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 third-highest rate of uninsured drivers in the nation
A report from the Insurance Research Council estimated that about 23 percent of Mississippi drivers were uninsured in 2012 — almost double the national average of 12.6 percent.
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 or replace your damaged car.
Mississippians depend greatly on their cars for commuting. A 2011 U.S. Census Bureau survey found that 0.4 percent of the working population used public transportation to commute (tied for the least 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. This increased risk of damage and financial loss can affect car insurance rates for residents of the Magnolia State. Luckily, comprehensive coverage can help protect you against repair and replacement bills from coming out of your wallet.