Cheapest Auto Insurance in Southaven, Mississippi (2024)
With liability rates of $39 per month, State Farm is the cheapest car insurance company in Southaven.
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Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Updated November 20, 2024
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Table of contents
Southaven is home to many attractions, such as Snowden Grove Park, the Southaven Towne Center, and the BankPlus Amphitheater. While it’s a great place to live, car owners in Southaven pay an overall average of $173 per month for car insurance — slightly more than the Mississippi state average of $155.
The city’s slightly higher rates could be due in part to the higher rate of motor vehicle theft in DeSoto County.[1] The good news is many Mississippi car insurance companies offer affordable auto insurance rates for people in Southaven. Comparing quotes from multiple insurers can help you find the policy that works best for you.
Quick Facts
Drivers in Southaven pay an average of $243 per month for full-coverage insurance and $104 per month for liability-only coverage.
State Farm, USAA, and Allstate offer the cheapest car insurance in Southaven.
For assistance with car insurance in Southaven, you can call the toll-free Mississippi Insurance Department Consumer Help Line at 1 (800) 562-2957.
3 of the cheapest car insurance companies in Southaven
As you shop around for an auto policy in Southaven, be sure to consider factors like your location, marital status, driving history, coverage options, and unique needs. It’s a good idea to compare quotes from multiple insurance companies to get an accurate view of the market’s offerings.
State Farm, USAA, and Allstate are three insurers you might want to explore, as they all offer affordable auto insurance coverage in Southaven.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $74 | $35 | Young drivers |
| USAA | 9.4 | $76 | $36 | Military members and veterans |
| Allstate | 8.9 | $121 | $58 | Discounts |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for young drivers: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $39/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $83/mo |
4.2
Best choiceBased on 9036 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,969)
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
Ronald
November 18, 2024
Verified Review
Very Expensive Auto and Home
Extremely harsh local service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Many students in the Southaven area attend schools like Southaven High School and Northwest Mississippi Community College. State Farm offers a number of discounts for these students and young drivers, such as a defensive driving course discount and good student discount.
Pros
Discounts available for teens and young drivers
Rental car and travel expenses coverage available
Cons
Gap insurance not available
Fewer available discounts than some competitors
Best insurer for military members and veterans: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $40/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $85/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Southaven is home to more than 3,400 veterans, according to a 2017–2021 U.S. Census Bureau estimate.[2] Veterans and military members in the city can lock in cheap auto insurance rates with USAA.
The car insurance company focuses on the military community, offering Mississippi auto insurance as well as other financial solutions and insurance products, like renters insurance, motorcycle insurance, life insurance, and home insurance.
Pros
Offers a usage-based car insurance program
Rideshare coverage available
Cons
Must be affiliated with the military to become a member
Gap insurance not available
Best insurer for discounts: Allstate
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $65/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $135/mo |
4.0
Best choiceBased on 5647 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,072)
Lyudmila
November 14, 2024
Verified Review
No Discount for Seniors
The service is mediocre.
Latonya
November 12, 2024
Verified Review
Not Recommended
I would not recommend Allstate. They did not support me when I needed them most. They didn't believe me or the other party when we said my first accident wasn't my fault. My agent incorrectly reported to the DMV that my insurance had lapsed when it hadn't. They increased my insurance rates four to five times within two years. A representative from my agent's office called me to sell renters insurance, promising a lower monthly rate, which turned out to be false. After I was involved in a hit and run, instead of ensuring my wellbeing, they raised my insurance again to almost $800/month. I find Allstate to be a disappointing car insurance company and I wouldn't recommend them to anyone.
Linda
November 12, 2024
Verified Review
The office in St. Petersburg, FL has significantly changed. I have been with All State, using the same office, for years. Recently, new management has taken over and the staff has become less courteous and often fail to follow through on their commitments. It's even more challenging when your call gets redirected to an office in another state.
The office in St. Petersburg, FL has significantly changed. I have been with All State, using the same office, for years. Recently, new management has taken over and the staff has become less courteous and often fail to follow through on their commitments. It's even more challenging when your call gets redirected to an office in another state.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
Allstate offers a variety of discounts that can help drivers in every stage of life save money on a car insurance policy. Some discounts include a good student discount, anti-theft device discount, and new-car discount.
