Jefferson City Insurance 101
You’d probably rather be throwing one back at Prison Brews or enjoying the scenery on Katy Trail–anything but shopping for insurance. Hey, at least you’ve come to the right place. Getting Jefferson City insurance quotes doesn’t have to be hard. Armed with a little knowledge, you’ll be able to shop smartly and confidently. Now let’s get down to business.
We’ll Show You–Auto Insurance
There are more Jefferson City insurance scenarios than there are Missouri BBQ recipes. So let’s start with basic Missouri auto insurance coverage. “Show Me you’re financially responsible” the folks in the capital tell you. That means you must carry a minimum amount of liability insurance. Missouri law says that must be:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $10,000 per accident for property
Oh and just in case that Illinois driver you collide with doesn’t have insurance–the scoundrel–and you’re the one who is injured, you’ll need coverage for that: $25,000 per injury and $50,000 per injury per accident.
These numbers translate to an average yearly premium of $658–not bad when you consider that Missourians pay less than 75% of the country.
Jefferson City Insurance Factors
The good news about shopping for Jefferson City insurance quotes is that as a resident of the city, the numbers that decide risk and thus your premium are on your side at least compared to Missouri’s larger cities. For example, in 2008 in Jefferson City, there were only about 1,300 accidents compared to the 17,000 that occurred in Kansas City. And take vehicle theft. There were over 3,000 cars stolen in St. Louis in 2008; in Jefferson City, just 49.
If you want to have even more on your side when shopping for Jefferson City insurance quotes, consider a few other variables that may affect your rate:
- Does your car have anti-lock brakes?
- Does it have daytime running lights?
- Does it have an anti-theft system?
If you’re simultaneously shopping for auto insurance and a car, consider these factors and others like how frequently a make and model are stolen. In Missouri, a 2004 Ford F150 is #2 on the list of most stolen. Also, make sure you know what’s on your credit report. Insurers are able to use this as a basis for setting the amount you’ll pay as well as how you’ll pay (prepay, monthly, etc.).
Now that you’re a little more educated about some aspects of car insurance, shopping for Jefferson City insurance quotes will be a breeze, especially with a company like NetQuote alongside you. It’s amazingly easy to find Missouri insurance quotes and gives you another decision-making tool to add to your toolbox. So let’s get started now!