Best Mississippi Auto Insurance in 2024 (Find the Top 10 Companies Here!)
Discover the best Mississippi auto insurance with Allstate, Progressive, and State Farm offering rates as low as $31 monthly. These companies provide comprehensive coverage, excellent customer service, and affordable SR-22 insurance options to meet Mississippi's requirements without compromising quality.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
UPDATED: Sep 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Full Coverage for Mississippi
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage for Mississippi
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage for Mississippi
A.M. Best Rating
Complaint Level
Pros & Cons
The best Mississippi auto insurance providers are Allstate, Progressive, and State Farm with monthly rates starting at $31. They excel in offering affordable rates, comprehensive coverage, and exceptional service, helping drivers save in a state with higher insurance costs due to a significant number of uninsured motorists.
Mississippi drivers typically pay about 6% more for Mississippi auto insurance than the national average.
Our Top 10 Company Picks: Best Mississippi Auto Insurance
Company Rank Multi-Vehicle Discount A.M. Best Best For Jump to Pros/Cons
#1 15% A+ Add-on Coverages Allstate
#2 15% A+ Online Convenience Progressive
#3 18% B Many Discounts State Farm
#4 20% A++ Military Savings USAA
#5 20% A++ Cheap Rates Geico
#6 18% A+ Usage Discount Nationwide
#7 20% A Student Savings American Family
#8 18% A Customizable Polices Liberty Mutual
#9 19% A Local Agents Farmers
#10 22% A++ Accident Forgiveness Travelers
There are various factors that affect auto insurance rates, including the fact that 30% of Mississippi drivers are uninsured.
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- Best Forest, Mississippi Auto Insurance in 2024
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Learn about Mississippi auto insurance, cheap companies, laws, and SR-22 requirements. Get started on comparing full coverage auto insurance rates by entering your ZIP code above.
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- Learn about Mississippi’s unique insurance needs and coverage requirements
- Save with the cheapest companies and understand SR-22 requirements
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#1 – Allstate: Top Overall Pick
Pros
- Financial Strength and Network: Allstate has a strong financial stability (A+ rated by A.M. Best) and a wide network of agents, providing personalized service.
- Extensive Discounts Available: As mentioned in our Allstate auto insurance review, they offer a variety of discounts to help customers save on premiums.
- Innovative Claim Handling: Allstate has advanced claim handling tools and a streamlined process for faster claims resolution.
Cons
- Higher Premiums: Allstate tends to have higher premiums compared to some competitors, which may not be as cost-effective for some drivers.
- Mixed Customer Satisfaction: Customer satisfaction ratings vary, with some customers reporting issues with claims processing and customer service.
#2 – Progressive: Best for Online Convenience
Pros
- Pricing and Value: Progressive offers competitive pricing, making it a good value for money option.
- Excellent Online Tools: Known for its advanced online tools and mobile app that make policy management and claims processing convenient.
- Variety of Discounts: As mentioned in our Progressive auto insurance review, they offer a wide range of discounts.
Cons
- Mixed Customer Reviews: Reviews on customer service are mixed, with some customers reporting delays and difficulties in claims handling.
- Potential Rate Increases: Rates can increase after the initial policy period, which may affect long-term affordability.
#3 – State Farm: Best for Many Discounts
Pros
- Excellent Customer Service: State Farm is well-regarded for its customer service, with a strong reputation for customer satisfaction.
- Wide Range of Coverage Options: Offers a comprehensive range of coverage options, including standard and specialized insurance products.
- Financial Stability: State Farm has strong financial stability (A++ rated by A.M. Best), ensuring reliability and security.
Cons
- Discount Offerings: While State Farm offers discounts, they may not be as extensive as some other insurers.
- Premiums: Rates can increase after an accident, affecting the affordability of coverage. Discover insights in our guide titled State Farm auto insurance review.
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#4 – USAA: Best for Military Savings
Pros
- Service for Military Members: USAA provides outstanding customer service tailored to military members and their families.
