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Car Insurance: Everything You Need To Know

An auto insurance policy is an agreement between an insurance company (insurance provider) and a customer (policy holder). The policy holder will pay a fee, or a premium, and the insurance provider will cover the costs of any car-related accidents covered under the terms of the insurance policy. Here are some questions some might have regarding auto insurance.

Is Auto Insurance Really Necessary?

Yes. In fact, in some states, it is illegal not to have any coverage. Many state governments will also allow someone with proven finances to cover payment in case of an auto accident for which they are liable, but most people don't have that kind of money. Auto insurance is protection against sudden a financial hardship caused by a car accident. Even if it isn't required by law, it is still highly recommended, since a good insurance policy will pay the costs of a hospital stay, therapy, and even loss of income, when such is necessary.

Who Is Covered By Auto Insurance?

When the policy is being formed, it includes a list of drivers who will receive coverage for a specific vehicle. It usually includes the main policy holder, the policy holder's spouse, and any other family members of legal driving age in the household, but it can include others who will use the vehicle as well.

What Falls Under Auto Insurance Coverage?

Most states require a driver to have a certain minimal amount of liability insurance. Required liability insurance generally only applies to damages or injuries caused to others, but that is not enough for effective coverage. Different drivers have different needs in Missouri and there is probably a good policy for each one of them. Following are a few other things insurance might cover:

•  The car of the policy holder: It doesn't have to be a single car. Many policy holders have more than one car on the policy. The vehicle can be insured not only against liability but against collision, regardless of fault. There is coverage for vandalism, or such ‘acts of God' like extreme weather or falling objects.

•  The policy holder or the policy holder's passengers: The people inside the car can be covered under the insurance policy as well, so their medical costs can be paid in case of an accident, up to the agreed-upon amount in the insurance policy.

•  The policy holder, the passengers, and the car against uninsured or underinsured drivers: This merely covers the costs of being hit by a driver without adequate insurance.

What Causes Changes In The Auto Insurance Premium?

Policy rates are affected by a number of factors, including place of residence, the type of car under the policy, and any safety features the vehicle may have. Previous driving record is almost always a factor, as is age. Older drivers receive a reduced cost, as they tend to be more careful than younger drivers.

Free Auto Insurance Quotes in Missouri

Adair County
Grundy County
Pemiscot County
Andrew County
Harrison County
Perry County
Atchison County
Henry County
Pettis County
Audrain County
Hickory County
Phelps County
Barry County
Holt County
Pike County
Barton County
Howard County
Platte County
Bates County
Howell County
Polk County
Benton County
Iron County
Pulaski County
Bollinger County
Jackson County
Putnam County
Boone County
Jasper County
Ralls County
Buchanan County
Jefferson County
Randolph County
Butler County
Johnson County
Ray County
Caldwell County
Knox County
Reynolds County
Callaway County
Laclede County
Ripley County
Camden County
Lafayette County
Saint Charles County
Cape Girardeau County
Lawrence County
Saint Clair County
Carroll County
Lewis County
Saint Francois County
Carter County
Lincoln County
Saint Louis County
Cass County
Linn County
Saint Louis City County
Cedar County
Livingston County
Sainte Genevieve County
Chariton County
Macon County
Saline County
Christian County
Madison County
Schuyler County
Clark County
Maries County
Scotland County
Clay County
Marion County
Scott County
Clinton County
Mcdonald County
Shannon County
Cole County
Mercer County
Shelby County
Cooper County
Miller County
Stoddard County
Crawford County
Mississippi County
Stone County
Dade County
Moniteau County
Sullivan County
Dallas County
Monroe County
Taney County
Daviess County
Montgomery County
Texas County
Dekalb County
Morgan County
Vernon County
Dent County
New Madrid County
Warren County
Douglas County
Newton County
Washington County
Dunklin County
Nodaway County
Wayne County
Franklin County
Oregon County
Webster County
Gasconade County
Osage County
Worth County
Gentry County
Ozark County
Wright County
Greene County

Major Cities in Missouri

Branson
Jefferson City
Saint Louis
Independence
Kansas City
Springfield


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