What’s important to you when searching for car insurance? Great coverage? Affordability? An insurer with a strong reputation? At Awesome Insurance Consultants, we know the things that matter most to our customers when shopping for a new auto insurance policy. As an independent agency, we help Missouri drivers like you find comprehensive protection at affordable rates – all from some of the leading insurers in our great state.
Selecting the Right Coverage Limits
Car insurance is much more than a legal requirement; it’s an opportunity to protect your vehicle, income, and future finances against devastating loss. Opting for only the minimum coverage could leave you with big financial burdens in the event of a collision, injury, or even a lawsuit. There’s the cost of repairing or replacing your car, paying for you and your passengers’ medical bills, finding temporary transportation, and hiring legal representation, as well as the cost of any judgments or penalties levied against you. Could you afford to pay tens or even hundreds of thousands of dollars for those types of expenses out of your own pocket?
At Awesome Insurance Consultants, we help you make sound financial decisions about your car insurance coverage and offer up advice for choosing the right coverage limits. As an independent agency, our goal is to reduce coverage gaps and lower your overall costs both now and in the future.
Types of Missouri Auto Insurance
When you purchase car insurance in Missouri, your policy is likely to include several different types of coverage. The details of these coverages can vary from insurer to insurer and according to your preferences, but it is possible that your policy could include protection for:
Bodily Injury and Property Damage Liability
Car accidents often include more than one vehicle and other objects. If you run your can through a local storefront or injure another driver in an at-fault collision, you will likely be responsible for any ensuing damages, from medical bills, and lost wages to property repairs or replacement. Bodily injury and property damage liability are two different types of coverage that are designed to mitigate your financial risks if you cause an accident while operating your vehicle. We typically recommend choosing high-limit liability coverage, as any excess damages beyond what is covered by your insurance may require out-of-pocket payment.
Collision
Collisions usually leave vehicles badly damaged. The cost of repairing cosmetic damages, replacing damaged parts, and paying for labor charges can add up quickly – usually to thousands of dollars. With collision insurance, you are covered for the cost of repairs to your vehicle or full reimbursement for the total loss of your vehicle when the cost of repairs exceeds the valuation of the car.
Comprehensive
Comprehensive insurance helps pay for physical damages to your car that are caused by non-collision events, such as vandalism, fallen objects, and hail. It can even cover your losses if your vehicle is stolen. Note that claims for both collision and comprehensive are usually subject to your deductible, which can be selected at the time you purchase your policy.
Uninsured/Underinsured Motorist
Driving uninsured is illegal, yet many Missouri motorists violate that law each day. If you are injured by an uninsured driver or are the victim of a hit-and-run, it could be challenging and perhaps even impossible to recover monetary compensation for your losses. With uninsured motorist coverage, you can file claims for you and your passengers’ injuries against your own policy instead. If you are injured by a driver who is insured but has too little coverage to pay for all of your damages, your underinsured motorist protection can help fill in gaps in your claims.
Medical Payments
Car accident injuries often require immediate medical attention. Medical payments coverage is no-fault protection that pays limited benefits for medical expenses that are deemed necessary after a car accident, regardless of who was at fault.
Roadside Assistance and Towing
Most drivers have experienced a mechanical failure, flat tire, dead battery, empty fuel tank, or even keys that are locked inside a car. If you find yourself stranded on the side of the road, your car insurance could cover the cost of calling for roadside assistance or towing services.
Rental Car Coverage
Life doesn’t pause just because your vehicle is damaged in a collision. You still have places to go, and a rental car can help you get there while your car is being repaired. Rental car coverage helps pay for the cost of temporary transportation until you receive compensation for the loss of your vehicle or your damaged car is restored.
Save Money on Missouri Auto Insurance
Why pay more for the insurance you need if quality coverage is available elsewhere at a more affordable price? When you shop with Awesome Insurance Consultants, you have access to quotes from multiple car insurance carriers, all of which are competing to win your business. We help you not only get the right coverage but also an affordable, money-saving policy premium. We can also help you learn about important discounts you may qualify for, such as:
- Claims-free discounts
- Savings for having a clean driving record
- Having low annual mileage averages
- Completing and passing a driver’s safety education course
- Setting up automatic payments or paying premiums in full
- Purchasing home or renters insurance from the same carrier
- Maintaining good grades in high-school and college
- And more
For more information about how an independent agency can help you save money on Missouri car insurance, contact our office to request your free quotes today. We look forward to serving you soon.
