Chesterfield Insurance -- Big City Living, Small Town Prices

As a suburb of St Louis, Chesterfield offers the best of both worlds, small town living with big city amenities nearby. Just like their hometown, residents want value and convenience when searching for Missouri insurance quotes. Chesterfield insurance quotes are available from a number of different sources, but wading through all of the choices can be time consuming and frustrating. NetQuote is here to help you get familiar with the basics so you can spend less time shopping for insurance and more time having fun with your friends and family.

Everything You Need to Know About Car Insurance

Chesterfield insurance requirements are the same as the rest of the state. All residents must carry a minimum of $25,000 per person bodily injury, $50,000 per accident bodily injury, and $10,000 of liability coverage for property. Drivers must also have $25,000 in uninsured motorist coverage. Missouri ranks 10th in the country for vehicle theft, which means you may be paying higher than average premiums depending on where you live. Luckily, Chesterfield insurance quotes usually come in lower as the vehicle theft rate in the Chesterfield area is well below the state average.

As of March 2010, the average Missouri auto insurance premium was $1009, a 4.9% decrease from 2009. One way to lower your premiums even more is to install an alarm or LoJack system. Insurance companies like vehicles that are hard to steal. You can use the extra savings to take in a St. Louis Bandits hockey game or treat the family to an afternoon of water park fun at the Family Aquatic Center.

Chesterfield Insurance for Homeowners

Protecting your home from damage or destruction is one of the most important things you can do. Missouri sits in tornado alley, so having adequate insurance coverage for both your home and possessions can be a lifesaver. There are seven basic types of homeowner's insurance coverage in Missouri. While HO-3 is the most common and comprehensive plan, it's worth considering the other plans offered if you only need limited coverage.

When soliciting Chesterfield insurance quotes, make sure they include flood insurance, especially if your house is located in the sections of Chesterfield that are in the floodplain of the Missouri river. While the levees were rebuilt higher after the flood of 1993, flood insurance is still a must have if your home is located in a flood prone area.

Comparing Quotes is Easy

Shopping for new insurance can be difficult as well as time consuming. Doing the research and getting as many quotes as possible can help you save hundreds of dollars per year. How you shop for insurance will depend on your personal preferences, but one of the easiest ways to get the best Chesterfield insurance quotes is simply filling in a request form on NetQuote. Once the form is submitted, you will receive insurance quotes from several of the largest and most reputable insurance companies in the nation. You can then take your time to review them in the comfort of your own home before deciding which one is the best fit for you and your family.