Having car insurance is both a legal requirement and important protection. In Missouri, state law requires that all drivers have insurance that includes property damage coverage, bodily injury coverage, and uninsured motorist coverage. Although carrying additional insurance is not required, there are multiple reasons why you should consider adding supplemental coverage. We are going to discuss 3 helpful tips for getting car insurance in St. Louis.
While a state’s mandatory minimum car insurance might cover some expenses, the fact is that it’s meant to cover damages caused to others, not to you. Accidents can happen to even the most experienced drivers. In 2017 alone, there were 113,369 crashes that resulted in property damage in Missouri, and around 47,386 car accidents involving drivers without proof of insurance. Adding optional coverage would ensure you get some money back to repair your car or to cover damages caused to another person and their property.
You might want to check to see if your auto insurance covers having a tow truck come pick you up at no cost when you decide on your policy.
How To Decide On The Right Insurance
We know there are many options when it comes to coverage. Sometimes it can be a real headache to determine which one to get.
So The Question Is: How Do You Decide?
If you’re like most people, one of the big determining factors will be the price; however, most insurance companies do offer discounts that might help you get premium coverage for less.
In St. Louis the most common discounts drivers could qualify for are safe driver discount, multi-car discount, and auto/home package discount. Although factors such as years of driving experience, usage, and even the safety features of your vehicle will affect the price of your policy, taking advantage of those discounts can be the key to getting well-rounded comprehensive coverage. This type of coverage is among the three most common standard coverages that companies offer, alongside liability and collision. While liability covers damages caused to other people and their property and collision covers damage to your vehicle caused by a motor vehicle accident, the comprehensive policy goes one step further to cover other damages unrelated to a collision like theft, natural disasters, falling objects, and even vandalism.
Should I get Supplemental Insurance Coverage
There are two supplemental coverage that are essential to have. The first one that you should really consider is towing and roadside assistance. Just imagine getting a flat tire in the middle of Highway 63 at night and having to search for a towing service to assist you. Not only will it take you time to find one, but you may also have to pay your tow truck driver with cash that you may not have at hand at that moment. Towing and roadside assistance will give you the peace of mind you need if your car breaks down if you accidentally leave your lights on and the battery dies on you, or even if you leave the keys locked inside. These types of services would probably cost a good amount of money, but by simply adding supplemental coverage to your car insurance, you won’t need to worry about it.
It is possible that some companies already include this service with their policies, but if they don’t, make sure to add it.
The second supplemental coverage you should get is uninsured/underinsured motorist coverage. According to statistics, at least 14% of drivers in Missouri are uninsured, while many others are underinsured. If you have uninsured motorist (UM) coverage, and you are injured as a result of a crash with an uninsured driver, this insurance will cover your medical bills, lost wages, and disability. More importantly, UM coverage doesn’t cost that much more and is definitely much cheaper than paying all the medical expenses yourself.
Find out how Money.com looks at auto insurance
In short, the best car insurance will most likely depend on how much coverage you want. There are many options to choose from. But with well-rounded comprehensive coverage, towing and roadside assistance, and healthy UM coverage, you should have everything you need to protect yourself.
You can easily contact Affordable towing by calling us at (314) 647-1518. We prefer a phone call as getting a tow is usually of the utmost importance and you need it in a timely manner. You can fill out our form, but there is no guarantee that we will see it for a couple of days, which could be an issue. Please be sure to call us for a fast tow here at Affordable Towing.