Best Cheap Car Insurance Quotes for Teachers in Mississippi

For teachers and educators, one of the more important factors used to establish the annual cost of car insurance is where your residence is in Mississippi. Cities with larger populations like Jackson, Gulfport, and Clinton will most likely pay more, whereas areas with less traffic congestion and claims have the benefit of the best cheap car insurance for teachers in Mississippi.

The information below displays the most expensive areas in Mississippi for teachers in which to buy car insurance.

Information shown are approximated as specific location information can influence premiums substantially.

The type of vehicle needing coverage is one of the primary factors when shopping for the best cheap car insurance for teachers in Mississippi. Vehicles with more horsepower, poor passenger safety features, or an increased likelihood of liability claims will cost much more to insure than safer models. The next list features insurance prices for the most economical automobiles to insure.

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Mississippi minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Prices do not factor in specific zip code location which can change premium rates considerably.

Looking at the numbers, makes and models like the Ford Escape, Toyota Prius, Honda CR-V, Honda Accord, and Chevrolet Malibu are most likely to be a few of the cheapest vehicles to insure for teachers and educators.

Illustration showing the impact of accidents and violations

A great way to find good auto insurance prices in Mississippi for teachers and educators is to drive cautiously and not get tickets or have accidents. The information below shows how traffic citations and at-fault accidents can impact insurance costs for different age categories. The rates are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 2297,2471,4105],[‘Age 30’, 1215,1391,3025],[‘Age 40’, 1183,1355,2991],[‘Age 50’, 1083,1255,2891],[‘Age 60’, 1051,1227,2859],[‘Age 70’, 1305,1479,3115]]);var options = {title: ‘Impact of Tickets and Accidents on Mississippi Insurance Prices’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Mississippi’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous example, the average cost of a car insurance policy in Mississippi per year with no violations or accidents is $1,356. Get written up for one speeding ticket and the average cost increases to $1,530, an increase of $174 each year. Next add two accidents along with the one speeding ticket and the annual cost of auto insurance for teachers increases to an average of $3,164. That’s an increase of $1,809, or $151 per month, just for not driving attentively!

The information below illustrates how your choice of deductibles can affect insurance prices when getting quotes for cheap insurance for teachers. The rates are based on a single female driver, full physical damage coverage, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3469,3185,2877,2585],[‘Age 30’, 2385,2179,1947,1727],[‘Age 40’, 2211,2025,1817,1617],[‘Age 50’, 1933,1773,1589,1415],[‘Age 60’, 1871,1713,1537,1369],[‘Age 70’, 2191,2009,1811,1627]]);var options = {title: ‘Impact of Higher Deductibles on Auto Insurance Rates in Mississippi’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

A 40-year-old driver could cut expenses by $344 a year by switching from a $100 deductible up to a $500 deductible, or save $518 by selecting a $1,000 deductible. Even younger insureds, such as the Age 20 example, could reduce their rates up to $884 or more just by choosing larger deductibles. When choosing a higher deductible, it will be necessary to have enough funds in savings to satisfy the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.