- Top Financial Ratings: USAA has top ratings for financial strength (A++ from A.M. Best), ensuring policyholders are well-protected.
- Member Benefits: USAA offers a range of benefits and discounts, check out our USAA auto insurance review to learn more details.
Cons
- Limited to Military Personnel: Only available to military personnel, veterans, and their families, limiting accessibility.
- Membership Restrictions: Membership eligibility requirements may restrict who can access USAA’s insurance products.
#5 – Geico: Best for Cheap Rates
Pros
- Affordable Premiums: Geico is known for offering competitive and affordable premiums.
- Online Tools: Geico’s user-friendly website and mobile app make managing policies and filing claims straightforward. Learn more in our Geico DriveEasy review.
- Variety of Coverage Options: Geico offers a wide range of coverage options to suit different customer needs.
Cons
- Inconsistent Customer Service: Customer service experiences can vary widely, with some customers reporting issues with responsiveness.
- Rate Increases: Rates may increase after filing claims, impacting long-term cost-effectiveness.
#6 – Nationwide: Best for Usage Discount
Pros
- Strong Customer Service: Nationwide auto insurance review highlights their solid reputation for customer service and claims handling.
- Diverse Coverage Options: Offers a wide variety of coverage options to meet different customer needs.
- Blue Ribbon Repair Network: Provides access to a network of trusted repair shops for expedited claims processing.
Cons
- Limited Availability by State: Availability varies by state, so not all products and services may be accessible everywhere.
- Not the Cheapest Option: While competitive, Nationwide may not always offer the lowest premiums in every market.
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#7 – American Family: Best for Student Savings
Pros
- Competitive Pricing: American Family offers competitive pricing and various discounts to help customers save on premiums.
- Discounts and Coverage: Provides unique discounts and coverage options tailored to customer needs.
- Local Agents: As mentioned in our American Family auto insurance review they have a network of local agents.
Cons
- Regional Availability Constraints: Availability may be limited to certain regions, affecting accessibility for some customers.
- Varied Premiums by Demographic: Premiums may vary based on demographic factors, potentially impacting affordability.
#8 – Liberty Mutual: Best for Customizable Polices
Pros
- Wide Coverage Options: Liberty Mutual offers a broad range of coverage options to customize insurance policies. Discover more about offerings in our complete Liberty Mutual auto insurance review.
- Good Customer Service: Generally receives positive feedback for customer service and claims handling.
- RightTrack Program: Offers a usage-based insurance program that can help lower premiums based on driving behavior.
Cons
- Variable Premiums: Premium rates can vary widely depending on the driver’s profile and location.
- Complex Claims Process: Claims processing can sometimes be complex, requiring thorough documentation and communication.
#9 – Farmers: Best for Local Agents
Pros
- Strong Financial Stability: Farmers has a strong financial stability (A rated by A.M. Best), ensuring reliability and security for policyholders.
- Comprehensive Coverage Options: Offers a wide array of coverage options to meet various insurance needs.
- Farmers Signal Program: Offers a usage-based insurance program that can help lower premiums based on driving behavior.
Cons
- Higher Premiums: Farmers tends to have higher premiums compared to some competitors.
- Limited Discount Opportunities: Discounts may not be as extensive as other insurers (Read more: Farmers Auto Insurance Discounts).
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#10 – Travelers: Best for Accident Forgiveness
Pros
- Competitive Pricing: Travelers offers competitive pricing and value for customers seeking affordable coverage.
- Strong Financial Backing: In our Travelers auto insurance review, they are rated highly for financial strength (A++ from A.M. Best).
- IntelliDrive Program: Offers a usage-based insurance program that can help lower premiums based on driving behavior.
Cons
- Inconsistent Customer Service: Customer service experiences may vary, with some customers reporting issues with responsiveness.
- Limited Regional Availability: Availability may be limited in certain regions, potentially restricting access for some customers.
