If you don’t use your car for work, an individual auto insurance policy can adequately protect you on the road. However, if you have your own business with employees that use a company car to make deliveries, transport people, or deliver supplies, you should consider a commercial auto insurance policy.
Still not sure if you need individual or business coverage for your vehicles? At Hawsey Insurance, we understand that it’s confusing to choose the insurance that’s right for you. Commercial insurance is much more expensive than individual policies — but it also provides higher coverage limits and can protect your entire commercial fleet, if needed. Let us help you find the right auto insurance in Mississippi.
Here are the main considerations when it comes to choosing between personal versus business auto insurance:
Personal auto insurance policies cover the Mississippi state minimums of $25,000 per person injured in bodily injury, $25,000 in property damage, and $50,000 maximum bodily injury. Commercial auto insurance has higher liability insurance limits, covers unusual vehicles, and covers business use of a vehicle. However, if you work a 9 to 5 job and only use your vehicle to commute and cover personal needs, personal auto insurance is the way to go.
Schedule an appointment online to discuss your personal or commercial needs for auto insurance in Mississippi. We have three convenient locations in Madison, Jackson, or Southaven. Feel free to request a free quote online if that works better for you.