Compare Missouri Car Insurance

Compare Missouri car insurance rates, policies and providers to get the best complete package on your vehicle coverage. While finding a good rate is important when you compare car insurance in Missouri, you also want to be sure that you are getting the most comprehensive plan for your needs. With an online search you will have instant access to top providers across Missouri. You can browse, compare and select the right policy for your specific needs, both on and off the busy roads.

How Car Insurance Works

Missouri drivers will need to purchase a minimum basic coverage plan which is known as 25/50.10 with 25/50 UM limits. This includes $25,000 of bodily injury liability per person up to $50,000 per accident, $10,000 of property damage protection as well as $25,000 of uninsured motorist coverage per person up to $50,000 per accident. This is a fairly standard basic coverage plan used by many states across America.

Choosing Optional Coverage Extras

On top of the basic coverage amounts and limits, it is always a good idea to consider optional coverage extras. Missouri operates under a tort system which means that the driver responsible for the accident will need to pay for the damages and medical expenses. If you are found at fault, then your liability coverage will pay for the damage to the other driver. However, under the basic coverage plan, damages to yourself and to your own vehicle will not be covered. This is why it is so important to consider optional vehicle coverage extras when you compare Missouri automobile insurance.

Two important optional extras to consider include collision coverage and comprehensive coverage. Collision coverage will pay for the costs incurred to your vehicle if you are at fault for the accident while comprehensive coverage will pay for the costs incurred to your vehicle if the accident was the result of an act of God or a third party. This includes incidents of storm damage to your vehicle as well as theft or vandalism. Including collision and comprehensive coverage on your plan will provide you with a more complete package and full protection on and off the roads.

Personal injury protection is another good option to compare and consider when you compare Missouri car insurance. Personal injury protection will pay for medical related costs incurred to yourself and your passengers including loss of income, funeral and burial costs and rehabilitation fees. Dealing with the aftermath of any car accident is stressful enough without the added fear of financial loss if you are seriously injured. You can also compare additional coverage options such as roadside assistance and loss of use coverage, both of which can be added onto any policy.

Compare Missouri Auto Insurance Discounts

When you compare car insurance in Missouri to the national average, you may find that both are quite similar. Drivers in MO can expect to pay, on average, around $1500 for car insurance which is fairly similar to the national average of $1545. However, how much or how little you pay for your car insurance will depend on a number of factors including your age, your gender, your life situation, your car, your driving history, where you live in Missouri and how much time you spend on the roads.

There are several ways for Missouri drivers to find a lower price for coverage. As mentioned above, when you compare car insurance in Missouri online, you are giving yourself the best opportunity to save on your annual coverage. However, there are several other discounts to be on the lookout when you compare vehicle coverage rates.

When you compare Missouri vehicle insurance you will find there are discounts to people of certain ages and lifestyles. Students, for example, may be able to save 10-15 percent on their car insurance under the Good Student Discount, if they have high enough grades. Mature aged drivers, or those over the age of 55, may be able to qualify for the Mature Aged Driver Discount, which rewards experienced drivers of a certain age. You may also be eligible for a discount if you drive a hybrid or fuel efficient car (the Green Discount) or if you do not drive often (the Low Mileage Discount).

Every single provider is different when you compare Missouri car insurance which is why it is so important to shop around and compare what's out there. You could be missing out on a good quote simply because you have not looked around. While one provider may specialize in offering good quotes to young drivers, another may be able to help family drivers looking for the best deals. Give yourself the best opportunity to find the cheapest prices when you compare car insurance in Missouri by knowing how car insurance works and using this competitive market to your advantage.

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