It is vital to look for the best cheap car insurance Meridian MS if you have a vehicle. But it’s a big responsibility, and you must take on so much. For instance, you need to search about the affordable car insurance quotes Meridian MS. So, if you are buying a car in Meridian, then remember that insurance is a vital part. Few people think that insurance is a waste of time brings so much hassle. But these beliefs are based on falsehood, and it helps people a lot if you have the correct information. For instance, while selecting the best car insurance companies in Meridian MS, remember that service is trustworthy. Apart from this, here are some other essential tips that you should consider:
- The customer’s responsibility is to tell correct information about the vehicle, driving habits, and records.
- Apart from this, always select the plan that goes best with your budget.
- It’s necessary to use the online means to check the best auto insurance companies Meridian MS. However, after checking different companies, compare their prices and grab the best deal.
Meridian MS is populated, and insurance companies will use your information to decide the premium rates. For instance, if you drive on the highway or in populated areas, you must pay more. Apart from this, the ZIP code, the plan you choose, and the vehicle’s model decide the amount you will pay. Above all, the area of the Meridian MS where you are living helps to determine the rate.
The Best Car Insurance Companies In Meridian MS
Earlier, we discussed that rates of cheap auto insurance Meridian MS are based on different factors. Here are the following key factors that play an essential role to decide the rate:
So, while deciding the plans, ensure that you are telling these details right. In this way, you can grab the right deals, but don’t forget to compare the rates of different companies. By doing this, you will get peace of mind along with financial protection. It’s not inexpensive to buy the insurance, but here are some best cheap auto insurance companies Meridian MS that can give you good deals. So, here are the average rates for complete coverage insurance plans:
|Mississippi Farm Bureau
If you go on the road of full coverage insurance, the premium could be heavy if you have traffic violations and accidents history. So, in this case, the rate could go up by a few hundred dollars. So, along with finding the best auto insurance companies Meridian MS, look for the coverage and discount options. Many other factors are worth paying attention to and need your attention.
Meridian Auto Insurance Requirements
If you are the one who always remains in search of affordable car insurance quotes from Meridian MS, then be aware of the rules. By visiting different companies, you will know that rate varies based on your personal history. In Meridian, MS, insurance is mandatory by law, and you need to show proof in paper or electronic form. These are the minimum amount of insurance coverages that are required by law:
- The bodily or death coverage insurance is around $25,000.
- On the other hand, liability/full bodily/death insurance coverage is around $50,000.
- The amount for property damage in one accident is around $25,000.
In Meridian MS, people can show bonds, cash, or security deposits equal to the insurance coverage amount. The main aim is to establish financial stability and responsibility. But people prefer liability coverage to pay the medical bills, property damages, etc., as protection. If your insurance doesn’t cover the damage, then personal assets will be at stake in case of immense damage. So, it’s preferred to buy full coverage to keep yourself on the safe side.
Note: All rates apply if the damage happens due to the owner’s or driver’s fault of the insured vehicle.
What Is The Average Cost Of Vehicle Insurance In Meridian MS?
While living in Meridian, MS, you are legally required to show an insurance certificate covering the minimum limit. But if the vehicle is under lease or any agreement, you will have to buy additional coverage required by law. So, if we talk about average affordable car insurance quotes Meridian MS, it is around $1,341. But these rates could vary based on your personal history, driving record, credit score, age, etc. Here we attach the details about all the best auto car insurance companies Meridian MS in different conditions. So, let’s start with the:
Cheap Car Insurance Meridian MS For Married Couple
According to the surveys, married couples pay more amount in the account of insurance premiums. This fact is that a married couple has more than one driver who drives the car. However, sometimes the teens also drive the vehicle, and married people have more than one vehicle. So, if you are married, then here are cheap auto insurance Meridian MS quotes:
|Married couple rates
|Mississippi Farm Bureau
|State Farm Insurance Company
These are the average rates in Meridian, MS, if you have two insured vehicles in the policy. But before finalizing the deal, don’t forget to compare rates.
Meridian MS Cheap Car Insurance For Young Drivers
Young people have a history of rash driving and accidents. So, due to this, the insurance premium for young drivers is way high. Thus, drivers in their late 20’s should get ready to pay more premiums than most adults. But you can control these prices by showing good road performance over the years. Here are the average affordable car insurance quotes Meridian MS:
|Mississippi Farm Bureau
The above rates are based on estimation and calculated as per the driving history of other drivers. But there are tips and tricks that young drivers can use to lower the premium. You can follow this writing to know all those tricks in detail.
