With more than 160,000 people sharing the roads in Springfield, Missouri, it is no wonder there are thousands of motor vehicle accidents in the city every year. Having the right car insurance in the “Show Me” state is important, whether you are in a fender bender or a major collision.
- Who would pay for your losses in a multi-car pile-up on I-44?
- Could you afford a victim’s medical bills if you caused a major collision?
- How much would it cost to replace your vehicle if it were destroyed in a tornado?
These are just some of the scenarios you could face as a motorist in Springfield. We help you understand your risk exposure and provide insurance solutions that meet your needs.
Missouri Insurance Requirements
Liability insurance is included in all Missouri insurance coverage, as it pays for victim injuries and property damages when you are at-fault in an accident. The state requires $10,000 for property damage protection, $25,000 for bodily injury, and $50,000 for two or more people injured in an accident. Many drivers find, however, that these limits are not enough to provide adequate security against claims and litigation following an accident. Our job at Tagge Insurance is to make sure you understand how liability in a major car accident could affect your income and assets. We can help you determine how much coverage you need to defend your lifestyle and your future.
In addition to liability insurance, all Missouri insurance policies must also contain uninsured motorist protection for bodily injuries. Despite laws requiring all drivers to carry liability insurance, some do not. Uninsured motorist insurance helps pay your medical bills in the event you are injured in an accident by an uninsured driver. You also have the option of adding underinsured motorist protection, which provides the same benefits if you are injured by an at-fault driver who causes losses that exceed the liability limits on his insurance policy.
Optional Car Insurance in Missouri
At Tagge Insurance, we enjoy getting to know our clients and better understanding each person’s needs. We can build coverage packages that fill in the gaps and provide individualized protection for a wide range of scenarios. Your car insurance policy can include:
Collision insurance reimburses you for losses and damages affecting your own vehicle when you are at-fault in an accident.
Comprehensive insurance reimburses you for losses and damages caused by certain non-collision events, such as hailstorms or vandalism.
Roadside assistance coverage assures that you will have 24/7 access to help when you run out of gas, have a flat tire, or your battery dies.
Rental Car Reimbursement
When an accident leaves you without transportation, rental car reimbursement can help cover the temporary use of a rental vehicle while your car is being repaired.
Missouri Insurance Savings and Discounts
No insurer reveals its secret blueprints for evaluating a customer’s risk profile and formulating its premiums, but nearly all consider the same basic factors when determining how much you will pay for coverage. Factors include:
- Your age
- How much you drive
- Where you live and park your car at night
- Your history of claims
- Your driving record
- Your credit score
- And more
Although you cannot change many of the factors in your risk profile, we here at Tagge Insurance can show you ways of lowering your premiums and finding the most competitive rates. We will shop and compare coverage from multiple Missouri car insurance providers and work to find discounts that save you money on coverage. From good student and safe driving discounts to price cuts when you bundle car insurance with other lines of coverage, we know all the tips and tricks for finding a great value.
If you need new car insurance in Missouri, contact Tagge Insurance to request your free, no-obligation quote. We can’t wait to save you money.