Car Insurance in Olive Branch, MS
Affordable and reliable car insurance in Olive Branch, MS, lets you drive with confidence.
Olive Branch, only about 23 miles from Nashville, TN, is one of the fastest-growing areas of Mississippi. The population is at about 47,000 and increasing fast. which underscores the need for auto insurance you can count on.
About 23 people in Olive Branch are involved in fatal car accidents per year. Driving safely and getting good car insurance can help protect you and others. Fortunately, you should still be covered by your insurer when you cross into Tennessee or other states (traveling to other countries can be different, so always check before driving your car internationally). Using VIU by HUB quotes is an excellent way to compare rates from multiple providers and streamline your search for insurance.
Olive Branch has public transportation, but routes and hours are limited. For these reasons and others, many residents prefer to drive. In fact, the average household has two cars, and the typical commute time is 25.1 minutes.
The state of Mississippi requires 25/50/25 liability insurance for injuries or property damage you cause in an auto accident. Because it is liability insurance, it would not cover your own injuries and damages to your own property in an accident you caused.
The 25/50/25 breaks down as $25,000 in bodily injury coverage per person, limited to a single accident, $50,000 per accident for bodily injury and $25,000 for property damage per accident.
You have several options with car insurance in Olive Branch, MS. Many drivers up the required 25/50/25 coverage amounts to better protect their assets in case of a lawsuit. For example, they might get 50/100/50 liability coverage or even 100/300/100.
In addition, motorists often opt to get uninsured/underinsured motorist coverage. It applies if you are not at fault in an accident with someone who lacks enough insurance to pay for your injuries or property damage. Your coverage will pay up to the limits of your policy.
If you're financing your car, your lender likely needs you to have comprehensive and collision coverage. It can be wise to retain these types of coverage even after you pay off your car, especially if you value peace of mind or have an expensive vehicle.
Comprehensive insurance covers situations such as theft, vandalism, fire and contact with an animal such as a deer. Olive Branch residents have about a one in 58 chance of being a victim of a property crime, which is close to the state average. Collision insurance covers collisions with other vehicles and objects such as trees and fences. Both types of insurance can help financially with car repairs or replacements.
You can also get personal injury protection insurance. It can help with your lost wages and medical expenses regardless of who is responsible for an accident. It applies after your medical coverage.
The cost of auto insurance in Olive Branch is about $110 per month or $1,324 a year. Many factors can cause an individual's rates to be higher or lower, though. For example, a person's age, gender, driving history and exact address influence insurance rates, although each insurer weighs risk differently. That is a major reason it is important to compare quotes from multiple insurers and potentially save a lot of money. Use VIU by HUB to streamline these rate comparisons for car insurance in Olive Branch, MS.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
