Missouri Car Insurance
With an increasingly competitive market for car insurance, finding the right Missouri car insurance policy can be overwhelming.
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Getting to Know Missouri Car Insurance
What will Missouri car insurance do for me?
A Missouri car insurance policy will protect you from monetary loss in the event of an accident. Your car insurance policy is also an agreement between you and your company which affirms that in exchange for paying the premiums, the insurance company will cover any losses—as outlined in your policy.
Can I drive my car without Missouri car insurance?
No.
Missouri law requires all drivers to carry liability insurance. Motorists caught without proof of Missouri car insurance will lose their license and registration for six months. Furthermore, Missouri's Motor Vehicle Financial Responsibility Law requires you to pay for another person's injuries or damages in the event of an accident. Failure to pay yields punishment ranging from loss of driver's license to a criminal conviction and jail time.
What kinds of Missouri car insurance are available to me?
While liability insurance is the most common type of coverage in Missouri, you may also insure your vehicle against theft, or physical damage caused by collision, fire or hail.
How do I know how much coverage I need?
Before buying your Missouri car insurance, ask yourself the following questions:
- How much property can I afford to lose if it is stolen or damaged?
- How much would it cost to replace my damaged or stolen property?
- If I was sued by someone who was injured because of my misconduct, how would I pay court costs and damage awards?
It is important to consider that injured motorists can sue for more than your policy covers. You may want to think about purchasing higher limits of coverage.
In what ways can I save money on Missouri car insurance?
Your Missouri car insurance rates will be determined by such factors as credit history, age and type of car you drive and your driving record. The Insurance Information Institute offers these additional tips for saving money on Missouri car insurance:
- Ask about discounts — You will find that many companies offer discounted rates to "good students" and also to those who have purchased another form of insurance (homeowner's, for example) through the same company.
- Check special prices for group policies.
- Increase your deductible.
- Insure all cars with the same Missouri insurance company.
In addition, you will want to notify your agent of such changes as selling a car, drastically cutting down your mileage, getting married, or turning 21, 25 or 29.
These changes may lower your premium, so alert your agent to see if any adjustments can be made.
I'm renting a car. Does my Missouri car insurance policy cover me?
In most cases, the coverage you have taken out on your own car will apply to a rental car. This means if you don't have collision insurance on your vehicle, your rental car will not be covered if damaged in an accident. Make sure you contact your agent to inquire about any rules or stipulations.
If, for some reason, your Missouri car insurance policy does not cover your rental car, check with your credit card company. They may provide varying levels of coverage.
If you do not have any Missouri car insurance, you will need to buy insurance at the time of rental. The rental company will have different types of coverage for you to purchase, including liability insurance, personal accident insurance and personal effects coverage. Rates vary so shop around before selecting a rental car company.
For more information, please check out our article Rental Car Insurance—Do You Really Need It?
What if I still have questions?
The Missouri State Department of Insurance has an abundance of information; you can contact them at (573) 751-4126, or visit their website at www.insurance.state.mo.us.
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