Car insurance rates are determined, in part, by location (although there are plenty of ways to counteract this factor, like keeping a clean driving record). Here are a few other trends that could affect what you pay for car insurance:
The most uninsured drivers in the nation
A 2011 report from the Insurance Research Council estimated that 28 percent of Mississippi drivers were uninsured in 2009 — 2 percent more than any other state.
Uninsured motorist bodily injury coverage is a mouthful, but it can help protect you from uninsured drivers. This coverage allows you to file a claim with your own insurer if you're in an accident with an at-fault driver who doesn't have any (or enough) liability coverage to cover your medical expenses.
Uninsured motorist property damage can help pay to repair your damaged car.
Mississippians depend greatly on their cars for commuting. A 2010 study by the Bureau of Transportation Statistics found that 0.4 percent of the working population used public transportation to commute (tied for 2nd-fewest in the nation).
Tropical storms in Mississippi
Mississippi lies in the danger zone for heavy hurricanes, which can (of course) cause significant property damage to cars. How destructive can these storms be? Since 1950, there have been 12 hurricanes in the U.S. that have caused more than $1 billion in total damage. And 4 of them made landfall in Mississippi.