In most states in the US, drivers are required to carry minimum state liability insurance coverage to protect themselves and others on the road. Mississippi adheres to this rule as well. Local drivers here must carry liability insurance or comprehensive auto insurance to cover expenses related to non-fault and at-fault car accidents.

Drivers caught on the roads without adequate insurance risk hefty fines and even jail time, depending on the severity and frequency of their insurance violations.

Contact the professionals at Storey Insurance to better understand your insurance options in Senatobia, MS.

Senatobia, MS Auto Insurance Options

Auto insurance options in Senatobia range from basic, liability-only insurance policies to comprehensive coverage policies that cover an array of common and uncommon perils.

Driving an automobile in Senatobia, MS, without auto insurance is not an option.

What Are the Minimum Insurance Requirements for MS Drivers?

The minimum insurance requirements include liability insurance. This coverage protects other drivers in the event of an accident where you’re at fault. Liability-only policies shield drivers from having to pay out-of-pocket costs for medical claims, personal injury claims, and other legal liability claims that may result from an accident. 

Comprehensive Insurance Coverage Offers a Total Solution

Comprehensive insurance is a nice fit for local drivers looking for broader auto insurance coverage that also applies to them and their passengers and covers repair or replacement of their current vehicle. Comprehensive insurance covers various accident-related perils and non-accident-related perils like natural disasters, theft, and vandalism, which can help policyholders reduce out-of-pocket costs.

For a more personalized approach, discuss with a licensed insurance agent at Storey Insurance in Senatobia to understand your best insurance coverage options and get a customized auto insurance quote today!

Your auto insurance policy serves as a shield against financial loss, provided through different kinds of protection. Some of these protection types are legally required, while others are optional. Your specific coverage will rely on what you opt for when drawing up your policy. If you want advice on choosing auto insurance in Senatobia, MS, Storey Insurance is here to guide you.

Bodily Injury Liability

This coverage bears the cost when the other party suffers an injury in an accident involving you. If the accident is determined to be your fault, the justice system will hold you liable for all medical bills and other resulting costs. Without bodily injury liability, the high cost of medical bills might lead to bankruptcy.

Property Damage Liability

Another key liability coverage comes into play for any damage caused to another party’s property involving your vehicle. This typically covers the cost of repairing a vehicle, but it can also extend to the damage inflicted on structures, plants, or other properties by your vehicle. This is an essential coverage that every driver must have for protection against accidents.

Collision Coverage

Although this coverage is not required, it is crucial as it covers damages to your vehicle after an accident that was your fault. This safeguards you and ensures you have a functional vehicle even after an accident.

Acquire Auto Insurance

In Mississippi, every driver is required to have auto insurance. To learn more about what it offers and how to get one, call Storey Insurance in Senatobia, MS.

Motorists need to focus on a few key priorities when choosing an auto insurance solution in Senatobia, MS. At Storey Insurance, we are an insurance provider offering auto insurance coverage.

Here are four priorities when you buy auto insurance. 

Knowing exactly what’s covered under your policy

Vehicle owners need to understand what their policy covers. Unfortunately, motorists sometimes don’t understand the limitations of the auto insurance policy they purchase.

Read the fine print of your policy and make sure that your policy includes all the coverage types you want and need.

Understanding the process for filing a claim

Do your research about the claims process when you buy auto insurance. If you know exactly what to do when filing a claim, you will enjoy less stress and confusion when you experience an automobile accident. 

Evaluating the customer service of insurance providers

Customer service is an important feature to consider when evaluating insurance providers. You want to purchase insurance from an insurance company with customer service representatives who can answer all your questions and meet your needs when you have an issue. 

Being aware of helpful auto insurance policy features

You should be aware of plenty of great auto insurance policy features. These include comprehensive coverage, rental vehicle coverage, and roadside assistance.

You want to ensure that the insurance policy you choose includes all the helpful features you’ll want if you experience an accident. That’s why you need to be aware of available auto insurance features. 

Call us at Storey Insurance for a policy quote today! We provide insurance solutions to consumers in Senatobia, MS. 

Owning a car is common for people in the Senatobia, MS area. When you are a car owner here, you will have a convenient way to get around the community and enjoy all that it has to offer. If you buy a car in this region, you need to ensure that you get the right insurance for it as well. There will always be various reasons to get a full auto plan in this area. 

Protect Your Investment

A fundamental reason to always carry auto coverage when you are in this state is so you can protect your investment. If you are going to buy a car, you will be spending a lot of money on an asset that you will want to enjoy for a long time. A full auto plan can help with this, as it will provide support if your car is damaged or stolen. 

