Missouri Car Insurance Comparisons


Missouri state flagThe Show Me State requires that any person registering a vehicle must have liability coverage and valid proof must be shown at the time of registration and renewal of license plates. In addition, law enforcement officers have the right to ask for such proof during a routine traffic stop and failure to provide proper documentation can result in the issuance of a ticket. Unfortunately, many residents choose to drive uninsured even though the average Missouri auto insurance premium is well below the national average; a quote comparison from multiple companies may help individuals find affordable policies rather than drive illegally.

Compare Missouri Auto Insurance Quotes

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Effectively Comparing Missouri Car Insurance

Not only is driving without automobile coverage against the law, but it can also have dire consequences if involved in a traffic accident. An uncovered accident can be extremely devastating, both emotionally and monetarily, and having proper protection in place can help deal with such a stressful incident. Comparison shopping can assist in helping individuals get properly insured as well a find the most inexpensive rates to help avoid such situations.

Currently, the Missouri auto insurance laws require all motorists to carry liability coverage in the amount of $25,000 per person for bodily injury, $50,000 per accident for bodily injury and $10,000 for property damage. In addition, the state also requires drivers to carry uninsured motorist coverage of $25,000 for bodily injury to on person and $50,000 per accident. These limits are a good starting point to begin comparing rates, but more extensive protection is often suggested such as $100,000 and $300,000 for bodily injury liability and uninsured motorist and a may be a good idea to compare quotes on higher limits. In many cases the cost will not increase substantially and can be quite beneficial following a serious accident.

Missourians must also be aware that none of the state mandated types of coverage protect against physical damage to the policyholder's vehicle; for this the consumer would need to purchase the comprehensive and collision option. This will cover damage that an insured's vehicle may sustain minus the deductible chosen at time of purchase. When comparing this option it is a good idea to obtain auto insurance quotes based on different deductible amounts that are usually in the amount of $250, $500 and $1,000. Generally, the higher the deductible, the lower the premium, but one must realize that the amount chosen will have to be paid in the event a claim is filed and should be sure to pick an amount that can be paid in such a case.

When comparison shopping it is very important to address any discounts that may be available for optimum savings. In many cases, if a person does not ask for a discount, they may not receive it. According to the Missouri Department of Insurance Discount Guide there are many discounts available from several companies and each insurer will deduct different percentages off of a premium. When asking about discounts, a consumer may want to not only ask which are available, but how much they will save as well.

Missouri street signTaking the necessary time to obtain rates from multiple insurers and compare effectively based on the many aspects of automobile policies may take some effort, but if savings are found it can be well worth it and if an individual can locate more extensive coverage at an affordable rate then all the better. Being insured is mandatory for those who wish to drive, comparisons can help ensure that the best deal is found.