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Auto Insurance in Missouri

Missouri is one of many states that are requiring higher insurance limits for motorists to alleviate lawsuits and other legal complications that arise from accidents where under-insured motorists are involved. According to the financial responsibility law, auto insurance in Missouri is required in the following amounts:

•     Liability Coverage
  •     $25,000 per person for injury coverage
  •     $30,000 per accident for injury coverage
  •     $10,000 property damage liability coverage
•     Uninsured Motorist Coverage
  •     Limits equal to Liability Coverage limits

Missouri auto insurance companies determine your individual rates based on a variety of factors, including: driving record, personal statistics (age, gender, marital status), vehicle being insured, credit rating, and the amount of coverage desired. The factors will determine your risk level, and your rates will be determined on the amount of risk you present to the insurance company. The higher your risk, the higher your premiums, and vice versa.

To save money on auto insurance in Missouri, you can shop around and compare quotes and different coverage amounts to find the policy that works for you. Additionally, you can check into discounts that might be available to you, including:

•     Good driver discounts
•     Good student discounts
•     Multiple vehicle discounts
•     Multiple policy discounts
•     Vehicle safety discounts (for things like airbags and anti-theft systems)

Keeping these things in mind will help you to find affordable auto insurance in Missouri, as long as you're willing to invest the time and effort into your auto insurance search.