Posts Tagged ‘Shopping’

Learn About Car Insurance in Missouri

October 30th, 2022

Each state,Guest Posting including Missouri, has its own unique set of requirements when it comes to car insurance. If you are close to driving age in Missouri or you’re moving to Missouri from another state it makes sense to learn about these requirements. Once you learn about car insurance in Missouri you’ll find that it has a few similarities and some differences from other states.One of the most important requirements you will want to be aware of is that Missouri requires you to maintain financial liability for your vehicle. Of course, unless you are moving to Missouri from Wisconsin, Florida, or New Hampshire you should already be familiar with the concept of mandatory car insurance. Basically the law in Missouri states that you must always maintain financial responsibility for your vehicle at all times, to insure an injured party is protected.So, what else should you know about car insurance in Missouri? One important fact is that you must provide proof of insurance at all times, including while registering your vehicle with the DMV. Some acceptable proofs of financial responsibility include a current insurance card, a receipt from your insurance carrier showing name and vehicle information, the actual insurance policy, or a self-insured card from the Driver and Vehicle Services Bureau (applicable to dealers). You are considered exempt from providing proof of insurance if your vehicle is an official state, federal, or municipal vehicle or you have a commercial vehicle and a “motor carrier’s” card instead.You should also know that the state of Missouri not only requires you to maintain liability insurance on your vehicle, they also require a minimum amount of insurance you must maintain. All states are different in this regard, so it pays to know the minimum limits for your state. For instance, in Texas the limits are 30/60/30 (liability/property) but in Pennsylvania the limits are 15/30/5 (liability/property). So, as you can see, the required amounts vary greatly.

How to Get Cheap Car Insurance Online in Missouri

April 21st, 2022

Getting cheap car insurance is the goal of most drivers in Missouri. I mean, who wants to pay even a penny more than is necessary for quality car insurance?

Thanks to the internet it is now possible to compare car insurance policies and prices at a number of different insurance companies here in Missouri and find the lowest-price insurance that’s right for your driving needs.

But before you spend your time making comparisons it might be a good idea to know what steps you can take to reduce your insurance rate right off the top. In that way the final rate your comparison shopping reveals to you actually will be the lowest rate you can reasonable hope to find.

Let’s start with your driving record. Whatever you do, do not drink and drive or drive while impaired in any way. If you are caught and convicted your car insurance premiums will skyrocket and remain high for several years. Likewise, a speeding ticket will also cause your rates to rise.

If you’re young, stay in school and keep your grades up. A “B” average qualifies most young drivers for a Good Student Discount.

If you’re older ask your insurance agent if you can sign up for a special driver’s program that will result in a savings on your monthly car insurance premium.

If you have multiple insurance policies, such as a homeowner’s policy or a health insurance policy, consider getting your car insurance policy from the same company – most Missouri insurance companies have a special discount for multi-policy holders.

Only carry the insurance coverage that you actually need. If you own a newer car – especially one that being financed – you may not have a lot of leeway in the kinds or amounts of coverage you need to have, but if you drive an older car, especially one with little or no Blue Book value then you might consider dropping or reducing some of your coverage, especially comprehensive.

Your deductible is the area where you can probably make the most headway on reducing your can insurance premiums in Missouri. A deductible is simply the money that you will pay in case of a claim before you ask your insurance company to pay anything. The more you are willing to pay for each claim – in other words, the higher your deductible – then the less you will be asked to pay for your insurance each month.

Now that you have a better idea of the types of things that affect the cost of your car insurance, it’s now time to get cheap car insurance online here in Missouri. You’ll find several websites willing to let your compare prices among different insurance companies, but keep in mind that no one website compares every insurance company, so if you want to compare the largest number of companies possible and increase your chances for finding the truly best and cheapest car insurance online, you’ll have to make your comparisons on more than one website.

It can be a bit work getting cheap car insurance online, but it’s not nearly as much work as it used to be and the bottom line is that you can feel confident that you now have the best and the cheapest car insurance that you’re ever likely to find in Missouri.