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Missouri Auto Insurance Coverages by AIC

Finding the Best Missouri Auto Insurance Coverages

Missouri Auto Insurance | Alternatives Insurance of Chesterfield | (636) 449-1213Missouri Auto Insurance Coverages is insurance for damage to a vehicle(s) and bodily injury resulting from an auto accident. Insurance of this type can cover a variety of instances depending on the kind of auto insurance that has been purchased.  This is why the agents of Alternatives Insurance of Chesterfield are here to help. We understand auto insurance is confusing, and so many of us just ignore it. However, it is not something you can avoid.  Its better to be safe than sorry!  Read more below about the types of Missouri Auto Insurance Coverages and contact us to schedule a free risk analysis of your  current auto insurance policy.  We take your list of needs to the online shopping world of insurance and find you the best lowest rate available in our library of 20+ carriers.

 

Missouri Auto Insurance Coverages – Comprehensive & Collision

Many people refer to Comprehensive and Collision Insurance as “full coverage”.  The correct term is “comprehensive and collision”.  Comprehensive and collision coverages are optional; however, more often they are typically required as part of a car loan or lease agreement.  Think about it — when you cause an accident, what is your first thought after you see the damage done to your vehicle?  If you have liability coverage only, you could be left to pay for your own damages out of your pocket.

Comprehensive Coverage offers protection when an animal my be involved. | Alternatives Insurance of Chesterfield | (636) 449-1213

Comprehensive Insurance Coverages

Comprehensive will help cover costs of damage to your vehicle that result from an event that is not an accident, such as severe weather or fire, theft, vandalism, hail, falling objects, animals or fowl, natural disasters, and all glass breakage.

Collision Insurance Coverage

Collision Coverage pays for damages to your vehicle after colliding with another car or object.  Additional options include Medical payments, Rental car reimbursement, Emergency roadside assistance and more.

Missouri Auto Insurance Coverages – Liability

Liability Coverage protects the other person(s) involved with an accident that is your fault.  Liability coverages include Bodily Injury Per Person, Bodily Injury Per Accident, Property Damage and Uninsured Motorists Coverage.

Let’s say for example, you have 50/100/50.  $50,000 is for Bodily Injury, Per Person.  If you should have an accident and a person was severely injured and incurred $75,000 in medical bills, your insurance will only cover $50,000.  $100,000 covers the Total Bodily Injury Per Accident.  This is used when multiple people are injured in the same accident.  So if you’re involved in an at-fault accident and 5 people are severely injured, your insurance will only pay $100,000 total.

Uninsured/Underinsured Motorist Coverage

This coverage is for bodily injury at the same minimums as those listed for liability coverage. Using the example above, the Uninsured/Underinsured Motorist Coverage would be $50,000. This amount protects you if you’re in a car accident and the other driver is at fault – and that driver has minimum liability limits or doesn’t have car insurance! This coverage also provides insurance for injury-related medical expenses and costs associated with repairing damage to your car.

MISSOURI AUTO INSURANCE COVERAGES | Alternatives Insurance of Chesterfield | (636) 449-1213Medical Coverage

Medical coverage is an important auto insurance coverage. Also known as Med Pay, medical car insurance covers the costs (up to a limit) for injuries that you, or your passengers may have when riding in and while loading or unloading the vehicle.  You and your family may be covered as a pedestrian also.

Personal Injury Protection (PIP)

Personal Injury Protection (PIP) coverage is an extended form of MedPay. PIP may cover expenses that are related to injury, but not necessarily medical, such as lost wages, childcare and funeral costs. PIP coverage is currently required by sixteen states. If you are already insured under a good health insurance policy, then fortunately, you may not need to buy more than the minimum required amount of PIP or MedPay insurance–enough to cover your health insurance deductible or other out-or-pocket expenses such as co-pays.

Missouri Auto Insurance – Optional Coverages

There are many optional auto insurance coverages, and some may qualify you for additional auto insurance discounts.  These coverages include Glass Breakage Coverage, Emergency Roadside Assistance Protection, Rental Reimbursement Coverage and GAP Insurance coverage.