Cheapest Mississippi Auto Insurance Companies
When you’re searching for cheap car insurance in Mississippi, looking at the average rates from different companies is a good place to start. You can explore Mississippi’s most affordable companies below for various factors that commonly affect insurance rates.
Mississippi Auto Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $55 $147
American Family $45 $120
Farmers $54 $145
Geico $27 $72
Liberty Mutual $45 $119
Nationwide $36 $96
Progressive $45 $120
State Farm $31 $82
Travelers $33 $88
USAA $20 $54
Keep in mind that your rates will be a unique combination of factors like your age, ZIP code, and driving record. Your actual quotes might be different than the average prices listed below.
Minimum Auto Insurance Rates in Mississippi
Most states require minimum auto insurance, and Mississippi is one of them. Mississippi requires the following coverage before you can drive or register a car:
- Bodily Injury Liability: $25,000 per person
- Bodily injury Liability: $50,000 per accident
- Property Damage Liability: $25,000
Liability auto insurance protects you from financial responsibility after an accident you cause. It pays for repairs to other cars and injuries to drivers. It also helps cover any legal troubles you might have.
Minimum state insurance is your cheapest coverage option. You can get an idea of how much you might pay for minimum insurance in Mississippi below.
USAA is often the cheapest insurance option for many people, but it has strict membership requirements. Only active or retired military members or their families qualify for coverage with USAA. If that doesn’t apply to you, Geico auto insurance might have the cheapest minimum insurance rates.
Although minimum insurance is your cheapest option, it comes with a financial risk. If your insurance limits are met, you’ll be responsible for any leftover damage. Most insurance representatives suggest buying more than the minimum liability insurance required by your state to ensure you never have to worry about running out of coverage.
Most insurance companies offer add-ons you can purchase to increase the value of your policy. Some of the most popular options for Mississippi drivers include the following:
- Gap Insurance or Loan/Lease Payoff
- Roadside Assistance Coverage
- Rental Car Reimbursement Coverage
- Classic Car Insurance
Although adding more coverage to your policy is never a bad idea, it does increase how much you’ll pay. Choosing the right insurance options is integral to keeping your rates affordable.
Mississippi Auto Insurance Rates by Age
Insurance companies look at a variety of factors to determine your rates. One of the most important factors is your age, with young, inexperienced drivers paying some of the highest rates for insurance.
Young drivers pay more for insurance because they are statistically more likely to drive recklessly and cause accidents. The good news is that your rates will start to decrease around 25, as long as you keep your driving record clean.
Full Coverage Auto Insurance Monthly Rates by Age, Gender, & Provider
Insurance Company | Age: 18 Female | Age: 18 Male | Age: 30 Female | Age: 30 Male | Age: 45 Female | Age: 45 Male | Age: 65 Female | Age: 65 Male |
---|---|---|---|---|---|---|---|---|
$328 | $378 | $99 | $103 | $88 | $86 | $86 | $84 | |
$448 | $519 | $168 | $176 | $162 | $160 | $158 | $157 | |
$305 | $414 | $116 | $137 | $115 | $117 | $113 | $114 | |
$405 | $461 | $125 | $128 | $114 | $111 | $111 | $109 | |
$597 | $629 | $160 | $167 | $139 | $139 | $136 | $136 | |
$220 | $254 | $90 | $87 | $80 | $80 | $78 | $78 | |
$626 | $626 | $174 | $200 | $171 | $174 | $167 | $170 | |
$283 | $318 | $87 | $91 | $78 | $77 | $77 | $76 | |
$303 | $387 | $124 | $136 | $113 | $115 | $111 | $112 | |
$591 | $662 | $131 | $136 | $112 | $105 | $109 | $103 | |
$253 | $292 | $77 | $79 | $72 | $71 | $71 | $69 | |
$229 | $284 | $94 | $103 | $86 | $86 | $84 | $84 | |
$407 | $469 | $126 | $133 | $115 | $113 | $112 | $109 | |
$530 | $740 | $99 | $108 | $98 | $99 | $96 | $97 | |
$180 | $203 | $74 | $79 | $59 | $59 | $58 | $57 | |
U.S. Average | $416 | $501 | $128 | $139 | $119 | $119 | $117 | $117 |
Young drivers should make sure to get a quote from the Mississippi Farm Bureau, as it offers the lowest average rates for people under 20. It’s especially important for young people to compare quotes from different companies because finding cheap auto insurance for new drivers can be difficult.
