Finding affordable car insurance in Missouri can be difficult, but drivers can take steps to find coverage at an affordable cost. Understanding your individual needs and circumstances is the first step toward finding a policy that meets those criteria while fitting within your budget. Some may prefer paying extra for exceptional customer service while others require lower rates or want carriers that allow mobile apps for claims filing or payments. In addition, top carriers frequently offer discounts for student status, military veteranship status, good drivers, homeowner status with lower mileage requirements or simply being paperless.
Insurers also consider other factors specific to you and your circumstances when making their assessment, including age, gender, driving record and credit score. Drivers with clean records and outstanding credit usually get cheaper car insurance in Missouri due to being lower-risk drivers for insurers; younger and teen drivers often incur higher premiums because of inexperience and higher accident risks than older drivers – though sometimes adding them onto a parent policy may save some money;
Location can have a considerable effect on insurance premiums for drivers. Cost of living and accident statistics differ between cities, with densely populated urban areas often paying higher premiums due to increased likelihood of accident involvement than rural communities.
MoneyGeek’s Missouri car insurance calculator enables drivers to estimate the cost of their premium based on multiple variables, including age, driving history, coverage levels selected and type of vehicle driven. Estimates are derived using over 90 million quotes provided by Insurify; an independent comparison site offering car insurance quotes in all 50 states plus Washington D.C.
Drivers unable to secure affordable coverage on the private market may benefit from turning to their state’s Auto-Owners Insurance Plan for high-risk car insurance coverage at an affordable cost. It provides basic liability and uninsured motorist coverage at a nominal monthly premium fee. However, minimum coverage limits may not cover the costs associated with a serious accident; most drivers would do well to purchase full coverage. To keep costs under control for those wanting to reduce costs further, opting for usage-based car insurance policies might help. Drivers may qualify for discounts by taking a defensive driving course or noting their desire to improve their driving habits, potentially lowering their premium and providing them with peace of mind on the road. Speak with an agent about any additional opportunities to lower premium costs such as enrolling in safe driving courses or avoiding tickets and violations.