Cheap Car Insurance Meridian MS For Drivers With A Good Record
Suppose you are the one who has a good driving record. In that case, you are indeed eligible for cheap car insurance Meridian MS. By the term good record, we mean a history without speeding tickets, accidents, and other violations. Moreover, if you have a safe driving record and certificates, you are also eligible for discounts. So, here are the average affordable car insurance quotes Meridian MS.
A good record indeed lowers the rates, and you can even seek a forgiveness discount in case of minor accidents or incidents. Apart from this, after buying the full coverage insurance, you can even purchase add-ons like roadside assistance, rideshare, etc.
Cheap Minimum Coverage For Young Drivers In Meridian MS
If you are young but not interested in buying full coverage insurance, go for the minimum coverage. So, if you want to go on this road, then here are following best auto insurance companies Meridian MS.
|Mississippi Farm Bureau
Above all, you can claim discounts if you are a young student or have taken any defensive driving course. Moreover, young drivers are eligible if they have taken multi-insurance policies from the same company. So, the premium might be high, but still, there are many ways for young drivers to save money.
Best Auto Insurance Companies For Multiple Cars Meridian MS
If you own multiple vehicles, it’s better to buy the insurance plan from the same company. In this way, you can save money. Here are the average savings for best car insurance companies Meridian MS:
|Number of Cars
But don’t forget to search before finalizing the deal. After figuring out the deal, always ask for the discounts for which you are eligible.
Cheap Auto Insurance Quotes In Meridian MS By Age
Earlier, we have discussed that in Meridian, MS, young drivers pay more insurance premiums than older drivers. However, there are many reasons behind this fact. According to the stats, middle-aged drivers pay the least amount in the account of insurance in Meridian, MS. Thus, here are the average rates if the company is considering you safe enough:
|Age of Driver
In Meridian, MS, teenage drivers face the issue of the most expensive plans. But you can balance the rates by applying different discounts. But when the driver hit the late 20, rates drop because these drivers have fewer accidents.
Cheap Car Insurance Meridian MS After A Car Accident
If you get into a car accident, then it is evident that your premium will go up. So, if you have a history like this, then the insurance company perceives you will continue this behavior in the future. But before buying any insurance plan, always compare the rates and grab the best deal. Here are the best car insurance companies Meridian MS deals:
|Mississippi Farm Bureau
But there is another point that insurance companies see that whether you are fully or partially involved in an accident or not. So, you can use this information as proof if you want to get a discount. On the other hand, you can switch to an insurance provider if you get into an accident.
Cheap Auto Insurance Meridian MS For Speeding Ticket
If you have more speeding tickets in your record, then it shows you are a careless driver. In Meridian, MS, companies don’t offer the best rates if you get into an accident, but you can surely grab good deals in case of speeding tickets. For instance, if you are going above the speed range, you will get a speeding ticket. But sometimes, you can get a ticket if you are not following the minimum speed limit. Here are the best deals if you have a record of getting more speeding tickets.
Hence, it proves that indulging in speeding tickets, DUI, or accidents enhances the insurance premium. So, if you want to get excellent and affordable car insurance quotes, Meridian MS then compares rates before the locking deal.
Cheap Auto Insurance Meridian MS With Lousy Credit Score
By the term credit score, we mean the RAPAYING ABILITY of any person. However, if the score is lower than it means you don’t have a history of paying off your debts on time. So, it is one of the main things that help to decide insurance rates for specific terms. There are many best car insurance companies in Meridian, MS, that are offering reasonable rates. The average affordable car insurance quote for Meridian MS is $1,189/year.
On the other hand, a person with a bad credit score will pay $1,761 for one year. With a bad score, we mean if the numbers go up to 667. Still, with these conditions following companies are offering the best rates:
|Mississippi Farm Bureau
But if you improve your credit score, then it can surely cut down the charges. So, it’s always better to keep financial matters sorted to enjoy exclusive discounts. If we talk about average drivers in Meridian, MS, they usually have a high credit score. Before buying the plan, re-assess your credit score and grab the best deals.