Pros
AM Best financial strength rating of A (Excellent)
Personalized customer service through local car insurance agents
Cons
Below-average J.D. Power customer satisfaction rating in the Southeast region
Pay-per-mile program Milewise not available in Mississippi
How to get the cheapest car insurance in Southaven
Fortunately, a number of large and small car insurance companies offer auto policies to Southaven drivers. Here’s how you can land the best deal on your car insurance coverage:[3]
Shop around. Be sure to use an online quote-comparison tool or consult independent agents to get quotes from at least three different car insurance companies. This way, you can zero in on the right coverage for your unique needs and financial situation.
Look for discounts. Many car insurance companies offer a variety of discounts to customers, such as a multi-car discount, loyalty discount, and safe driver discount. Take advantage of these discounts to score affordable lower rates.
Consider usage-based insurance. Usage-based, or pay-per-mile, insurance may reduce your car insurance costs, especially if you work from home, are retired, or only drive on occasion. Your monthly premiums will be based on the miles you drive.
Drive safely. Speeding tickets, at-fault accidents, and DUIs can all raise your insurance premiums. Practice driving safely to keep your rates low.
Find Cheap Car Insurance in Southaven
Liability rates start at $39 per month
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Cheapest liability-only car insurance in Southaven: State Farm
Mississippi law requires liability-only car insurance, which is the cheapest type of auto insurance coverage available. This coverage only pays for injuries or damage that you cause to another person in an accident; it won’t pay for your damages.
State Farm offers the most affordable liability-only policies in Southaven, at $39 per month.
The table below shows average quotes for liability-only policies from reputable insurance companies in Southaven.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $39 |
| USAA | $40 |
| Allstate | $65 |
| Progressive | $65 |
| Nationwide | $67 |
| GEICO | $68 |
| National General | $71 |
| Travelers | $77 |
| Safeco | $81 |
| Root | $85 |
| Bristol West | $87 |
| Shelter | $99 |
| Clearcover | $112 |
| Foremost | $115 |
| GAINSCO | $117 |
| Dairyland | $145 |
| Liberty Mutual | $148 |
| Direct Auto | $177 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Southaven: State Farm
Full-coverage car insurance is typically a combination of three coverage types, including minimum liability coverage, collision coverage, and comprehensive coverage. It can offer additional protection and might be required if you have a lease or loan on your vehicle. Since full-coverage insurance provides more protection, it’s also more expensive than liability-only coverage.
Southaven drivers can find the cheapest full-coverage insurance from State Farm, with rates of $83 per month.
Here’s a look at the insurance companies with the cheapest quotes for full-coverage auto insurance in Southaven.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $83 |
| USAA | $85 |
| Allstate | $135 |
| Progressive | $136 |
| National General | $138 |
| Nationwide | $140 |
| GEICO | $142 |
| Root | $151 |
| Safeco | $152 |
| Travelers | $162 |
| Clearcover | $180 |
| Shelter | $209 |
| Bristol West | $237 |
| Liberty Mutual | $272 |
| Foremost | $318 |
| Dairyland | $325 |
| GAINSCO | $385 |
| Direct Auto | $452 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Southaven, Mississippi
Drivers using Insurify have found quotes as cheap as $39/mo for liability only and $74/mo for full coverage in Southaven and other Mississippi cities.
*Quotes generated for Insurify users in and around Southaven, Mississippi within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Southaven, Mississippi within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Mississippi
Mississippi is an at-fault, or tort, state, meaning the at-fault driver must pay for the damages and medical expenses of the others, usually through their liability-only car insurance. Drivers in Southaven are required to show proof of insurance to avoid hefty fines and other consequences.
Here are the minimum car insurance requirements in Mississippi:[4]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
While liability insurance is the cheapest type of car insurance, you may want to invest in optional car insurance to protect you financially in different situations. Here are several policies you might want to explore for more protection as a driver in Southaven:
Comprehensive coverage
Comprehensive coverage may kick in after your car sustains damage in non-collision events, like fire, theft, and vandalism.
