If you drive a motor vehicle on the public streets of Missouri, then you need auto insurance. Period. If you are caught driving without car insurance in Missouri, the penalties are severe, too severe for you to even consider.
And you don’t have to. There are ways to lower your auto insurance rates to the point where you can afford to drive in Missouri.
Start by driving defensively and sensibly. Speeding or drunk driving or drunk driving convictions will cause your auto insurance rates to double in some cases. And that doesn’t take into account the legal consequences of such actions: don’t speed and don’t drink and drive.
Wear your seat belts. A ticket for not wearing a seat belt can also increase your auto insurance premiums.
If you’re in school, stay there and keep your grades up so you qualify for the Good Student discounts offered by your auto insurance company. If you’re 55 or older, ask if your auto insurance company offers a discount for drivers who take (and pass) a driver review program.
If you have more than one car, be sure to insure them all with the same company. Similarly, if you have other insurance policies, such as health insurance or homeowners insurance, make sure they are also carried by the same company; you often get a substantial discount for multiple policies.
If you have gone at least 3 years without an accident or claim, ask if there is a good driver discount.
If you drive less than 12,000 miles per year, check to see if there is a limited use discount that applies to you.
Depending on the age and condition of your car, and whether your car still has any Blue Book value, you may want to consider dropping comprehensive coverage. This will save you money, but you will have to pay for repairs to your car in the event of an accident.
Realistically determine how large a deductible you can afford. The deductible is the amount you will pay for any claim before asking your insurance company to pay anything. The higher your deductible, the lower your car insurance premium will be.
Now is the time to go online and compare auto insurance policies and prices from as many different auto insurance companies as possible. To do this, you will need to enter all of your information into the form on at least 3 different websites, since no website compares prices for all auto insurance companies in Missouri.
It might be a bit of work and take a bit of time, but once you’ve done all the comparison shopping and found the best car insurance rates in Missouri, you’ll be laughing all the way to the bank for years to come. .