Car Insurance for MS Sufferers

The high rates for car insurance for MS sufferers can make it difficult to find affordable insurance. To get the cheapest rates, MS sufferers should compare quotes before purchasing car insurance.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 15, 2020

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Here's what you need to know...

  • Drivers with disabilities may face higher car insurance rates
  • Comparison insurance shopping can be a powerful way for MS sufferers to save on car insurance coverage
  • Comparison shoppers can often discover little known but significant discounts

Of the many millions of drivers on the roads of the U.S., a significant number are dealing with a disability or medical condition.

One of the most prevalent of these conditions is called multiple sclerosis, or MS. Drivers who are living with MS may face a variety of challenges when it comes time to secure car insurance.

That being said, there are many opportunities to be had for those who take the time to comparison shop.

This article will give readers information about how to get the most appropriate coverage options and save cash at the same time.

Compare car insurance quotes today by using our free rate comparison tool.

Mandatory Car Insurance Coverages

These car insurance policy items must be carried by law, and include bodily injury liability insurance and property damage liability coverage.

  • Property damage liability – This coverage is designed to pay for the costs of damages to another’s property caused by the policyholder.
  • Bodily injury liability – This insurance policy provision pays for any medical bills that arise from a collision with the policyholder.
  • Personal injury protectionPIP insurance is not universally mandated but is nevertheless a vital car insurance coverage item to have. PIP pays for the injuries that may be suffered by the driver and passengers of the client vehicle during an accident.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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Optional Car Insurance Coverages

These coverage options are up to the individual. While some people may avoid picking up these options in an effort to save money, not having them can cost a lot of money if an accident takes place.

  • Comprehensive coverage – Nature cannot be controlled by man and throws all manner of challenges at vehicles. These challenges can include storms, fire, floods, and more. Comprehensive will pay for damages from incidents outside of a collision with another vehicle.
  • Glass coverage – This coverage provides for the prompt replacement of damaged glass and windows at no additional cost to the policyholder.
  • Underinsured motorist coverage – The fact of the matter is there are a large number of drivers on the road at any given time without car insurance coverage. By carrying underinsured coverage, drivers can put worries about accidents with such drivers to rest for good.
  • Adaptive equipment coverage – MS symptoms vary from person to person, but many people who are living with this condition may need special adaptive equipment items in order to operate a vehicle. Examples of these can include steering wheel knobs, mechanical controls, specialized mirrors, and seat lifts.

Insurance companies are not allowed to factor your disability or medical condition into your insurance rates. The following are ways anyone can save on car insurance.

  • Safe vehicle rebates and discounts – A number of car insurance firms offer discounts for vehicles that include specific safety items. Many newer vehicles come with these safety systems already installed.
  • Balancing deductible levels – Deductibles are fees that have to be paid by the policyholder before the policy itself kicks into action. Lower deductibles usually mean higher payments, while higher deductibles usually create lower monthly premiums. Raising your deductible can save considerable amounts of cash in the long run.
  • Comparison shopping – Comparison sites work hard to present clients with in-depth information about many car insurance companies. This service can save individuals untold hours of searching and work, as well as significant amounts of money.
  • Policy bundling – This creative money saving technique simply involves individuals purchasing various kinds of coverage from the same insurance firm. For example, an individual might have one company handle their homeowners and vehicle insurance policies.

Car Insurance Options That May be Useful for MS Sufferers

Individuals who are living with the effects of MS can experience what are known as exacerbations. These are periodic attacks that can leave them weakened and unwell.

By carefully selecting appropriate options, drivers with MS can help to ensure that they will be taken care of if something happens during one of these episodes.

  • Towing coverage – Even the newest of vehicles is still man-made, and thus subject to failure. Towing coverage can give clients the peace of mind of knowing that if their vehicle breaks down in a remote area, they will be able to count on a helping hand.
  • Car replacement coverage – This kind of coverage provides a replacement vehicle while the main vehicle of the policyholder is being repaired. For individuals who rely on their vehicles for work purposes, this option can be especially useful.

The information found in this article can go far towards helping such drivers to get the maximum coverage levels with the minimum of expense. Compare car insurance quotes today using our free rate tool.

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