If you live in Missouri and own a car, you need to have car insurance. Auto coverage is required by law in the state, and it can protect you financially in case of an accident. However, car insurance can be expensive, and finding cheap car insurance in MO can be a challenge.
If you’re on a tight budget or just looking to save money on your car insurance, you’re in the right place. In this article, we’ll discuss some tips and tricks on how to get cheap car insurance in MO without sacrificing coverage or quality.
What Is Car Insurance?
Car insurance is a contract between you and an insurance company that provides financial protection in case of an accident, theft, or other damage to your vehicle. Car insurance can also cover bodily injury and property damage to others if you’re at fault in an accident. In Missouri, the minimum car insurance requirements are:
Minimum Coverage |
Limits |
Bodily Injury Liability |
$25,000 per person / $50,000 per accident |
Property Damage Liability |
$10,000 per accident |
Uninsured Motorist Bodily Injury |
$25,000 per person / $50,000 per accident |
Underinsured Motorist Bodily Injury |
$25,000 per person / $50,000 per accident |
How to Get Cheap Car Insurance in MO
1. Shop Around and Compare Quotes
One of the easiest ways to save money on car insurance is to shop around and compare quotes from different insurance companies. Not all insurance companies charge the same rates, so it’s important to do your research and find the one that offers the best coverage for your budget.
You can get car insurance quotes online or by calling insurance companies directly. Be sure to compare the coverage, deductibles, and limits of each policy before making a decision.
2. Increase Your Deductible
Another way to lower your car insurance premium is to increase your deductible. Your deductible is the amount of money you have to pay out of pocket before your insurance coverage kicks in. The higher your deductible, the lower your premium will be.
However, it’s important to make sure you can afford to pay the deductible if you ever need to file a claim.
3. Take Advantage of Discounts
Many insurance companies offer discounts that can help you save money on your car insurance. Some common discounts include:
- Safe driving discounts
- Good student discounts
- Multi-car discounts
- Anti-theft device discounts
- Bundling discounts (if you have multiple insurance policies with the same company)
Be sure to ask your insurance company about any discounts you may qualify for.
4. Drive Less
The less you drive, the less you’ll pay for car insurance. If you don’t drive your car very often, be sure to let your insurance company know. You may be eligible for a low-mileage discount.
5. Maintain a Good Credit Score
Believe it or not, your credit score can affect your car insurance premium. Insurance companies use credit scores as a factor when determining rates. Maintaining a good credit score can help you get lower rates on your car insurance.
Frequently Asked Questions
What Does Car Insurance Cover?
Car insurance can cover a variety of things, including:
- Damage to your vehicle
- Bodily injury to others
- Property damage to others
- Uninsured and underinsured motorist coverage
- Medical expenses
What Factors Affect My Car Insurance Premium?
Several factors can affect your car insurance premium, including:
- Your driving record
- Your age and gender
- The make and model of your vehicle
- Your credit score
- Your location
- The amount of coverage you need
What Happens If I Don’t Have Car Insurance?
If you’re caught driving without car insurance in Missouri, you may face fines, license suspension, and even jail time. You may also be held financially responsible for any damages or injuries you cause in an accident.
Can I Get Car Insurance with a Suspended License?
Some insurance companies may offer car insurance to drivers with suspended licenses, but it can be more difficult to find coverage. Be sure to shop around and compare quotes from multiple insurance companies if you have a suspended license.
How Do I File a Car Insurance Claim?
If you’re involved in an accident or your vehicle is damaged, you’ll need to file a car insurance claim with your insurance company. The process may vary depending on your insurance company, but generally involves:
- Contacting your insurance company to report the claim
- Providing details about the accident or damage
- Getting an estimate for repairs
- Having the repairs made
- Paying your deductible
Conclusion
Getting cheap car insurance in MO may take some effort, but it’s worth it in the long run. By shopping around, increasing your deductible, taking advantage of discounts, driving less, and maintaining a good credit score, you can save money on your car insurance without sacrificing coverage or quality.
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