What is it?
An auto insurance policy is a contract between you and an insurance company. You pay a premium and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. We are here to help you determine the best coverage for your needs.
Why do I need it?
When the unexpected happens, the right auto insurance policy can help get you back behind the wheel quickly when your car is damaged or destroyed by an accident, fire, theft, or other events covered by your insurance policy. Your auto policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.
What different types of coverage are there?
1) Liability Coverage
pays for losses you cause to others.
2) No-fault Coverage
pays you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault.
3) Collision Insurance
pays for damages caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car.
4) Comprehensive Insurance
pays for damages done to your vehicle in some other way than a collision, such as theft or vandalism. Acts of nature, such as flood, hurricane, windshield damage or fire are also events usually covered by comprehensive coverage. You will probably need this coverage if your car is financed.
What is a deductible?
A deductible is the amount of money you pay towards repairs before your collision insurance kicks in. The higher your deductible, the less the collision coverage will cost.
We are licensed agents in Missouri and we would be happy to assist you in finding car insurance coverage. We work with many companies so you can have quality coverage at a competitive rate. Every person has unique needs. Call us today for a no cost, no obligation quote on your auto coverage.