Cheap Missouri Auto Insurance

We know that car insurance is expensive, and with that being the case, there’s a sufficient need for a person to have something a bit cheaper. Luckily, we’re known to provide just that with our free quote tool. It’s easy to use, and represents some of the premier leaders in the industry, those that regularly dole out cheap auto insurance in Missouri. We implore everyone to check and see if they can save on their auto insurance policies.

Missouri Auto Insurance Law and Practices

Under Missouri law, insurance companies may exclude a driver in your household from inclusion on your auto insurance policy for legal reasons. In fact, the auto insurance company may make this request for a person with a poor driving history which poses a higher risk, but don’t be discouraged, it may not discount a person from obtaining cheap auto insurance in Missouri. If a driver is excluded from the policy, they have no liability coverage but you still have the liability exposure if they drive one of your vehicles and get in an accident. The exclusion must be stated on the policy or on an endorsement attached to the policy. Some exclusions are difficult to spot on Missouri auto insurance policies so it is important that you read your policy carefully.

According to Missouri law, you cannot drive without the minimum amount of auto liability insurance and there are no exceptions allowed for this law. Driving without proper insurance is considered as breaking the law, and frankly, it isn’t very smart – especially when there are more than enough cheap Missouri auto insurance avenues in the state. Insurance in Missouri will notify the proper authorities if your insurance is dropped or lapses. You can be fined from $1,000.00 to $3,000.00. In addition, you may face jail time as well as the loss of your driver’s license, registration and plates for your vehicle.

The state of Missouri allows insurance companies to check your credit history when they set your premiums and determine whether they will insure you. Paying your bills on time can help to reduce your insurance rates, and that’s paramount if you’re looking for cheap Missouri auto insurance. The company may ask you to explain any bankruptcies, judgments, or credit problems. The insurance company will also use other criteria such as your driving record, age, type of vehicle you drive and the area where you live to determine your premium rates.

Missouri is a tort state which means you can be personally sued for injuries, deaths, and damages beyond the amounts your insurance policy covers. The average insurance premium in Missouri averages about $673.00 and has the 36th most expensive auto insurance premiums in the nation as of 2006, making it a more cost-effective state, heightening the chance for cheap auto insurance in Missouri. There are 243 insurance companies approved to sell the mandatory liability automobile insurance in the state of Missouri.
Things to Consider About Premiums

There are quite a few things you can do if you want to reduce your premium, all in hopes of achieving success in finding cheap auto insurance in Missouri. A couple includes maintaining a clean driving record and driving a vehicle with a good safety rating. Other things that can affect your insurance are the area where you live and work and the traffic volume in that area. Your age, the age of your car as well as its condition and the type of vehicle you drive, your gender, and your marital status will play a factor in the cost of your auto insurance premiums.

Let’s say you don’t have a stellar driving record. It doesn’t mean that you’re not going to receive cheap auto insurance in Missouri. Although it may be a bit more difficult, we’re help anyone who’s looking for a way to receive a better policy, thanks to the free link quote. We provide quotes from smaller and from some of the largest corporations that supply auto insurance. Try our free quote tool now to see the savings!

Useful links:
Missouri Division of Motor Vehicles
Missouri Division of Insurance
Missouri Department of Revenue

Bodily Injury Liability Per Person: $25,000.00 Limit
Bodily Injury Liability Per Accident: $50,000.00 Limit
Property Damage Per Accident: $10,000.00 Limit
Uninsured/Underinsured: $25,000.00/$50,000.00 Limit

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