Cheap Minimum Liability Auto Insurance In Missouri

Reader’s Question:

What is the required minimum coverage of a liability auto insurance policy in Missouri?

Ken

Kansas City, MO

The state of Missouri requires its drivers to possess proof of financial obligation or insurance. If you carry auto insurance in Missouri, you need to ensure that you carry liability policy and the uninsured motorist policy, which is required to all drivers.Liability policy offers payments to the damages and injuries incurred by the victim where the insured is at-fault. The state of Missouri required the MO drivers a minimum liability policy of 25/50/10. The car insurance company will give a sum of $25,000 because of the injuries incurred by a single occupant while $50,000 will be paid as the combined medical expenses of multiple occupants. If the accident resulted to property damage, the car insurance company will pay $10,000. Note that these amounts are the minimum amount required by the MO state. There are cases when the cost of repair of vehicles and medical expenses are higher.

It is strongly advised to purchase liability insurance that is higher than the minimum requirement of the MO states.

Not all states have a law requiring drivers to have liability insurance. Thus, uninsured motorist coverage is required by the law in auto insurance in Missouri. With this coverage, the victim will receive medical assistance from the auto insurance company of the insured, who is at-fault.

Collision and comprehensive coverage is an additional car insurance coverage that is not required by the state’s law in auto insurance in Missouri. However, this additional coverage is recommended because it can help the insured pay the cost of repairing the car of the insured.

If you are looking for cheap auto insurance in Missouri, one of the things that you need to consider is model of your car. If you want to buy a new model of expensive car or an SUV, you should be aware that this will be charged with high car insurance premium because of the risks it carries. Buy a cheap car of stick with your old car if you have one. If you have an old car, you don’t need to buy collision and comprehensive coverage. Otherwise, you will pay an amount higher than the worth of your car. Lastly, consider safety features installed in your car. Having these can give you discounts.