You can learn more about these coverage types, and additional coverages by visiting our Auto Insurance page, and by reading the Bodily Injury and Property Damage Coverage pages in your policy.

MISSOURI AUTO INSURANCE COVERAGES | Alternatives Insurance of Chesterfield | (636) 449-1213The Premium – It’s Not Optional!

All auto insurance policies involve a premium, which is the payment a customer makes to have auto insurance. Premiums for auto insurance can be extremely divergent and are determined by a number of factors. Gender is the major determinant for auto insurance premiums. Statistically, men are 80% more likely to be involved in an accident, and therefore have a greater need for insurance. Auto insurance premiums for men are typically higher than auto insurance premiums for women. Similarly, teenagers are considered high risk and will have to pay higher auto insurance premiums as well. The auto insurance premium can be reduced if the teenager takes a defensive driving course. Many states require teenagers to take defensive driving courses in order to obtain a driving permit and auto insurance.

The Deductible

It is customary for auto insurance plans to have a deductible that the customer is responsible for before the auto insurance provider offers coverage of expenses. Deductibles can have an effect on the coverage available under an auto insurance plan.

Missouri Auto Insurance Coverages – Key Points

You may be asked for proof of insurance at any and all of these times: at vehicle registration, at the time of an accident, and any time when driving the vehicle. It is suggested that the owner of the car keeps proof of insurance in the car at all times, instead of on his or her person, so that it can be available at all times, no matter who is driving.

MISSOURI AUTO INSURANCE COVERAGES | Alternatives Insurance of Chesterfield | (636) 449-1213

You should never drive without Missouri auto insurance.  Any violations of state law regarding auto insurance could result in a hefty fine, suspension of your driver’s license, and possibly time in jail. The dire consequences of driving while uninsured are not worth the neglect of paying for insurance. The chance that an uninsured driver will avoid detection is slim; he is likely to be caught and strictly punished–not to mention and increase in the cost of insurance for 3 to 5 years.

Visit the Missouri Division of Motor Vehicle website to learn more about Missouri Auto Insurance Coverages.

We Can Help!

Alternatives Insurance of Chesterfield agents can help consumers with questions about Missouri Auto Insurance Coverages, to insure consumers understand what coverages may best meet their needs and we shop multiple carriers to get you the best price.  Consumers can get a quick auto insurance quote anytime during regular business hours and have access to professional insurance agents who will help them make an informative decision and avoid potential risks.

To better understand your Missouri Auto Insurance Coverages, our agents take the time to sit down with you and review your existing policy and help you identify risks, or sometimes, if you are over insured.  Yes, some people are paying too much for their auto insurance!

Alternatives Insurance of Chesterfield is a supporting member of the Missouri Association of Insurance Agents and committed to the Trusted Choice Pledge.  The company opened in 2002 as a full service Independent Insurance Agency and proud corporate member of Alternatives Insurance Group, a group membership organization of local St Louis area insurance agencies founded in 1992. The licensed producers have a combined 60+ years of experience and are dedicated to providing every client with products specifically selected to fit their individual needs.

Get a free auto insurance quote by clicking here or calling our office (636) 449-1213.

Where to Learn More About Auto Insurance in Chesterfield MO

Don’t Get Lost In Your Search for Auto Insurance

Where to Learn More About Auto Insurance in Chesterfield MO | Alternatives Insurance® of Chesterfield | (636) 449-1213

Finding the right auto insurance in Missouri can be a daunting task.  We get caught up trying to find where to learn more about auto insurance in Chesterfield MO.  As with most states, in order to register and drive your car in Missouri, the state requires that you have a minimum level of auto insurance coverage.

There are so many resources where to learn more about auto insurance in Chesterfield MO – we understand it can be overwhelming.  When you search “ where to learn more about auto insurance in Chesterfield MO” on the internet, there are about 1,400,000 results!  That’s a lot of information to sift through!  Then you ask yourself, maybe I need to talk with an expert.

When searching where to learn more about auto insurance in Chesterfield MO, State insurance departments are the best sources for company and agent licensing information.  The Missouri Department of Insurance is a valuable resource for consumers.  Here you can find laws & regulations, find forms and find a reputable insurance company.