Cheap Auto Insurance Meridian MS For Minimum Coverage
We earlier discussed there are two types of plans complete and minimum range. But if you get the minimum coverage plan, it doesn’t cover all bills and damages if you get into an accident. Still, it helps you to some extent, and don’t forget to check the rates of different providers before locking the deal.
|Mississippi Farm Bureau
You can save money by choosing a reputed dealer. But there are plenty of other factors that help to decide the rates.
Cheap Auto Insurance Companies Meridian MS For Seniors
Senior citizens are those ages 60 or above. However, in Meridian, MS, senior citizens pay more than adults. The rates are high because seniors may deal with visual impairment or other medical conditions. Thus, in this situation, you will have to pay more. Still, many loopholes can help you to find discounted deals. Here is the average rate list of best car insurance companies Meridian MS:
|Mississippi Farm Bureau
So, if you are an elderly citizen and want to get a discount, then attach a fitness report of your doctor along with documents. Moreover, if you have a safe driving course, there are more chances of finding good deals.
Cheap Auto Insurance Meridian MS After DUI
Insurance companies use the term DUI when someone drives under the influence of something. The things that take you under the influence are drugs, alcohol, or other things like this. So, if any driver has a history of DUI in Meridian, MS, then there are chances to grab an expensive deal. But if the driver has a clean driving record without a speeding ticket, DUI, or at-fault accidents, the deal will be discounted. It means a bad driving history leaves no stone in raising rates. Here are the best car insurance companies Meridian MS, that are offering reasonable rates with DUI:
If your DUI record is uncontrollable, then there are chances that companies can deny you from insuring. So, in this condition, you can find state-sponsored programs that are exclusively available for high-risk drivers in Meridian, MS. In this program, the state department shares the risk between multiple insurance companies.
How To Get Cheap Car Insurance Meridian MS Quotes?
Earlier we talked about all conditions and what are the best companies that are offering reasonable rates. Still, many tips can help to save more money. So, here are the standard methods that people use to save money:
- The best tip is to visit different insurance companies before locking a deal. In this way, you can grab a good deal by knowing the differences between deals.
- Moreover, keep yourself aware of the discounts you can get by showing different conditions or driving records. For instance, you are eligible for discounts for having a good history or belonging to a specific profession.
- Above all, you can save money by bundling the insurance deals. The companies use this term if any customer buys more than one deal from the same company. For instance, a customer will get a discount if purchasing a vehicle, home, or life insurance from one provider.
Note: If you want to grab a further discount, try to lower the accident ratio, DUI, or speeding tickets. Moreover, ask the right questions to show knowledge and ask for the discounts for which you are eligible.
What Are The Different Types Of Meridian MS Car Insurance Coverage Plans?
The above writing has already discussed every bit of the cheap car insurance Meridian MS. But still, there are different types of insurance plans that you should know. Above all, you can use a combination of all kinds to maximize the benefits. So, while selecting the program, don’t forget to look at all these types to grab the best one.
Rental reimbursement insurance:
The rental reimbursement insurance grabs the first position on our list. In this, the driver is paid by the provider if the car isn’t in driving condition. For instance, you get into an accident, and your vehicle gets totaled. So, in this condition, your provider will pay you the rental amount unless you get the new car. But if the vehicle is in driving condition and you sent it for repair, the insurance company doesn’t cover such costs. Moreover, this service extends if the damage happens due to theft. Many best auto insurance companies, Meridian MS, also pays the transportation cost if you decide to travel locally.
Most USA’s states are required by law to buy liability coverage. So, it is a legal requirement in the Meridian MS too. It means you can’t drive a car without having liability coverage. However, this plan mainly covers bodily injuries and property damages. So, if you are at fault, then your insurance plan covers the loss of the next person. Thus, it is preferred to buy the liability coverage to save yourself from unnecessary expenses in case of damages caused by the driver.
You are liable to claim for the collision insurance if the car gets totaled in an accident. Apart from this, if the vehicle gets damaged or destroyed in a car accident, then you are eligible to claim damages. Mainly there are the following conditions after which you can file a claim:
- Totaled Vehicle
- Crash with any object
- Crash due to fall over or rolling
But collision insurance will not apply if the damage happens due to natural weather conditions like hail. In addition, the insurance doesn’t cover medical or non-related costs that aren’t included in the agreement.
