Missouri Auto Insurance

Under Missouri law, insurance companies may exclude a driver in your household from inclusion on your auto insurance policy.  In fact, the auto insurance company may make this request for persons with a poor driving history which pose a higher risk.  A college student who lives away from home and does not have access to a vehicle may be excluded.  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. All exclusions must be either stated in the policy or on an endorsement; generally is it covered in the exclusions section of your policy along with all the other circumstances which will allow your insurance company to refuse a claim.

If you have an auto policy or have had one in the past, you must provide the name of the company, the dates of coverage, and the amount of liability coverage it provided.  Some insurance companies will give you better rates if you insure for more than the state mandatory minimums.  Lack of prior insurance coverage due to never owning a car cannot be held against you as long as you have never violated the Missouri mandatory insurance laws.

The state of Missouri allows insurance companies to check your credit history when they set the policy premiums and determine whether they will insure you.  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, gender, marital status, 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.  There are 243 insurance companies approved to sell the mandatory liability automobile insurance in the state of Missouri.  They are 1st Auto & Casualty Insurance Company,  21st Century Insurance Company, Ace American Insurance Company, Acuity A Mutual Insurance Company, Aegis Security Insurance Company, Affirmative Insurance Company, AIG Advantage Insurance Company, AIG Casualty Company, AIG Centennial Insurance Company, AIG National Insurance Company, AIG Premier Insurance Company, AIU Insurance Company, Alfa Vision Insurance Corporation, Allied Property & Casualty Insurance Company,  Allmerica Financial Benefit Insurance Company, Allstate Indemnity Company, Allstate Insurance Company, Allstate Property & Casualty Insurance Company, Alpha Property & Casualty Insurance Company, AMCO Insurance Company, American Bankers Insurance Company of Florida, American Casualty Company of Reading, PA., American Family Home Insurance Company, American Family Mutual Insurance Company, American Fire & Casualty Company, American Fire & Casualty Company, American Hallmark Insurance Company of Texas, American Home Assurance Company, American International Insurance Company, American International South Insurance Company, American Modern Home Insurance Company, American Modern Select Insurance Company, American National General Insurance Company, American Reliable Insurance Company, American Security Insurance Company, American Service Insurance Company of Wisconsin, Amerisure Mutual Insurance Company, Amex Assurance Company, AMICA Mutual Insurance Company, Armed Forces Insurance Exchange, Auto Club Family Insurance Company, Auto Owners Insurance Company, Automobile Club Inter-insurance Exchange, Automobile Insurance Company Of Hartford Connecticut, Balboa Insurance Company, Bankers Insurance Company, Bristol West Insurance Company, California Casualty General Insurance Company of Oregon, California Casualty Indemnity Exchange, Cameron Mutual Insurance Company, Cameron National Insurance Company, Charter Indemnity Company, Chubb National Insurance Company, Cincinnati Insurance Company, The, Citizens Insurance Company of America, Columbia Mutual Insurance Company, Consumers Insurance USA Inc., Continental Insurance Company, The, Cornerstone National Insurance Company, Country Casualty Insurance Company, Country Mutual Insurance Company, Country Preferred Insurance Company, Dairyland Insurance Company, Deerbrook Insurance Company, Depositors Insurance Company, Direct General Insurance Company, Direct National Insurance Company, Economy Fire & Casualty Company, Economy Premier Assurance Company, Electric Insurance Company, Emcasco Insurance Company, Employers Mutual Casualty Company, Encompass Indemnity Company, Encompass Insurance Company of America, Essentia Insurance Company, Esurance Insurance Company, Farm Bureau Town & country Insurance Company Of Missouri, Farmers Alliance Mutual Insurance Company, Farmers Insurance Company Inc., Farmers Union Cooperative Insurance Company, Federal Insurance Company, Fidelity & Deposit Company Maryland, Fidelity National Insurance Company, Financial Indemnity Company, Firemans Fund Insurance Company, First Acceptance Insurance Company Inc., First Liberty Insurance Corporation, The, Foremost Insurance Company, Foremost Signature Insurance Company, Garrison Property & Casualty Insurance Company, Gateway Insurance Company, GEICO Casualty Company, GEICO General Insurance Company, GEICO Indemnity Company, General Casualty Company Of Wisconsin, GMAC Insurance Company Online Inc., Government Employees Insurance Company, Great American Alliance Insurance Company, Great American Assurance Company, Great American Insurance Company, Great American Insurance Company of New York, Great Northern Insurance Company, Grinnell Mutual Reinsurance Company, Grinnell Select Insurance