Mississippi Auto Insurance Rates by Credit Score
Another critical factor in your car insurance rates is your credit score. While some states have banned using credit scores, Mississippi is not one of them. Drivers in Mississippi pay much more when they have poor credit scores, with prices up to 155% higher than drivers with excellent scores.
Full Coverage Auto Insurance Monthly Rates by Provider & Credit Score
Insurance Company | Good Credit | Fair Credit | Bad Credit |
---|---|---|---|
$135 | $165 | $245 | |
$166 | $197 | $296 | |
$116 | $136 | $203 | |
$95 | $115 | $175 | |
$140 | $161 | $269 | |
$82 | $100 | $148 | |
$177 | $226 | $355 | |
$120 | $133 | $166 | |
$109 | $138 | $206 | |
$91 | $118 | $200 | |
$120 | $155 | $230 | |
$107 | $128 | $194 | |
U.S. Average | $123 | $148 | $226 |
As you can see, there is a lot of variation in rates for drivers with poor credit scores. For example, you might pay over $7,000 a year with State Farm, even though the company offers some of the lowest rates for full coverage.
While your rates will be high if you have a low credit score, you won’t necessarily be stuck with them forever. If you can improve your credit score, your rates will drop.
Mississippi Auto Insurance Rates After an Accident
Another key factor in your insurance rates is your risk level of future claims. One of the best ways to determine your riskiness is by looking at your driving record. Drivers with an at-fault accident on their record pay higher rates because they are statistically more likely to file future claims.
While rates are higher, some companies are more forgiving of car accidents than others.
Full Coverage Auto Insurance Monthly Rates: One Accident vs. Clean Record
Insurance Company | Clean Record | One Accident |
---|---|---|
$180 | $220 | |
$166 | $225 | |
$116 | $176 | |
$119 | $97 | |
$140 | $198 | |
$95 | $132 | |
$177 | $234 | |
$140 | $161 | |
$120 | $186 | |
$105 | $150 | |
$175 | $230 | |
$160 | $200 | |
U.S. Average | $123 | $172 |
Although State Farm has some of the highest rates for drivers with low credit scores, it offers some of the lowest after a car accident. This highlights why you should compare rates when shopping for car insurance since it’s not always obvious which companies offer the cheapest rates.
Although you’ll pay more for insurance after an accident, your rates will decrease after about three years if you avoid further incidents. However, you might have to find high-risk car insurance if you have multiple accidents.
Mississippi Auto Insurance Rates After a DUI
While many things affect car insurance quotes in Mississippi, being charged with a DUI has one of the biggest impacts on your car insurance rates.
While some companies might drop you after a DUI charge, most will still work with you after your first charge. However, your rates will be significantly higher.
DUI Full Coverage Auto Insurance Monthly Rates vs. Clean Record by Provider
Insurance Company | Clean Record | One DUI |
---|---|---|
$86 | $240 | |
$160 | $225 | |
$117 | $176 | |
$97 | $166 | |
$139 | $198 | |
$80 | $132 | |
$174 | $234 | |
$115 | $161 | |
$105 | $186 | |
$86 | $202 | |
$112 | $250 | |
$99 | $239 | |
U.S. Average | $119 | $173 |
Once again, State Farm offers the lowest average rates for Mississippians. However, rates can vary greatly by company, so comparing quotes after a DUI charge is essential.
