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An auto policy with Sherrye LaCour Insurance is personalized help from your local, independent agency. We make it easy to get a quote!
What Do You Get with Auto Insurance?
Car insurance gives you financial protection against injuries and/or damage that result from traffic collisions. It also offers liability protection and guards against theft and vehicle damage—not related to collisions.
Being an insured driver means you can get help paying auto repairs, medical bills, legal defense costs, and more, if you get in a covered accident.
What's the Average Cost of Car Insurance?
Auto insurance prices are determined by many factors, including the insured person’s age, gender, credit, marital status, driving history, limits of liability and deductibles, and state requirements.
What to Know About Deductibles and Limits
When you’re shopping for car insurance, it’s essential to know what deductibles and limits mean.
If you’re in a covered accident, your deductible will be the money you pay on your own before your insurance policy pays.
High deductibles will cause you to pay more out of pocket, should your vehicle get damaged or stolen. But high deductibles can also lower your auto insurance rates.
Lower deductibles mean you pay less to repair or replace your car, but your premiums may be higher. When one is low, the other will be high.
You’ll pay a deductible whenever you file a claim for damage to your vehicle. Auto policies will vary. So, be sure to read through yours to understand which coverages include deductibles.
Most of the coverage provided to you has limits. In other words, it covers you up to a certain amount or “limit.”
Consider this scenario. You cause an accident that injures another driver. You owe $54,000 for the driver’s medical expenses. Your preferred limit for bodily injury liability coverage is $50,000. This would mean your insurance pays that $50,000, and you’re responsible for $4,000.
You can choose a higher limit if you wish. With higher limits, you tend to pay more for coverage now, but it could save you money in the future if you get in an accident.
If you have more questions about what deductibles and limits mean for your auto policy, contact Sherrye LaCour Insurance.
How Can Sherrye LaCour Insurance Help?
Auto insurance is not a one-size-fits-all approach. There are different types of coverages to meet different needs, and Sherrye LaCour Insurance can help you put a customized plan together.
Here’s how we can help you:
We advise you on important coverage decisions and answer any questions.
We find available discounts, including bundling your home and auto policies.
We adjust your coverage at your request—as your circumstances change.
We guide you through the auto claims process.
Why Purchase Auto Insurance?
Consider the following:
✔ It’s the law
✔ Your car is a valuable asset
✔ The cost of a major accident can be overwhelming
✔ Get protection from Mother Nature
✔ Gain peace of mind
What’s the Average Cost of Car Insurance in Mississippi?
Auto insurance prices are determined by many factors, including the insured person’s age, gender, credit, marital status, driving history, and state.
In Mississippi, the average car insurance rate is $1,800 per year, or $150 per month.
See How Much We Can Save You on Auto Insurance
Get an auto insurance quote from Sherrye LaCour Insurance, and you could save hundreds of dollars per year. It only takes a couple of minutes to learn how much we can help you save. So don’t wait! Call (601) 286-8230 or fill out or form below.