Company, Guideone America Insurance Company, Guideone Elite Insurance Company, Guideone Mutual Insurance Company, Guideone Specialty Mutual Insurance Company, Hallmark Insurance Company, Hanover Insurance Company, The, Hartford Accident & Indemnity, Hartford Casualty Insurance Company, Hartford Fire Insurance Company, Hartford Insurance Company of the Midwest, The, Hartford Underwriters Insurance Company, Haulers Insurance Company Inc., Horace Mann Insurance Company, Horace Mann Property & Casualty Insurance Company, IDS Property Casualty Insurance Company, Illinois National Insurance Company, Infinity Assurance Insurance Company, Infinity Auto Insurance Company, Infinity Indemnity Insurance Company, Infinity Insurance Company, Infinity Standard Insurance Company, Insurance Company of the State of Pennsylvania, Insuremax Insurance Company, Integon General Insurance Corporation, Integon Indemnity Corporation, Integon National Insurance Company,  Kemper Independence Insurance Company, Liberty Insurance Corporation, Liberty Mutual Fire Insurance Company, Liberty Mutual Insurance Company, Lyndon Property Insurance Company, Lyndon Southern Insurance Company, Markel American Insurance Company, Massachusetts Bay Insurance Company, Mendota Insurance Company, Meraster Insurance Company, Meridian Security Insurance Company, Meritplan Insurance Company, Metropolitan Casualty Insurance Company, Metropolitan Direct Property & Casualty, Metropolitan General Insurance Company, Metropolitan Group Property & Casualty Insurance Company, MIC General Insurance Company, Mid Century Insurance Company, Middlesex Insurance Company, Midwestern Indemnity Company, The, Millers Classified Insurance Company, Millers First Insurance Company, Motors Insurance Corporation, National General Assurance Company, National General Insurance Company, National Insurance Association, National Interstate Insurance Company, National Surety Corporation, National Union Fire Insurance Company of Pittsburgh, Nationwide Affinity Insurance Company of America, Nationwide Insurance Company of America, Nationwide Mutual Fire Insurance Company, Nationwide Mutual Insurance Company, New South Insurance Company, Northbrook Indemnity Company, Ohio Casualty Insurance Company, Omni Indemnity Company, Omni Insurance Company, Onebeacon Insurance Company, Owners Insurance Company, Pacific Indemnity Company, Pacific Specialty Insurance Company, Peerless Insurance Company, Pennsylvania General Insurance Company, Permanent General Assurance Corporation, Pharmacists Mutual Insurance Company, Philadelphia Indemnity Insurance Company, Phoenix Insurance Company, The, Progressive Casualty Insurance Company, Progressive Classic Insurance Company, Progressive Direct Insurance Company, Progressive Max Insurance Company, Progressive Northwestern Insurance Company, Progressive Preferred Insurance Company, Progressive Specialty Insurance Company, Property & Casualty Insurance Company of Hartford, Response Insurance Company, Response Worldwide Insurance Company, Rockford Mutual Insurance Company, Safe Auto Insurance Company, Safeco Insurance Company of America, Safeco Insurance Company Of Illinois, Safeco National Insurance Company, Sagamore Insurance Company, Secura Insurance A Mutual Company, Secura Supreme Insurance Company, Security National Insurance Company, Sentinel Insurance Company Ltd., Sentry Insurance A Mutual Company, Shelter General Insurance Company, Shelter Mutual Insurance Company, Standard Fire Insurance Company, State Auto National Insurance Company, State Auto Property & Casualty Insurance Company, State Farm Fire & Casualty Company, State Farm Mutual Automobile Insurance Company, Teachers Insurance Company, Tokio Marine & Nichido fire Insurance Company Ltd., Traders Insurance Company, Travco Insurance Company, Travelers Commercial Insurance Company, Travelers Home & Marine Insurance Company, Travelers Indemnity Company, Travelers Indemnity Company Of America, Travelers Personal Insurance Company, Travelers Property Casualty Insurance Company, Trinity Universal Insurance Company, Trinity Universal Insurance Company of Kansas, Triumphe Casualty Company, Trumbull Insurance Company, Twin City Fire Insurance Company, United Fire & Casualty Company, United Services Automobile Association, Unitrin Direct Property & Casualty Company, Unitrin Preferred Insurance Company, Universal Casualty Company, USAA Casualty Insurance Company, USAA General Indemnity Company, Victoria Automobile Insurance Company, Victoria Fire & Casualty Company, Vigilant Insurance Company, Viking Insurance Company of Wisconsin, West American Insurance Company, Western Agricultural Insurance Company, Western General Insurance Company Inc., Workmens Auto Insurance Company, and Young America Insurance Company.

Some things you can do to reduce your premiums are to maintain a clean driving record, and drive 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.  If you have a teenage driver, it may be less expensive to include them on the family policy.  Stress with them the importance of maintaining good grades and a clean driving record as these will help to defray the cost of premiums.  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.