Increased insurance rates aren’t the only consequence of a DUI in Mississippi. Mississippi state law imposes the following consequences for DUIs:
- First Offense: Up to 48 hours in jail, $1,000 fine, 90 days of license suspension, 90 days with an interlock device in your car, and mandatory attendance in an alcohol education course
- Second Offense: Up to one year in jail, $1,500 fine, one year of community service, 45 days of license suspension, vehicle impoundment, and alcohol education
- Third Offense: Up to five years in jail, $5,000 fine, forfeiture of your vehicle, three years with an interlock device, license suspension for two years, and alcohol education
- Fourth Offense: Up to 10 years in jail, $10,000 fine, and license suspension of five years
DUI charges come with serious financial and legal troubles, but your insurance rates won’t necessarily be high forever. DUIs typically affect your insurance rates for about seven years, even at the best auto insurance companies for drivers with a DUI.
Mississippi Auto Insurance Cost Comparison by City
So how much is car insurance in Mississippi? We get these questions a lot, now let’s explore the following table, which presents the precise cost of auto insurance in various cities across Mississippi, enabling a quick comparison to aid informed decision-making.
Mississippi Auto Insurance Cost by City
Carriere, MS | Meridian, MS |
Cleveland, MS | North Tunica, MS |
Forest, MS | Pascagoula, MS |
Jackson, MS | Southaven, MS |
Kiln, MS | West Point, MS |
By comparing these costs, individuals can make more informed decisions when selecting an insurance policy that best fits their needs and budget within their specific location in the state.
Mississippi Auto Insurance by City
From coastal towns like Biloxi to fascinating historical cities like Jackson, Mississippi is a diverse state with unique car insurance needs.
Some cities pay much more for insurance than others. Cities like Jackson tend to pay higher rates because of heavier traffic and increased thefts. Other towns like Gulfport pay more because of the risk of extreme weather.
No matter where you live in Mississippi, the state’s large number of uninsured drivers plays a significant role in higher insurance rates.
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Mississippi Auto Insurance Laws
Aside from the minimum insurance requirements, Mississippi has a few other laws drivers should be aware of.
First, all drivers must carry proof of insurance in their car. You can carry a physical copy of your insurance or a digital card on your phone. Drivers must show proof of insurance upon request from law enforcement.
Read more: How to Get Instant Auto Insurance Proof
If you can’t provide proof of insurance, you’ll face a fine of up to $1,000. Your license will also be suspended until you show the court that you meet the minimum insurance requirements.
I stress the importance of carrying proof of insurance at all times in Mississippi to avoid hefty fines, license suspension, and other severe consequences associated with driving without proper coverage.Jimmy McMillan LICENSED INSURANCE AGENT
People who are caught driving without insurance face severe consequences. These consequences include the following:
- $500 fine
- License suspension until insurance proof is provided, up to a year
- SR-22 requirement for three years
- License reinstatement fees
While there might be times when it’s tempting to drive without insurance, it’s not worth the risk. You can avoid these consequences by either buying car insurance for your car or finding an alternative means of transportation.
Mississippi SR-22 Auto Insurance
Many states — including Mississippi — require drivers to submit proof of car insurance after various incidents. Although you’ll often see SR-22 auto insurance advertised, it’s not a specific type of coverage. Instead, SR-22s are a form you submit to Mississippi’s Department of Public Safety (DPS) certifying that you meet the state’s minimum requirements.
Mississippi requires drivers to submit SR-22 forms after the following incidents:
- Driving without auto insurance
- DUI conviction
- Driving with a suspended license
- Accumulating too many points on your license
- Causing more than $500 in damage in an accident without having enough liability coverage
If the Mississippi DPS requires you to get SR-22 insurance, you’ll be responsible for submitting it for three years. However, you won’t have to submit the form yourself. Instead, the DPS requires SR-22 forms to be submitted by an insurance company.