Uninsured motorist insurance:
If you are on the road and someone hits your vehicle, an uninsured motorist is there to help. In simple words, this plan covers if the accused person is uninsured. So, it performs best for hit & run cases. However, uninsured and underinsured insurance plans make the best combination. But insurance provider only pays up to the amount that you are paying as an insurance premium.
The name is showing that this plan covers if you need roadside assistance. For instance, if you are traveling but get stuck on the road due to a technical fault, a professional technician will help. However, all these costs are covered by cheap car insurance Meridian MS. The plan covers services like a flat tire, jumpstart, lockout, etc., requiring technical assistance.
Underinsured motorist insurance:
Underinsured motorists’ insurance covers drivers if the accused driver doesn’t have the plan to cover damages. Generally, people have minimum liability coverage to save extra money. So, in this case, if an underinsured driver hits the car, then you can’t claim the amount because the accused driver has limited liability. However, in this case, the insurance provider will cover all those damages due to underinsured drivers. Above all, this plan also covers the medical cost if the accused person can’t do that.
Original part replacement:
Original part replacement isn’t a bad idea if you are planning to invest in a luxurious vehicle. In this type of cheap auto insurance Meridian MS, you pay the premium to replace the damaged part of your vehicle with the original ones. For instance, if you get into an accident and damaged spare parts of your luxurious car. So, in this condition, the company is liable to replace the parts. But the parts should be original from the car’s manufacturer because third-party suppliers are not acceptable.
Towing & labor insurance:
Towing and labor insurance is the best option if you are the one who travels most of the time on the highway and other roads. The towing and labor insurance covers the towing or other expenses that are related to roadside assistance. But this cheap car insurance Meridian MS depends on if you want to include it in your plan or not. Here are the following services that you can get after buying towing & labor insurance:
- Dead batteries
- Flat tires
- Towing expenses
- And other labor costs that are listed in the contract.
If the company isn’t paying on time, then at that time, you can pay from the pocket and later claim the amount.
We all know that machinery wears and tear easily. So, in this condition, auto insurance can’t cover the cost of the loan. So, in this scenario, it suits if you can buy the gap insurance. Gap insurance is a good option, and there are many best car insurance companies Meridian MS that offer reasonable rates. But you are only eligible for the insurance if your vehicle gets totaled or damaged in an accident. On the other side of the car is stolen, the company is only responsible for depreciated value. However, the gap insurance only suits the vehicle that you purchased a couple of years ago. The machinery depreciates quickly, so you can buy this optional plan to cover the difference between original and current value.
Primary part replacement coverage:
Earlier, we talked about original part replacement, and the primary part replacement is an extension of that type of cheap car insurance Meridian MS. However, it is the best choice for people who like to own luxurious cars. There are many best auto insurance companies in Meridian, MS, that determine the value of the damaged part. Apart from this, they are even liable to pay the repairing bill or replacement cost. But insurance providers don’t cover everything and here are main areas that are covered in part replacement insurance:
- After Market
- Used Parts
Note: The term OEM stands for an original equipment manufacturer. The OPR covers the repairing and damage cost of major parts like tires, brakes, batteries, etc.
Personal injury protection:
We use the term PIP for personal injury protection insurance. There are the best auto insurance companies in Meridian MS that cover health-related expenses. But the insurance companies only provide coverage up to 80%, and you will have to pay 20% out of your pocket. The PIP covers the medical, funeral, bodily injury costs, and other related expenses. But it is vital to mention here that the company covers all these costs if you are at fault at not. Still, don’t forget to check laws and compare rates to get affordable car insurance quotes Meridian MS.
Medical payment coverage:
The medical payment coverage is an extension of the PIP. In this cheap car insurance Meridian MS, the provider covers the medical costs. The main aim of getting this optional plan is to protect policyholders, families, and other passengers in the vehicle. Thus, the program covers all medical costs whether you are at fault or not.
Comprehensive insurance is like an extra layer of protection that covers the policyholder from unnecessary costs. If your collision insurance isn’t covering the price, then you can buy this plan. In this insurance type, you are covered and protected if the vehicle is stolen or damaged. There is an extra point than collision coverage that comprehensive insurance covers damages that happen due to weather or other conditions like animal damage.