Liability Risk Mitigation

An auto insurance plan will also help you to reduce your liability risks. If you are using a car, there will be a chance you could cause an accident when on the road. If this occurs, you will need to cover the damages necessary to remediate. Fortunately, you will have protection through an auto plan, as it will include a provision for liability insurance coverage. 

When you buy a car in the Senatobia, MS area, you will want to know that you are adequately insured. The right coverage will protect your finances and offer peace of mind. If you want to buy a car, you should call our team with Storey Insurance. If you contact our team at Storey Insurance, you will know you get the support needed to build an ideal plan. 

Anyone that resides in the Senatobia, MS area will want to know that they have proper insurance. For anyone that owns a car, this includes having a proper auto insurance plan. When you select an auto insurance policy in this state, there are various pieces of information you need to know to ensure you build a proper policy. 

State Requirements

One of the factors that you need to know when building an auto insurance plan in Mississippi is the state requirements. Like in other states, those driving a car in Mississippi are obligated to carry liability coverage. In this state, you need to have 25/50/25 coverage. This means you need to have bodily injury coverage of $25,000 per injured person with a $50,000 per incident cap. You also need to have at least $25,000 in property damage coverage. In many cases, having more insurance is beneficial. 

Lender Requirements

It is also important to know what your lender’s requirements are. If you lease a vehicle or have taken out a loan, the lender will require you to carry insurance. This usually includes having a full comprehensive and collision plan with a certain deductible. Understanding these requirements and building a policy that meets them is a good idea. 

When looking for an auto insurance plan in or around Senatobia, MS, you will want to be assured that you are building the right plan for your situation. A great way to do this is by calling our team with Storey Insurance. At Storey Insurance, we understand the complexities of selecting a plan. We can offer you any guidance you need to understand your options and build the correct type of plan. 

Most people in the Senatobia, MS area will want to own a car to ensure they can get around the area. While owning a car is generally a good idea, it does come with some responsibilities. One responsibility to take seriously is the need to get proper auto insurance. All drivers in this part of the state need this type of coverage for various reasons.

Meet Legal Standards

A reason that all drivers in this state need to have an auto insurance plan is so they can meet any legal standards. When driving a car, an auto insurance plan is required as the state obligates all motorists to at least carry a minimum liability insurance plan. With this coverage, you can stay in good standing with such requirements. 

Financial Protection

An auto insurance plan is also a good option as it will provide financial protection. A lot of risks come with owning and driving a car. If you want to cover yourself and your assets, getting auto insurance would be a good idea. This type of coverage will provide the support you need to replace or repair your car in some situations and protect against liability risks. 

When you want to purchase or lease a car in the Senatobia, MS area, you will want to know that you are taking proper precautions and obtaining the necessary insurance. For those looking for coverage here, starting by calling our team with Storey Insurance would be helpful. Our team of professionals with Storey Insurance knows the value of this coverage and can offer any help you need to build a new plan.

Most of the population knows that auto insurance is super important to have, and most states require it. Although most states have a minimum liability requirement, it might not be enough to cover a claim if you are in an accident. What happens if you do not have enough auto insurance? Storey Insurance is here to assist Senatobia, MS drivers with all their auto coverage concerns. 

Consequences of inadequate auto insurance

Car accidents are awful enough without worrying about how you will pay for one. This is one of the reasons liability insurance is mandatory throughout the United States. The damage from a car accident can cost several thousand dollars, not to mention the added bodily injury liability costs. If you only have the bare minimum amount of insurance, you would be responsible for several thousand dollars worth of damage. Those expenses could affect your whole way of living.

If you don’t have enough insurance or money to pay for it, the other party might file a lawsuit against you. Depending on the outcome, you could lose your license, and they could garnish your salary, put a lien on your home, or do whatever they needed to resolve the claim.

How to cut costs

Sometimes, people are concerned about the cost of their insurance, so they try to cut out the most expensive parts. Unfortunately, the most expensive part of auto insurance is liability coverage. If you want to cut down on the premium, you can raise your deductible or cut out some of the other coverage options.

How can you protect yourself?

The best thing you can do to protect yourself from these potential financial downfalls is to get an adequate amount of liability insurance. With the proper amount of insurance, you can save your wallet in case of a costly accident. Stop by or contact us at Storey Insurance in Senatobia, MS for your auto insurance needs.