The Missouri Department of Insurance also offers detailed information about companies regulated by The Missouri Department of Insurance, Financial Institutions and Professional Registration (DIFP).  Here you can also verify that an agent or company is in compliance with running a business and their agents are licensed to sell insurance.  You can also subscribe to DIFP’s newsletter that is chocked full of information for the consumer.

When searching where to learn more about auto insurance in Chesterfield MO, be sure to investigate the company.  Some of the things you should be looking for is how much business the insurance company produced last year and if they’ve had any complaints.  You can also find reviews online when researching on Google and FaceBook.  Check out our reviews!

Don’t waste your time searching, call Alternatives Insurance® of Chesterfield!  We are the best place to learn more about auto insurance in Chesterfield MO.  Our expert agents are here to help you!

Alternatives Insurance® of Chesterfield takes pride knowing our professional staff provides exceptional service and value to our clients.  We combine years of experience,top-rated companies and products to provide you with accurate information while shopping for you. You save time and money and get the best value for your Chesterfield Missouri insurance needs.

Our agents take time with you to help you understand your coverages and potential risks by not having the right coverages.  Look no further, Alternatives Insurance® of Chesterfield is where to learn more about auto insurance in Chesterfield MO.  Contact us today for your free assessment.

 

What Are Auto Insurance Requirements in Chesterfield MO?

Our Agents Help You Understand Missouri Auto Insurance Requirements

What are auto insurance requirements in Chesterfield Missouri     | Alternatives Insurance® of Chesterfield | (636) 449-1213Accidents can be extremely costly, and for those who only purchase the state minimum car insurance limits may be putting themselves in financial jeopardy. What are auto insurance requirements in Chesterfield MO?  If you are not sure, Alternatives Insurance® of Chesterfield agents are here to help.

Missouri law requires that every driver maintains at least the state minimum auto liability insurance coverage to have a reliable method of paying for the costs of damage or injury to another driver after a car accident.

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How to Buy Auto Insurance in Chesterfield Missouri

Quick. Simple. Affordable.

How to buy auto insurance in Chesterfield Missouri   | Alternatives Insurance® of Chesterfield | (636) 449-1213Alternatives Insurance of Chesterfield has simplified how to buy auto insurance in Chesterfield Missouri.  We offer auto insurance quotes from multiple carriers in a matter of a few minutes. With hundreds of auto insurance companies and the many different policies, the best car insurance purchase decision is often made with the help of a local, professional insurance agent.  Our insurance agents at Alternatives Insurance® of Chesterfield are ready to help!  As an Independent Insurance Agency, Alternatives Insurance of Chesterfield represents many of Missouri’s premier personal and commercial insurance companies and our automated system makes shopping for insurance easier for the consumer.

 

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Chesterfield MO Auto Insurance

Chesterfield MO Auto Insurance In A Nutshell

Chesterfield MO Auto Insurance | Alternatives Insurance® of Chesterfield | (636) 449-1213Auto insurance is something that every driver should have. A lot of people simply go and get a quote for the minimum that is required for Chesterfield MO Auto Insurance, and do not really pay attention to the kind of coverage that they are getting. It is important that you recognize the value of the car insurance coverage that you are getting. Alternatives Insurance® of Chesterfield can help you understand how much the right auto insurance coverage can protect you from the financial liability you will have to assume, if you should get into an auto accident. It is important to find out what kind of protection your auto insurance provides, understand your insurance needs, and make sure that the insurance protection you purchase will give you the best insurance coverage at the most affordable rate.

An auto insurance policy is a contract between you and the insurance company.  The contract guarantees that the insurance company will pay up to the covered amount for necessary expenses resulting from named contingencies. Simply put, if you injure another person or damage their vehicle, your car insurance company would pay them up to the maximum amount stated in your contract for medical expenses or repair expenses.

There are many types of coverages available to you in an auto insurance policy.  The following list will help you understand Chesterfield MO Auto Insurance, so you can make the right decision that meets your needs.

 

LIABILITY COVERAGE

Missouri drivers are required to purchase and maintain minimum amounts of liability coverage. Liability insurance coverage is typically a required type of car insurance. Even in the rare state that does not require liability car insurance, you may find that having liability insurance is worth the financial security.

