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Missouri Auto Insurance - Know Coverage and Discounts Available

No matter what background you come from, we can offer you the most affordable car insurance in Missouri to suit all your needs, requirements and situation. Even the individuals that have never been insured anytime before, that have less than perfect/bad driving records, or had auto insurance policy revoked can be assured of getting qualified for the most affordable auto insurance in Missouri. Click here to learn the basics for finding affordable car insurance in Missouri »

Grab the discounts offered by Car insurance companies in Missouri and Save Big!

Several types of auto insurance discounts are being offered to the Missouri drivers. You must ensure that you take full advantage of the discount that you deserve. Following are some of the discounts that Missouri auto insurance companies offer:

  • 1. Discount for Good Students:The full time students within the age range of 16 to 24 can qualify for 5% discounts if they meet the satisfy specific grade point requirement.
  • 2. New Vehicle discount:Discounts are applied to the vehicle models that fall within recent 5 years.
  • 3. Home owner discount:Special auto insurance discounts are offered to the home owners.
  • 4. Multiple vehicle discounts:You could qualify for a discount if you insure multiple vehicles under one policy.
  • 5. Discount for Clean Driving Record:You could qualify for Missouri auto insurance discount if you have accident free driving record since past 5 or more years.

Missouri No Fault Car Insurance Rules

As per the law of Missouri State, auto owners are supposed to have minimum auto insurance coverage in Missouri that provides the following coverage, at minimum:

  • $25,000/ person for bodily injuries caused in an auto accident
  • $50,000 /accident for bodily injuries, when more than one person is hurt
  • $10,000/accident for property damage

Bodily injury pays for injuries suffered from an auto accident where the driver of the insured vehicle was at fault, while property damage covers the expenses for any resulting damage to the personal or real property. It won’t cover expenses for the damage of the insurer’s own automobile. In order to cover the expenses of the damage caused to your own vehicle, you would require opting for repair replacement coverage. Though, this is not required in Missouri.

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Minimum Car Insurance Missouri Requirements

As per the law in Missouri, every auto driver or auto owner is required to have some kind of minimum liability car insurance coverage. Anyone who registers an automobile must maintain a liability auto insurance. Below given are the Missouri auto insurance requirements

Want to find the Cheapest Auto insurance in Missouri?

Missouri car insurance rates vary depending upon the type of vehicle that you drive, you driving records and the coverage amount that you choose. The most significant way to find cheap auto insurance in Missouri is determining the exact coverage requirement that you would need.

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Factors affecting the Missouri Auto Insurance Rating

Below given are the factors that can affect your auto insurance rates in Missouri:

  • Year, make and model of your car.
  • Your age, gender, and marital status
  • Type of Coverage you opt for
  • Where the car is actually garaged
  • Driving record and claims history
  • Credit score
  • Missouri car insurance discounts you deserve or might qualify for

Auto insurance companies in Missouri use “Fault Auto Insurance System”

Like most other states in US, Missouri also uses a “Fault” auto insurance system when it comes to maintaining financial responsibility for losses or injuries due to an auto accident. Insurer can file a claim when he meets with an auto accident or he can also file a lawsuit against the “one at fault” in the court.

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