Classic car insurance:
Classic car insurance, as the name is showing that it is specially designed to protect vintage and classic cars collection. There are many best car insurance companies in Meridian, MS, that offer affordable quotes. But each company has its definition of vintage cars. Generally, the car is vintage if it’s 15-20 years old. Classic car insurance is a good plan that covers everything like:
- Property Damage
- Bodily Injury
So, with all these facilities you will have to pay more amount in the account of classic car insurance. In some conditions, the company needs to replace damaged parts like wheels and engines, etc.
New car replacement:
New car replacement is a type of cheap car insurance Meridian MS, in which the provider pays you to buy a new car. The company is responsible for replacement if the vehicle gets damaged or totaled in an accident. But the damage cost will be according to the making and model of the car. Apart from this, the amount you will get will be after the deduction of Deductibles. A deductible is an amount that you pay while buying the plan. However, the minimum deductible amount shouldn’t be less than $1000. But don’t go with the combination of gap and new car replacement insurance and search the market to get affordable car insurance quotes Meridian MS.
Tips To Reduce Meridian MS Car Insurance Cost
Buying an insurance plan is a personal choice, but it is mandatory in most states of the USA. However, Meridian MS is one of those places where you can’t move on wheels without having insurance. But it is expensive to buy the insurance. Thus, there are specific tips that you can adopt to save extra money.
Switch the insurance provider:
If you are buying insurance plans from one provider for multiple years, you will have to pay more. So, if you want to save more money, consider switching between the best car insurance companies, Meridian MS. By searching in the market, you will find different rates and knowledge that you can later use to grab the best deal. So, it is preferred to switch between insurance providers, especially when you are involved in an accident or DUI.
Increase your deductibles:
Earlier we talked about the importance of deductibles and how it plays an important role. So, before locking any deal, choose the amount limit that you will pay to the provider. However, it depends on the package, but typically this amount ranges between $250-$1000. If the deductible amount is less, then you will have to pay more premiums and vice versa. So, increase your deductibles to save money on premiums.
Go for less car insurance coverage:
You can surely choose the option of buying a less car insurance plan. In this way, you can find affordable car insurance quotes from Meridian MS. But you should remain cautious because a single mistake will wind you up in a huge debt. So, in this situation, you can opt for liability coverage and uninsured motorist coverage. The combination is best that helps to save dollars each month. But with this plan, you must be extra cautious as your plan isn’t covering a major part of damages.
Always seek car insurance discount:
The writing is emphasizing from start to search the market to find the best deals. Moreover, better knowledge will help you to ask for discounts. After getting discounts, you will have to pay less amount as an insurance premium. Here are the following discounts that you can get:
- If you have a bundle of insurance plans from the same provider, you can get a discount.
- Get the discount by insuring multiple cars from the same provider.
- If you have a clean driving history
- Above all, if you are associated with a specific profession like army, police, lawyer, etc., you are eligible for discounts. But you need to ask your provider because states have different rules.
- You will get a discount if you are paying a premium annually or bi-annually.
- A vehicle that comes with the latest safety features like anti-theft lock
It is preferred to search the market and compare the rates of cheap car insurance Meridian MS for the best deal.
Maintain a clean driving record:
A clean driving record is the best tip that surely helps to save insurance premiums. So, try to maintain a clean driving record for years by avoiding DUI, accidents, or traffic violations. If your company doesn’t consider you a greater responsibility, they will offer you a discounted price. Here are ways to maintain a clean driving record:
- Follow traffic rules
- Avoid DUI
- Spend less time behind the wheels
- Join driving course
- Maintain your vehicle
- Install anti-theft technology
Buy a vehicle that is cheaper to insure:
The insurance premium depends on the making and model of the vehicle. So, if you are buying an expensive car without anti-theft features, then the insurance premium will be higher. It happens because insurance providers will pay more money for accidents or damage due to costly vehicles. So, if you want to control the premium, go for the car that is cheaper to insure.
Reduce annual mileage:
The insurance premium depends on the fact how much time you spend behind the steering. For instance, if you have a job requiring you to stay on the road, the insurance premium will be higher. So, you can avoid this extra expense by reducing the annual mileage. If you want to use the vehicle for business use, then go for a commercial insurance plan.
Does Motorcycle Insurance In Meridian MS Have The Same Coverage As Car Insurance?
