If you drive a car on Missouri's public roads, you need car insurance. Period. If you are caught driving in Missouri without car insurance, the penalties are so bad that you shouldn't even think about it.
You don't have to, either. There are ways to lower the cost of your car insurance in Missouri so that you can afford to drive.
Start by being smart and defensive when you drive. If you are caught speeding or driving while drunk or high, your car insurance rates could go up by more than double. And that doesn't even take into account the legal consequences of speeding or drinking and driving.
Please buckle up. Your car insurance rates can go up if you get a ticket for not wearing your seatbelt.
If you are in school, stay there and do well so that your car insurance company will give you a discount for being a good student. If you are 55 years old or older, ask your car insurance company if drivers who take and pass a driver's review programme can get a discount.
If you have more than one car, make sure to get insurance from the same company for all of them. Also, if you have other types of insurance, like health insurance or homeowner's insurance, make sure they are all with the same company. You can often get a big discount if you have more than one policy with the same company.
Ask about a good-driver discount if you haven't had an accident or a claim for at least 3 years.
Check to see if there is a limited-use discount for you if you drive less than 12,000 miles per year.
Depending on how old and how well your car is, as well as whether or not it still has any Blue Book value, you might want to think about dropping comprehensive coverage. This will save you money, but if your car gets into an accident, you'll have to pay for any repairs.
Think about how much you can afford to pay for a deductible. Before you can ask your insurance company to pay anything, you will have to pay the deductible. The higher your deductible, the less you'll pay for car insurance.
Now is the time to go online and look at as many different car insurance companies' plans and prices as you can. To do this, you'll need to fill out the form on at least three different websites because no one site compares the prices of all Missouri car insurance companies.
It can be a bit of work and take some time, but once you've done all the research and found the best rates on car insurance in Missouri, you'll be laughing all the way to the bank for years to come.
