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Car Insurance

Suppose you have a car accident and you hurt someone or damage your car. If you are found legally responsible, you may have to pay for the other person’s injuries and damages. If you can’t pay, you can lose your driving privileges —or even risk time in jail. Most Missourians rely on car insurance to prove they are financial responsible. Car insurance protects you from paying a large amount of money at the time of an accident if the accident is your fault. Besides car insurance, you also may want to consider insuring against theft or physical damage to your car caused by collision, fire, theft, windstorm or hail.

When deciding to buy car insurance you should ask yourself these questions:

How much of my property can I afford to lose if it is damaged or stolen? What property could be damaged or stolen and how much does it cost to replace? If I am sued by someone who suffered injuries because of my carelessness, how would I pay the legal costs and possible damage awards? Read this car insurance guide carefully to learn how you can protect yourself against these and other risks. Don’t rush into purchasing car insurance coverage.

Used Car Insurance

Drive safely. Nothing affects your car insurance rates more than your driving record. Every time you are responsible for an accident or receive a moving traffic violation you risk having your car insurance premium raised or your policy cancelled.

Shop around for car insurance. Consumers can increase their odds of getting the best car insurance deal by getting information about rates, coverage, and service from a number of car insurance companies and agents. A few phone calls may save you $50 to $100. The Internet can provide easily accessible car insurance quotes on your car from several companies and contact numbers for local agents.

Increase car insurance deductibles. Your car insurance rates will decrease as you raise the deductible amounts on your policy. A deductible is the amount of any loss you must pay before the car insurance company will cover damages. For example, if you have a deductible of $100 on your car insurance policy and have $1,000 worth of damage, you pay the first $100 and the insurance company pays $900. Deductibles are not available on liability coverage.

Credit Scores. Most car insurance companies have begun to use your credit history along with accidents, violations, age and location, to determine your premiums. Obtain a copy of your credit report and verify that the information is accurate. Bankruptcies, judgments, liens, late pays and credit inquiries will cause your "credit score" to decrease and your premiums to increase. The department’s Internet site shows how large car insurance companies handle credit scores on auto policies.

Take advantage of car insurance discounts. Some companies offer “good student” discounts to young drivers with good academic records. Others offer car insurance discounts for insuring two or more cars, buying both auto and homeowners coverage or special features that lower accident risk. Don’t wait for your car insurance agent to offer a discount; ask for them.

However, don’t automatically assume that just because you get a car insurance discount the rate is a good one. In some cases a company’s rates without a discount can be lower than those of other companies that offer discounts. Shop around. Compare car insurance rates.

Financing your car insurance premium. Try to pay for your car insurance for the full policy period. Some companies have a monthly, quarterly or semi-annual installment payment plans at an extra cost. However, car insurance costs are sometimes financed by outside sources; charges can sometimes be very expensive. Check closely into the added cost of any premium financing plan.

Consider car insurance costs when you buy a car. Car insurance costs go up if you buy a high-performance, or more expensive automobile. Talk to agents about the cost of insurance before you buy. Reduce or eliminate collision and/or comprehensive coverage on an old car. The amount you may pay in car insurance premiums may equal the cash value of your automobile. Get car insurance coverage for all of your cars from the same company.

Notify your agent if you:

Substantially cut down on your annual mileage.
Move to a different neighborhood, town, or state.
Sell a car.
Cut down on the number of drivers in the household.
Marry.
Turn 21, 25, or 29.

These changes in circumstances may lower your car insurance premium . Try not to buy car insurance and health/accident insurance that pay for the same things. Compare your policies and consult with your agent or broker before purchasing additional coverage. Group car insurance. Some associations, organizations, or employee groups have insurance plans available to members to purchase car insurance through special arrangements with insurance companies.

In some cases, the car insurance company may automatically accept all group members for insurance or only those members meeting their requirements. Find out first! Group arrangements for car insurance may save you money; however, they may not always do so. Look into the cost of purchasing car insurance coverage individually. A licensed agent or broker can help you purchase car insurance coverage. They can inform you about the types of policies available and how you can best protect yourself. They should assist you in filing claims and making sure your car insurance claims are settled promptly and fairly.

Agents and brokers must be licensed by the respective state's Department of Insurance. Their car insurance license is proof they have passed state examinations that require a thorough understanding of insurance policies and practices. Always be sure that you are doing business with a licensed car insurance agent or broker.

A responsible agent or broker will:

Take time to clearly explain your policies and coverage.
Review your car insurance needs annually to see that your policies are adjusted to changing circumstances.
Examine your overall car insurance picture when you are considering additional coverage.
Explain how your premium rates are determined, and suggest ways you can save money on your car insurance.
Select your agent or broker with care. Choose an agent in whom you have confidence. Obtain help from people with experience in dealing with car insurance.
A good way to locate an car insurance agent or broker is by referral from satisfied relatives and friends. Talk to agents and brokers from several car insurance companies to learn about and compare the services they offer.

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