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Missouri Car Insurance


Missouri, like all other states requires that one has auto insurance in order to have a car on the road, in fact, you must have proof of it before you can even get your license.

The minimum requirements in the state of Missouri are:
$25,000 for bodily injury liability per person and $50,000 per accident and $10,000 for property damage liability. Also required is uninsured motorist coverage in the amount of $25,000 bodily damage liability per person and $50,000 per accident, however, more is better, the more coverage that you can afford, the better you will be if/when an accident happens to you.

The reason for the 25/50/10 so that the driver can pay for any and all bodily and property damages that they cause to another person. Also, the second half or uninsured liability is in place in the event the policyholder is hit, in an accident, by a driver who does not have insurance.

In this way, the policyholder can still have their expenses met, up to the amount of the policy that they have, by their own insurance provider and will not have to worry about any of the out-of-pocket expenses that they might otherwise have incurred.

When looking for the cheapest car insurance many factors have to be involved, some of these are:
1. Age of driver, younger drivers are considered more high-risk than older drivers.
2. Gender of driver
3. the physical address of the driver, it can be vastly different from location to location.
4. A persons' driving record, the more accidents you have, the more you pay in your premiums, the fewer accidents, the more you pay in premiums.
5. Trading in a car with a lot of cash value for one that has a lower cash value is also another excellent idea to lower your premiums.

It should also be mentioned her e that a lot of statistical data is used to determine an individuals' premium rate which may include rates from other areas of the state of Missouri to even local rates from city to city.

In the age of the Internet is is quite easy to find the cheapest Missouri auto insurance rates around, all you need to do is go to the many rate sites and there you will find a rate that is just perfect for you.




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Missouri Car Insurance

Although North Kansas City, Kansas City, Saint Louis, Springfield, and Independence are the biggest cities in Missouri cheap car insurance rates vary from city to city and rates in East Independence may or may not be different than Columbia. Whether you live in Saint Joseph, Lees Summit, Saint Charles or some other city in Missouri take 5 minutes and get free Car Insurance quotes now. If you are looking for additional ways to save take a look at our resources for finding Cheap Car Insurance in Missouri.


 

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