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Nettleton, MS 38858

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What are the auto insurance requirements in Mississippi?

Driving in Mississippi demands carrying your vehicle registration, driver’s license, and a valid insurance card at all times. The state offers guidelines for minimum auto insurance coverage. At Sprout Insurance in Nettleton, MS, we ensure your compliance with these laws while diligently safeguarding your interests.

Basic Insurance Requirements in Mississippi

Mississippi’s minimum auto insurance requirement is $25,000/$50,000/$25,000. This means that in an accident where you’re at fault, the first injured person gets $25,000, a total of $50,000 is allocated for all injuries, and an additional $25,000 is available for property damage. While this may be satisfactory if you have limited assets, anyone with substantial assets must contemplate a more comprehensive policy, especially considering the potential costs associated with severe accidents.

Additional Coverage for Leased or Financed Vehicles

If you’re leasing or financing a vehicle, merely carrying liability insurance won’t suffice. You need to protect your vehicle as well, necessitating additional insurance. The lender or leaseholder generally requires collision and comprehensive coverage.

Collision and Comprehensive Coverage

Collision coverage safeguards your vehicle in the event of an accident with another vehicle, a stationary object, or even hit-and-run situations. On the other hand, comprehensive coverage caters to incidents beyond your control, such as weather-related damage, theft, vandalism, or collision with large wildlife.

Contact Sprout Insurance for Your Auto Insurance Needs

At Sprout Insurance in Nettleton, MS, we prioritize your needs and ensure your compliance with auto insurance requirements. Contact our office today for all your auto insurance concerns, and let us chart a well-protected path ahead for you.

Spring is a Great Time to Review Your Auto Insurance Policy

Your auto insurance is important, and it protects you, your passengers, and others on the road. The spring months are a great opportunity to have a yearly review of your insurance and make sure you’ve got the type and level of coverage you really want. If you’re in the Nettleton, MS area, Sprout Insurance is here to help you with your auto insurance policy, so you can have plenty of protection, along with peace of mind.

Why would you want to review your policy?

Anytime you make changes to vehicles, drivers, addresses, or anything else that could affect your policy, you should let your insurance company know. If you forgot, or if a change wasn’t made correctly, a review will help catch those issues and reduce any chance of a problem with your policy or coverage. Our agents can give you information and advice and look over your policy to see if there are changes to be made.

A lot of people get an auto policy and then just let it renew for years. They don’t make any changes to it or review it, and that can mean they don’t have the right coverage. But you don’t have to let that happen to you. When you work with a dedicated, professional insurance agent, you can get a quality review of your auto policy, allowing you to focus on the future with security and confidence.

Give Us A Call

Reach out to us at Sprout Insurance today if you’re in the Nettleton, MS area and want a review of your auto insurance policy. We can look over the coverage you have and make suggestions so you have all the information you need. Then you can decide if changes would be the right choice for you and protect your car more fully.

5 Common Mistakes People Make When Buying Auto Insurance

It’s easy to see why people would make mistakes when buying auto insurance – there are so many options and variables to consider. However, if you’re not careful, these mistakes can end up costing you a lot of money. Sprout Insurance in Nettleton, MS offers this guide in navigating this important coverage. 

Here are five of the most common mistakes people make when buying auto insurance:

1. Not Understanding the Coverages

Unfortunately, most people only focus on liability insurance when they’re shopping for auto insurance. Liability insurance is important, but it’s only a small part of the coverage you need. Make sure you understand all the coverages available to you and choose the ones that are right for your needs.

2. Buying the Minimum Coverage

Another common mistake people make is buying the minimum amount of coverage required by their state. While this may save you some money on your premium, it’s not always the best idea.

3. Not Shopping Around

When it comes to auto insurance, there is no one-size-fits-all policy. Every company has different rates and coverages, so it’s important to shop around and compare policies before you purchase. Don’t just go with the first company you come across – get quotes from several companies and compare them side by side.

4. Not Reading the Fine Print

Once you’ve found a policy you like, it’s important to read the fine print before you purchase. Make sure you understand all of the coverages and exclusions in your policy. If there’s something you’re not clear on, don’t hesitate to ask questions. The last thing you want is to be surprised by something in your policy after it’s too late.

5. Not Reviewing Your Policy Regularly

Your auto insurance needs can change over time, so it’s important to review your policy regularly. If you’ve purchased a new car, you’ll need to ensure your coverage limits are high enough to protect it.

Get Auto Insurance in Nettleton, MS

When shopping for auto insurance, it’s important to avoid making these common mistakes. Sprout Insurance can help you find the right policy for your needs. Contact us today for a free quote.