Affordable Car Insurance Auto Insurance in Missouri - Compare Rates




Like any other state, Missouri also requires its drivers to have a liability insurance coverage. If you're not covered under the same, you can lose your driving privileges or even end up in jail. Hence it is wise to buy an insurance coverage.


You should also know that the state follows a Tort system which means that the driver-at-fault and his insurer will have to pay for the damages.

MINIMUM REQUIREMENTS

The minimum levels of MO auto insurance coverage are as follows:

Bodily Injury Liability
This will pay for the injuries that you cause to others in an accident. As also for the legal and court costs in case you are sued by the victim.
>> $25,000 per person for bodily injury
>> $50,000 per accident for bodily injury

Property Damage Liability
It pays for the damages to others' properties in an accident which is caused by you. It usually covers damage to another car, but it also covers damages to property such as road signs, bridges or buildings up to the limit written in the policy
>> $10,000 per accident for property

Uninsured Motorists Insurance (UM)
It covers your bodily injuries and those of your passengers if you are hit by an uninsured motorist or hit-and-run driver who is responsible for the accident. However it is important to note that it will not cover your car.
>> $25,000 per person for bodily injury
>> $50,000 per accident for bodily injury

Nowadays companies provide "single limit" liability insurance which covers Bodily Injury (BI) and Property Damage (PD) liabilities at one single limit of $50,000.

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OPTIONAL COVERAGES

Underinsured motorist insurance (UIM)
It covers your bodily injuries and those of your passengers if you are hit by a car whose driver is at fault and does not have enough insurance to cover the expenses of the injuries. This coverage in addition will be useful when your uninsured motorist limits are exhausted.

Collision Insurance
It covers damage caused by the collision of your car, irrespective of who is responsible. It will pay for collision with any other car or even a stationary object.

Comprehensive Insurance
It pays for damages to your car from risks such as fire, theft, explosion, windstorm, hail, vandalism, glass breakage, birds and animals. It will pay for any other damage other than a collision with another car.

Use the internet to obtain quotes from different companies. This will help you get quotes from many companies without even stepping out of your house.

In today's competitive world companies are vying for you. This puts you in an advantageous position. You can seek out a number of discounts like "good students" discount, "good driver discount", and discount for senior drivers, discounts for installing anti-theft devices. Don't forget to ask for them.

If you have chosen a higher deductible amount then the insurer will automatically lower your insurance rates as he won't be paying for smaller claims. So if you can afford high deductibles then there is no harm in going for it.

If you park your vehicle in a garage then you can earn extra points for keeping your car safe.

There are certain cars whose premium is high. The reason being that may be they are costly to repair.

Your credit history also matter when it comes to insurance. A clean record suggests you are stable enough to pay for future payments.

A clean driving record projects you as a "safe driver". If you have received any tickets or have been convicted for DUI or DWI, then you can forget about a lower insurance rate.

All these tips will surely help to keep your MO car insurance costs down.

All the best for shopping!

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