Motorcycles are different from cars, but the plans are almost the same to provide coverage against damages. So, if you are living in Meridian, MS, then there are some shared plans that you can use for both vehicles. Here are some shared coverages that we can use for both cars and motorcycles.
|Shared insurance plans
|Provide Coverage against
|Fire, wind, theft, and due to other environmental factors
|Damage caused by a crash with another bike or vehicle
|Provides coverage against bodily and property damages
|Medical payment insurance
|Cover expenses for policyholders and passengers whether it’s your fault or not
|Coverage against accidents in which the accused doesn’t have insurance.
Motorcycles are considered more dangerous than cars; still, the premium rate is less for this category. It’s because this vehicle is small and requires less cost for repairing.
Required minimum coverage:
Insurance-related rules vary from state to state. In some states, there isn’t any specific requirement of minimum coverage for motorcycle insurance. But generally, there are the following requirements for min. coverage:
- $30,000 for bodily injury/person
- $60,000 for physical injury/accident
- $25000 for property damages
The difference in coverages:
The differences in car and motorcycle insurance aren’t significant. But motorcycles are more customized than cars, like you can wear safety gear for an extra layer of protection. So, these protective layers play an essential role and save from loss or damage. Above all, the motorcyclists are covered against damages caused by fire, wind, rain, and other environmental conditions. On the other hand, the other significant difference is the guest passenger liability. But it’s not like medical and personal injury protection. The guest passenger liability covers the medical cost of passengers if the driver is at fault. But medical and personal injury protection covers the expenses no matter who is at fault.
Frequently Asked Questions:
The above section tried to answer maximum questions. But still, there are many things that you should clear before buying a car’s insurance plan in Meridian, MS.
Is your family covered by insurance while driving their car?
Before explaining the answer, you should know that rules vary according to the state where you are living. But in Meridian, MS, your faults are covered by insurance if you are listed or scheduled on the insurance plan. For instance, if you are driving your brother’s car and listed as a frequent user, then insurance will cover all damages caused by you. Moreover, you also have an option to extend the coverage for borrowers as well. But in this condition, rates and conditions would be different, and you will have to ask the provider.
What is the minimum coverage requirement in Meridian MS?
The writing has already explained the definition of minimum coverage. So, if you are looking for this plan, then Meridian MS should be at least:
Minimum coverage insurance only pays for the damage that happens to another person’s car or body. So, in this case, if something happens to your vehicle, then you will have to pay out of your pocket. On the other hand, full coverage covers all types of damages, whether it’s your fault or not. However, in full coverage, you pay an extra amount. But if your vehicle is expensive or you live in a risky area, it is preferred to buy a whole coverage insurance plan.
Do insurance providers offer military discounts?
Insurance providers offer many types of discounts. For instance, you are eligible for the benefit if you work in any specific department. In simple words, people call it professional discounts like if you work in the military, judiciary, education, or any other listed profession. Some companies offer military discounts in Meridian, MS, and others don’t, so it’s better to ask before locking the deal. But USAA exclusively deals with the people who have military roots. So, it’s better to check this one of the best auto insurance companies Meridian MS for great deals.
Will auto insurance mechanical repair & scratches?
It is an open reality that vehicles wear and tear due to regular usage. So, if the damage is due to normal wear & tear other than accidents, then it isn’t covered by insurance. But damages that happened by the accidents are covered by insurance when you aren’t at fault. If you are at fault, then a collision plan will help in this regard. In addition to this, comprehensive insurance plans cover scratches. But if scratches happen due to an accident, then these are covered under collision insurance.
Does the policy include towing and roadside assistance 24/7?
Roadside assistance performs best when you need mechanical help on the road. For instance, you may face issues like a flat tire, dead battery, or jumpstart; then this coverage helps to save extra money. If you call a local mechanic, then it will be more costly. Above all, roadside assistance is available 24/7, and you can call the service anytime. The insurance provider considers the fact that you may face a road emergency anytime. But before buying cheap car insurance Meridian MS, the plan doesn’t forget to ask basic questions to get a discount.
What are the areas covered by comprehensive insurance?
The writing has earlier explained comprehensive insurance. In this insurance plan, the driver is covered if damage happens due to theft or vandalism. But comprehensive insurance doesn’t cover the cost in case of collision. Apart from this, you are secured if the damage happens due to a storm or other environmental conditions. For instance, if the windshield or window breaks due to a natural disaster, then cheap car insurance Meridian MS is responsible for covering the cost. So, before buying any plan, it is better to complete your initial search for better deals.