Liability insurance includes 1) Bodily injury coverage, which pays for injuries suffered by others in an accident you caused and 2) Property damage coverage, that pays for damage you cause to another person’s property in an accident.

UNINSURED MOTORIST COVERAGE

Missouri also requires drivers to hold uninsured motorist coverage for bodily injury and property damage.  Liability insurance only pays for bodily injuries or property damage suffered by others when you are at fault in an accident.  Your own injuries or property damage are not covered through liability insurance.  So if your vehicle is damaged and you are injured in an auto accident that is not your fault, the at fault party is responsible for your damages.  If the at fault party has no insurance, then your Uninsured Motorist Coverage will pay for your damages.  In many cases where the at fault party has minimum auto insurance limits, it is not enough to cover all damages, so your Underinsured auto insurance coverage will pay the difference.

MEDICAL CAR INSURANCE COVERAGE

Medical coverage is an important auto insurance coverage. Also known as Med Pay, medical car insurance covers the costs (up to a limit) for injuries that you or  your passengers may have when riding in and while loading or unloading the vehicle.  You and your family may be covered as a pedestrian also.

 

COMPREHENSIVE AND COLLISION INSURANCE

Comprehensive Insurance Coverages, will help pay for repairs to your car when damaged by an event other than a collision.  Although this coverage may vary between insurance companies, it generally covers damages from fire, theft, vandalism, hail, falling objects, animals or fowl, natural disasters, and all glass breakage. Collision Insurance Coverage will help pay for repairs to your car after it has been damaged in a collision–such as hitting another object.

Comprehensive and collision coverages are optional; however, more often they are typically required as part of a car loan or lease agreement.  Think about this – when you cause an accident, what is your first thought?  Of course, its if everyone is okay, but then you see the damage and wonder how you’ll pay for the other driver’s damage. If you have liability coverage, this will may cover all of those costs. However, if you only carry liability insurance, you could be left to pay for your own damages out of your pocket.

Visit this page on our website for more auto insurance information.

Chesterfield MO Auto Insurance Options and Discounts

 

Chesterfield MO Auto Insurance | Alternatives Insurance® of Chesterfield | (636) 449-1213Insurance rates vary by many factors, and we highly recommend you to discuss the options with your Alternatives Insurance® of Chesterfield agent. One of the best ways to pay lower premiums for auto insurance is to take advantage of as many discounts for which you may qualify. For example, there are discounts for safe driving. If you’ve never been in an auto accident or have never been caught with a moving violation, you should qualify for safe driver discounts. Your age can factor in to your auto insurance premiums as well. If you’re between the ages of 16 and 25, you will have to pay higher auto insurance premiums anyway.

There are many optional auto insurance coverages, and some may qualify you for additional auto insurance discounts.  These coverages include Glass Breakage Coverage, Emergency Roadside Assistance, GAP Insurance, and Rental Reimbursement Coverage.

As your life transitions, you should also review your auto insurance coverages. With all the variables in auto insurance rating tiers, you may not be protected properly or have the best price for the coverages you need. You should discuss any life changes with your agent, when any of the following occur. It could cost you more money in the long run, or you could receive substantial discounts.

These types of life changing events include:

  • Changes in your employment
  • Marital status
  • Credit score (good or bad)
  • More than 3 years since a Moving Violation
  • Or recently received a Moving Violation
  • Moved to a New Zip Code
  • Purchased a new home
  • Started a family
  • Changed the Number of vehicles you own

Any of these events can change your insurance rates. You owe it to yourself to purchase the best coverage for the best price. Chesterfield MO Auto Insurance coverages have many components and rates vary from company to company. Sometimes insurance companies have better rates or offers in certain demographics. Just because your current carrier offered the best price 2 years ago doesn’t mean they are still the best buy.

In order to have the best coverage, you will want to talk with one of our experienced auto insurance agents about the types of auto insurance coverages that are right for you. If you don’t get the right coverage, you may be at risk for financial disparity, or you may be paying for coverage you do not need.

Call an agent with Alternatives Insurance® of Chesterfield anytime!  We will shop top rated auto insurance companies and find the coverages you need for the best value!