Show Me the Information: A Primer for Missouri Insurance
In the Show-Me State, residents know a good deal when they see one. The problem? These days, so many companies are competing for your business that it’s difficult to know exactly which deal is best. From Kansas City to St. Louis, hundreds of companies now offer Missouri insurance quotes, for home, auto, health, life, business and more. Trying to compare them all can make you want to call it a week and retreat into the Ozarks for some peace and quiet.
The Road to Car Insurance
Missouri auto insurance is lot like embarking on a frontier trail if you don’t know all the facts and figures. The things that determine your Missouri insurance quotes start at a basic point: the state minimum. Every resident in the Gateway to the West must have 25/50/10 in liability coverage, or $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 per accident for property. And you’re also required to have uninsured motorist coverage of $25,000 for bodily injury per person and $50,000 for bodily injury per accident. Within these minimums, you can find ways to lower your costs. Take a defensive driving course. Lower your annual mileage by carpooling. The average annual premium in 2009 was just over $1,600, but there’s a good chance that, like the state, your Missouri insurance quotes will be far from ordinary.
Safe at Home
When you kick back on a Sunday afternoon to watch the St. Louis Cardinals chasing a pennant, you don’t want to get distracted by worries about your home, and whether your family has been adequately protected. Finding the Missouri homeowners insurance quotes that best suit your needs involves a lot of research. Should you choose an HO-2, the homeowners broad form in Missouri, which covers the dwelling against such things as fire, wind damage, and theft? Or should you opt for an HO-8, which is more expensive but offers cash value for the building and its contents? Do you have a coin collection? If so, you may need to add a personal article floater. One key factor in determining the cost of home insurance in Missouri is fire protection. This refers to the distance of your house from both the nearest fire station and nearest fire hydrant. The great unknown, though, is just how much value each insurance company places on fire protection. The only way to know if Insurer A will give you a better deal on your fire protection rating than Insurer B is to shop around.
Take the Pony Express
It’s important to keep in mind one thing that has proven harmful to Missouri residents in the past: according to state law, your insurer only has to give you 30 days notice on your renewal. Given the number of insurers, and the balance of cost versus adequate protection, this is not much time to properly assess your options. That’s why it’s convenient to use a free service like NetQuote to do your comparison shopping. Whether you’re looking for auto insurance, home insurance, or various other policies, you can enter your information one time and then find all the Missouri insurance quotes out there. If you live in Columbia, where there are less than 10% the number of car thefts as in Kansas City, a car alarm may not lower your premium as much as you hope. But there’s always an insurer who will place more value on that, as well as on features like anti-lock brakes. With easier comparison shopping, you’ll have more time to introduce your kids to “Huckleberry Finn.” Or maybe even head to the Hermann Wine Trail on the weekend.
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