Insurance Companies in Columbus, MS: An Overview

Columbus, Mississippi is home to a variety of insurance companies and agencies that provide coverage options for residents and businesses in the area. Having access to reputable insurance providers is crucial for protecting your assets and securing your financial future. This article will provide an overview of insurance companies located in Columbus, MS and the types of insurance policies available.

Major Insurance Companies in Columbus

Some of the major insurance companies with a presence in Columbus include:

• Nationwide – Nationwide is one of the largest insurance and financial services companies in the United States. They offer auto, home, life, business, and farm insurance policies in Columbus through local agents and agencies like Columbus Insurance Services.

• State Farm – State Farm is another national insurance provider with several agents operating in the Columbus area. They provide standard policies like auto, home, renters, life, health, and business insurance.

• Allstate – Allstate has various local agencies and agents offering their popular lineup of insurance products including auto, home, renters, motorcycle, and life insurance.

• Farm Bureau – Farm Bureau Insurance provides coverage for farms, homes, autos, and commercial businesses across Mississippi. They have an office on Highway 45 North in Columbus.

• Liberty Mutual – Liberty Mutual is a large property and casualty insurer with local representatives in Columbus. They offer auto, home, renters, life, disability, and business insurance.

• Progressive – Progressive auto insurance is available from local independent agents as well as directly from the company in Columbus. They provide standard auto policies plus motorcycle and RV coverage.

Types of Insurance Available

Residents and businesses in Columbus have access to all the standard types of insurance coverage from providers like the ones listed above:

• Auto Insurance – Liability, collision, comprehensive, uninsured motorist, rental reimbursement, roadside assistance.

• Home Insurance – Coverage for your home, other structures, personal property, loss of use, liability, flood, windstorm.

• Renters Insurance – Protection for your personal property, liability, loss of use for rental homes or apartments.

• Life Insurance – Term life, whole life, universal life, accidental death policies.

• Health Insurance – Major medical, supplemental, Medicare, dental, vision, disability, critical illness.

• Business Insurance – General liability, property, commercial auto, workers comp, professional liability, cyber insurance, employee benefits.

• Specialty Insurance – Flood, motorcycle, classic car, boat, RV, ATV, golf cart, personal watercraft, umbrella liability.

Insurance agencies in Columbus like Columbus Insurance Services have access to a wide range of insurance carriers and can help find you the right policies based on your specific needs.

Top Local Insurance Agencies

Working with a knowledgeable local insurance agency is the best way to find coverage tailored specifically for Columbus residents. Here are some of the top local insurance agencies in the area:

Columbus Insurance Services

• Located at 2610 Main St, Columbus, MS 39701
• Phone: (662) 327-0777
• Offers auto, home, life, business, farm, and specialty insurance
• Represents major carriers like Nationwide, Progressive, Travelers

Dickerson & Bowen

• Located at 1308 College St, Columbus, MS 39701
• Phone: (662) 328-0774
• Provides auto, home, business, life, health insurance
• Works with companies like State Farm, Allstate, Farm Bureau

Lee Insurance Agency

• Located at 1212 5th St S, Columbus, MS 39701
• Phone: (662) 327-2658
• Offers auto, home, life, commercial insurance
• Works with Erie, Progressive, Foremost, Safeco, Travelers

Lucas Insurance Agency

• Located at 829 2nd Ave N, Columbus, MS 39701
• Phone: (662) 328-0904
• Provides auto, home, flood, business, life insurance
• Represents companies like Nationwide, Allstate, Progressive

Howell Insurance Agency

• Located at 803 5th St N, Columbus, MS 39701
• Phone: (662) 328-6722
• Offers auto, home, business, health, life insurance
• Works with companies like State Farm, Allstate, Nationwide

When choosing an insurance agency, consider their experience, reputation, range of insurance carriers, and expertise with local risks. Established local agencies have valuable insight into the specific insurance needs in the Columbus area.

Tips for Finding the Best Insurance in Columbus

Here are some tips for Columbus residents and businesses to find the right insurance coverage at the best price:

• Shop around – Get quotes from several insurance providers before deciding. Rates and coverage can vary widely between insurers.

• Consider bundling – You can often save by bundling auto and home or renters insurance with the same provider.

• Maintain good credit – Insurers often offer discounts for good credit history. Keeping your credit score high reduces premiums.

• Take advantage of discounts – Ask about discounts for safety features, multi-policies, being claims-free, or security systems.

• Increase deductibles – Choosing a higher deductible lowers your premiums but means you pay more out-of-pocket on a claim.

• Limit high-risk coverage -Removing coverage for high-risk items like jewelry can reduce premiums. Consider scheduling them separately.

• Review annually – Check in with your agent each year at renewal to be sure your policies still fit your needs.

Finding the right insurance for your needs at an affordable price takes some research. Working with a reputable local insurance agency like the ones listed above is the best way to protect yourself and your assets.