Auto Insurance
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Auto Insurance Information
Understanding the specific auto insurance requirements and options available can help you make informed decisions about your coverage. Missouri law mandates that all drivers be able to prove financial responsibility in case they cause an accident while driving. Most drivers do this by purchasing the state’s minimum required amount of auto liability insurance. The required coverages include:
- Bodily injury liability may help cover third-party medical expenses if you are at fault in an accident.
- Property damage liability may help cover the cost of repairing or replacing the other party’s vehicle or property if you are at fault in an accident.
- Uninsured motorist coverage may help provide financial protection if you are involved in an accident with an uninsured driver.
While the state minimums provide a basic level of protection, many drivers opt for additional coverages to enhance their financial security, including comprehensive and collision coverage. If you finance or lease a vehicle, your lienholder can require full coverage insurance, which may also include gap coverage.
How Much Does Auto Insurance Cost?
Several factors can influence the cost of your auto insurance premiums, including the following:
- Driving record—A clean driving record can help lower your premiums, while accidents and violations can increase them.
- Vehicle type—The make, model and age of your vehicle can impact your insurance costs. Newer and more expensive cars typically cost more to insure.
- Location—Where you live can affect your premiums. Urban areas with higher traffic and crime rates may incur higher insurance costs.
- Credit score—Insurance companies often use credit scores to help determine premiums. A higher credit score can trigger lower rates.
- Coverage limits and deductibles—Choosing higher coverage limits and lower deductibles can increase your premiums, but it may also provide better financial protection.
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Contact Us
Contact Walnut Risk Management in Kansas City, Missouri, for an auto insurance quote.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.
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