Auto Insurance Quotes Missouri – O’Neal & Associates Insurance
Missouri Car Insurance
Because of its location near the heart of the United States, and as a home to two major metropolitan areas, Missouri is a crossroads for both interstate commerce and regular traffic. All drivers have to take responsibility for both their own safety and the safety of those around them on the road. Still, though you cannot prevent every accident, you can be prepared to respond to them by having proper auto insurance in place.
Car insurance is mandatory for all Missouri drivers, but it’s not meant to be a burden. It’s an asset to any driver who might worry about how they will afford the ramifications of wrecks, accident lawsuits and other vehicle problems. Let O’Neal & Associates Insurance help you get the benefits you deserve.
The Importance of Auto Insurance for Missourians
Driving is dangerous, no matter which way you cut it. There’s always a chance that something could go wrong with your vehicle, even when you are parked in your own driveway. In any case, the ramifications’vehicle damage, injuries, third-party restitution’could be extremely expensive.
Car insurance is designed to help you not have to bear the full cost of recovery on your own. It will provide a financial settlement in case of unexpected, unavoidable vehicle problems, which can go a long way to helping you move on from these challenges.
Your Coverage Requirements
Missouri uses an at-fault insurance system, which means that drivers who cause accidents must bear the cost of not only their own losses, but also the cost of harm they caused others (other drivers, property owners, pedestrians, etc.)
As a result, all Missouri drivers are required, by law, to carry three types of auto insurance:
- Bodily injury (BI) liability coverage: This coverage pays for third-party medical bills sustained in an accident. Coverage also often provides a death benefit in case of fatal accidents.
- Property damage (PD) liability insurance: PDL coverage will pay for damage you cause to others’ property. For example, if you hit their car, coverage can pay for the vehicle’s repairs.
- Uninsured motorist (UM) coverage: This coverage is for your own protection. If another driver who does not have liability insurance damages your vehicle or causes your harm, then this coverage can pay for your own recovery costs.
All policies issued must have at least the following coverage limits:
- $25,000 BI coverage per person
- $50,000 BI coverage total per accident
- $10,000 PD insurance per accident
- $25,000 UM bodily injury coverage per person
- $50,000 UM bodily injury coverage per accident
These are just the minimum coverage limits needed, and most people carry well over $100,000 in bodily injury coverage. Let us help you settle on higher limits that will give you more security, but remain affordable nonetheless.
Expanding Your Coverage
Car insurance is a lot bigger than just liability and uninsured motorist insurance. Numerous optional benefits can provide you with much more expansive protection when you need it. Consider buying:
- Collision Insurance: This policy will pay for damage to your own vehicle after a wreck.
- Comprehensive Insurance: Non-accident hazards might damage your car. This coverage will pay for such losses. Generally, your policy can pay for damage from fire, weather, theft vandalism and related occurrences.
- Personal Injury Protection (PIP): If you get hurt in a wreck, PIP coverage can help you pay for your own medical bills. Coverage might also cover lost wages, and even death benefits in certain cases. Sometimes, you can extend protection to both yourself and your passengers.
Other coverage might help you pay for roadside assistance, towing, glass insurance and rental car costs. Ask your agent how to add these protective elements to your coverage.
We Insure High-Risk Drivers
If you are at a higher risk of filing claims or being an exceptional cost burden to your insurer, then you might be classified as a high-risk driver. You might receive this designation by:
- Driving without a valid license
- Driving without insurance
- Committing multiple traffic offenses
- Causing at-fault wrecks
- Filing numerous claims on your auto policy
As a result of your high-risk designation, you might face higher premiums, termination of your coverage, or an inability to renew your policy after your term expires. Still, since you have to carry coverage, you shouldn’t have to face uphill battles to get it.
At O’Neal & Associates Insurance, we understand how it might feel to struggle to get affordable coverage. We’ll help you get covered without having to pay exorbitant prices for your auto insurance.
Here When You Need Us
Don’t hesitate to get a quote on a personalized auto insurance policy right now! Contact us at 855-218-6308 or request an online quote right now!