Missouri Car Insurance FAQ
How can I find an affordable Missouri
car insurance quote quickly?
By conducting your search for Missouri car insurance online you will be able to find a large number of quotes in a very efficient amount of time. By being able to compare several quotes at once it will be much easier to find the most affordable options. You can even get started right now. Just go to the top of this page and enter your zip code into our FREE car insurance quote tool and compare quotes from top Missouri auto insurance companies now!
What is the difference between
liability and collision insurance?
Liability insurance only covers damages that you may cause to someone else during an accident. If you are involved in a car accident, which is deemed to be your fault, your liability insurance will pay for the medical expenses and vehicle damage suffered by the person that you hit. However, in order to also receive compensation for your own vehicle if you are at fault in an accident, you will be need to carry collision insurance.
What is comprehensive coverage?
Comprehensive coverage takes care of damages to your car that result from causes other than an automobile collision. These may include the following: vandalism, fire damage, weather damage, dents caused by road-kill, or a broken windshield. However, there are very few plans that cover every single possibility, so you should make sure that you have a full understanding of exactly what is covered and what is not before signing a comprehensive coverage policy.
What is uninsured motorist coverage?
Uninsured motorist coverage (also known as underinsured motorist coverage or UM/UIM) will pay for damages to your vehicle if you are in an accident in which an uninsured or underinsured driver is at fault. This type of coverage is mandated by law in Missouri.
What is a premium?
A premium is the amount of money that you will be required to pay each month to your insurance company for coverage.
What is a deductible?
A deductible is the amount of money that you will have to pay in the case of an accident before your insurance kicks in. For example: if your deductible is $500, then you will be responsible for the first $500 of damages and then your insurance company will pay the rest.
How much car insurance am I required
to have by Missouri state law?
Missouri state law requires you to carry liability insurance amounting to $50,000 per accident for bodily injury, $10,000 per accident for vehicle damage, and $25,000 per person for bodily injury. In addition, you will also be required to carry $25,000 per person, and $50,000 per accident for uninsured motorist coverage.
Which Missouri insurance company
offers the most affordable rates?
Unfortunately, there is no simple answer to this question. Since every insurance company caters to a specific demographic, they each have strong rates in different categories. For example, GEICO has very competitive rates for drivers with clean records, but less competitive rates for drivers with a higher risk factor. On the other hand, Safeco has extremely competitive rates for middle-aged drivers, but average to above average rates for teens and young adults.
The company that might be able to provide the lowest rates to one person may not be able to do the same for another. For this reason, it is a good idea to look at quotes designed specifically for your personal situation, from a variety of companies. This way you will be able to find one that can provide you personally with the best possible rate.
You can get started comparing Missouri auto insurance quotes now by going to the top of this page and entering your zip code into our FREE car insurance quote tool! Take a few moments and get started finding Missouri car insurance now!