Collision coverage
Collision coverage pays to repair or replace your vehicle if you’re involved in an accident with another driver or stationary object, no matter who caused it.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage can save you from high out-of-pocket costs if you get hit by a driver without car insurance or with insufficient coverage.
Rental car reimbursement
If you can’t drive your vehicle because it’s in the shop being repaired after an accident, rental car reimbursement can cover the cost of a rental car.
Cheapest car insurance for drivers with an incident
If your driving record contains incidents — like at-fault accidents, speeding tickets, and driving under the influence (DUI) — insurers will consider you to be a higher-risk driver and charge higher car insurance rates as a result. This is why Southaven drivers with clean records usually pay cheaper rates.
Even if you have a poor driving record, it’s still possible to find affordable auto insurance coverage. This table shows how driving incidents can affect your car insurance rates in Southaven.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
|---|---|---|---|---|
| State Farm | $39 | $50 | $52 | $64 |
| USAA | $40 | $52 | $54 | $65 |
| Allstate | $65 | $84 | $88 | $106 |
| Progressive | $65 | $83 | $88 | $106 |
| Nationwide | $67 | $87 | $91 | $110 |
| GEICO | $68 | $88 | $92 | $111 |
| National General | $71 | $92 | $96 | $116 |
| Travelers | $77 | $100 | $104 | $126 |
| Safeco | $81 | $106 | $108 | $123 |
| Root | $85 | $118 | $122 | $124 |
| Bristol West | $87 | $113 | $117 | $142 |
| Shelter | $99 | $133 | $139 | $162 |
| Clearcover | $112 | $145 | $162 | $183 |
| Foremost | $115 | $160 | $165 | $188 |
| GAINSCO | $117 | $162 | $151 | $191 |
| Dairyland | $145 | $187 | $194 | $237 |
| Liberty Mutual | $148 | $206 | $212 | $242 |
| Direct Auto | $177 | $228 | $244 | $289 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
Compared to teens and young adults, senior drivers have a higher car accident mortality rate.[5] Average premiums tend to decrease at age 35 and pick back up around age 70 due to the physical and mental limitations seniors often face.
Here’s an overview of the cheapest car insurance quotes for Southaven residents by age.
Age ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Teens | $429 |
| 20s | $238 |
| 30s | $172 |
| 40s | $153 |
| 50s | $130 |
| 60s | $123 |
| 70s | $139 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Shop for Car Insurance in Southaven, MS
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Southaven car insurance quotes by credit tier
Like most states, Mississippi allows car insurers to look at credit when underwriting policies and determining rates. Because insurance companies believe drivers with good and excellent credit are less likely to file claims, they usually offer them cheaper premiums.
A Southaven driver with excellent credit will pay an average of $142 per month, while someone with poor credit may have to settle for an average rate of $279 per month.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Southaven car insurance FAQs
If you’re shopping for car insurance in Southaven, Mississippi, this additional information may help as you research your coverage options.
How much is car insurance in Southaven?
Car insurance in Southaven costs an average of $243 per month for full coverage and $104 per month for liability-only coverage, according to Insurify data.
Which insurer has the cheapest car insurance in Southaven?
State Farm offers the cheapest car insurance in Southaven, with liability rates as low as $39 per month. Southaven drivers can also find affordable coverage with the city’s second- and third-cheapest insurance companies, USAA, and Allstate, which have liability rates starting at $40 and $65, respectively.
What are the best car insurance companies in Southaven?
With an above-average J.D. Power customer satisfaction rating in the Southeast, an AM Best financial strength rating of A++ (Superior), and an Insurify Quality Score of 4.5 out of 5, State Farm is one of the best car insurance companies in Southaven.
Other top insurers to consider include Allstate and USAA.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Mississippi
Sources
- Mississippi Crime Statistics. "Property Crimes 2022."
- U.S. Census Bureau. "Southaven City, Mississippi."
- Insurance Information Institute. "How to save money on car insurance."
- Mississippi Insurance Department. "Auto Insurance."
- Insurance Information Institute. "Background on: Older drivers."
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Anna BaluchInsurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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