These discounts help drivers reduce premiums while encouraging safer driving practices across the state.
How to get Cheap SR-22 Auto Insurance in Mississippi
Finding cheap SR-22 insurance in Mississippi is a bit more difficult than standard policies since rates are generally higher. There’s a possibility that your current insurance company might drop you as a customer, but most companies are willing to work with you.
To see if your current company will submit SR-22 forms, simply call an insurance representative.
If you need new insurance, you should let any company you get a quote from know that you’ll need SR-22 insurance. Your application might be rejected, but you probably won’t encounter difficulties.
What happens if you need to file SR-22 insurance but don’t have a car? If you find yourself in this situation, you should look at non-owner auto insurance.
If you borrow a car🚗, do you need insurance, or will the owner's policy have you covered? It depends. 🤔https://t.co/27f1xf1ARb has tips to save 💰on this already low-cost coverage. Find out more here👉: https://t.co/DGt7s32hBz pic.twitter.com/x92BAEbQuN
— AutoInsurance.org (@AutoInsurance) October 3, 2023
Non-owner insurance covers you when you drive someone else’s vehicle and is usually much cheaper than a standard policy. Read more about non-owner SR-22 auto insurance.
Find the Best Auto Insurance Coverage in MS Today
Although rates are sometimes higher than the national average, finding cheap insurance in Mississippi isn’t usually difficult. From USAA for military members to Geico, if you have a low credit score, you can find cheap car insurance in MS by comparing quotes from the best auto insurance companies.
When you’re ready to start your search for MS auto insurance, make sure to explore your options. Use our free quote comparison tool to start comparing Mississippi auto insurance quotes to find the best coverages and rates for your needs.
Protect your vehicle at the best prices by entering your ZIP code into our free auto insurance quote comparison tool below.
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Frequently Asked Questions
What factors should I consider when choosing auto insurance in Mississippi?
When choosing auto insurance in Mississippi, consider factors that affect auto insurance rates such as the level of coverage you need, customer service ratings, discounts offered, and the financial stability of the insurance company.
Which company has the cheapest car insurance in Mississippi?
The cheapest company for you depends on your unique factors. USAA often offers the cheapest Mississippi rates in but is only available for military members and their families. State Farm is an affordable option after an at-fault accident, while Geico might be the cheapest for drivers with low credit scores.
If you’re just looking for coverage to drive legally, enter your ZIP code below to compare cheap auto insurance quotes near you.
How much does car insurance cost in Mississippi?
Mississippi auto insurance costs around $110 monthly for full coverage, or $46 monthly for liability.
What are the requirements for auto insurance in Mississippi?
Mississippi drivers must carry a liability car insurance plan with 25/50/25 in coverage before driving on public roads or registering their cars.
Are there alternatives to traditional auto insurance in Mississippi?
Mississippi allows self-insurance or surety bonds, but they are more suitable for businesses or individuals with many vehicles. Most drivers opt for licensed insurer auto insurance policies in Mississippi. Read more about how to create a bond for auto insurance.
Can I use my out-of-state auto insurance policy in Mississippi?
Typically, you’ll need a Mississippi-compliant policy when moving to the state, though temporary coverage may apply during a transition period.
What should I do if I’m involved in a car accident in Mississippi?
After ensuring safety, exchange your Mississippi insurance info, gather evidence, and report the accident to your insurance company promptly.
Does Mississippi have personal injury protection?
While personal injury protection (PIP) auto insurance is not required in Mississippi, drivers can purchase it as an add-on coverage.
Is Mississippi a no-fault state?
Mississippi is an at-fault state for auto accidents.
What is SR-22 insurance and when is it required in Mississippi?
SR-22 insurance is a certificate of financial responsibility that some drivers in Mississippi are required to file with the state. It is typically required after certain traffic violations or license suspensions. Uncover affordable auto insurance rates from the top providers by entering your ZIP code below.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.