Don’t we all prefer to save money especially on insurance coverage. To get affordable Missouri car insurance quote you need to compare rates from multiple providers in your area. If you enter Zip Code at the top of this page, you will get the list of the cheapest and the best auto insurance companies in you area. Comparing quotes from those insurers will give you a very affordable auto insurance premium. Below you can find information that every driver in Missouri has to know.
Missouri Vehicle Insurance Requirements
The minimum requirements for a Missouri auto insurance include liability coverage and uninsured and underinsured motorist coverage. The state law also requires a minimum coverage amount. For liability insurance, the minimum amount required for bodily injuries is $25,000 for every injured person or a total of $50,000 for the accident. The minimum amount required for property damage liability is $10,000. The uninsured or underinsured motorist coverage is for bodily injury and the minimum amount required is $25,000 per every injured person or a total of $50,000 for the accident.
In Missouri, the tort system is followed with regards to vehicular accidents or collisions. Under the tort system, someone is always responsible for the car accident. That person along with his or her insurance provider will be the one to pay for the medical bills and repair caused by the accident.
Some Tips on How to Save on Insurance Costs in Missouri
There are a number of ways you can do to lower your car insurance costs in MO. Listed below are some cost cutting tips.
Ask around and get quotes from as many car insurance companies as you possibly can. The more companies you get quotes from the higher is your chance of getting the lowest car insurance premium possible. It would not take too much of your time doing this because the internet can greatly reduced the time and effort in getting the car insurance quotes.
If possible, you can increase your deductible. Personally paying for minor repairs on your car instead of filing claims with your car insurance company can help keep your insurance premium low. Car insurance companies have the tendency to raise the premiums of policyholders making frequent claims. A deductible is the amount that the insured must first personally pay before the car insurance company will release the money to cover the rest of the expenses.
You can choose to have all your different insurance policies handled by a sing le insurance provider. Insurance policies for your home and car can be bundled in order to obtained discounts from the insurance company.
Look and ask for any possible discount that the car insurance company may grant you. While many insurance providers provide discounts to qualified customers, that information may not be obvious to their customers. The best way knowing and getting any possible discount is by asking the insurance agent, by phone or through the insurance company’s website.Drunk Driving Laws in the State of Missouri
In Missouri, drunk driving is officially known as driving while intoxicated or DWI. A driver is considered drunk if he has a blood alcohol concentration (BAC) level of .08 percent or greater at the time of the arrest. Drivers of commercial vehicles and those who are under the age of 21 have lower BAC level limits. A driver of a commercial vehicle can be charged with a DWI if his or her BAC level is at .04 percent or greater. A driver under 21 years of age can be arrested for drunk driving if his or her BAC level is at .02 percent or higher.
Implied Consent Law in the State of Missouri
Driving within the state of Missouri implies that you give your consent to be subjected to a chemical test to check for your blood alcohol concentration level when asked by the police authorities. Refusal to undergo with the chemical test will result in the automatic suspension of your driver’s license.
Penalties for First Time DUI or DWI Offenders in the State of Missouri
First time offenders in Missouri face the possibility of spending up to 6 months in jail.
The fine of a first time offender can reach up to $500. However, the fine does not include other court related fees and expenses which the offender must personally shoulder.
The driver’s license of a first time offender will be suspended for at least 30 days.
After serving the 30 days suspension, the first time offender will be allowed to drive with restrictions for a period of 60 days.
If the first time offender refused to be subjected to a BAC chemical test, his or her driver’s license will be automatically suspended for 1 year.
The first time offender will be ordered to pay $45 reinstatement fee after complying or completing all the necessary requirements.
The first time offender will need to have the Missouri SR22 insurance in order to be allowed to drive again.
The first time offender may also be ordered to install an ignition interlock device on all the vehicles he or she owns or drives.
Penalties for Second Time DUI or DWI Offenders in Missouri
A second time offender faces the possibility of longer jail sentence of up to 1 year.
A second DWI conviction will result in the payment of a fine amounting to $1,000. However this does not include the court related fees and expenses which the second time offender must personally shoulder.
The driver’s license will be suspended for a period of one year.
If the second DWI conviction happened within 5 years of the first conviction, the driver’s license suspension period will be 5 years.
The installation of an ignition interlock device can be allowed after 1 year or will be required after the second time offender’s driving license has been reinstated.
Before the second time offender can be allowed to drive again, he or she must first secure a Missouri SR22 insurance policy.
The second time offender will also need to pay license reinstatement fee of $45 after completing or complying with all the necessary requirements.
Classification of DWI Charge into Either Misdemeanor or Felony
If the DWI offender did not cause any bodily injury to another person at the time of the arrest, he or she will be charged with a misdemeanor and the penalties for a DWI charge will be applied. But if the DWI offender caused bodily injuries to another person at the time of his arrest, the charge will be considered as a felony and the penalty includes a 7 year stay in prison.
The Average Car Insurance Rate in Missouri versus the National Average
The average car insurance premium in Missouri is very much lower which is around $1,143 compared to the national average which is around $1,442. However, the average car insurance premium in some cities in Missouri is slightly higher than the state or national average.
The Top Ten Vehicles Stolen In the State of Missouri
Owners of the following vehicles may have to pay higher premiums because of the high risks of theft on their cars. Drivers of such vehicles should take the necessary precautions and always leave or park their vehicles only in secure locations. Owners would also need to install car alarms and other security devices in order to lower the risks theft and possibly even their car insurance premium.
Dodge Caravan 2000 Model
Dodge Intrepid 200o Model
Dodge Ram 2004 Model
Chevrolet Pickup (Full Size) 1994 Mode
Ford F150 Pickup 1995 Model
Dodge Stratus 1999 Model
Ford Taurus 1997 Model
Ford Explorer 2002 Model
Jeep Cherokee 2001 Model
Pontiac Grand Prix 2006 Model
Missouri Vehicle Insurance Requirements
The minimum requirements for a Missouri auto insurance include liability coverage and uninsured and underinsured motorist coverage. The state law also requires a minimum coverage amount. For liability insurance, the minimum amount required for bodily injuries is $25,000 for every injured person or a total of $50,000 for the accident. The minimum amount required for property damage liability is $10,000. The uninsured or underinsured motorist coverage is for bodily injury and the minimum amount required is $25,000 per every injured person or a total of $50,000 for the accident.
In Missouri, the tort system is followed with regards to vehicular accidents or collisions. Under the tort system, someone is always responsible for the car accident. That person along with his or her insurance provider will be the one to pay for the medical bills and repair caused by the accident.
Some Tips on How to Save on Insurance Costs in Missouri
There are a number of ways you can do to lower your car insurance costs in MO. Listed below are some cost cutting tips.
Ask around and get quotes from as many car insurance companies as you possibly can. The more companies you get quotes from the higher is your chance of getting the lowest car insurance premium possible. It would not take too much of your time doing this because the internet can greatly reduced the time and effort in getting the car insurance quotes.
If possible, you can increase your deductible. Personally paying for minor repairs on your car instead of filing claims with your car insurance company can help keep your insurance premium low. Car insurance companies have the tendency to raise the premiums of policyholders making frequent claims. A deductible is the amount that the insured must first personally pay before the car insurance company will release the money to cover the rest of the expenses.
You can choose to have all your different insurance policies handled by a sing le insurance provider. Insurance policies for your home and car can be bundled in order to obtained discounts from the insurance company.
Look and ask for any possible discount that the car insurance company may grant you. While many insurance providers provide discounts to qualified customers, that information may not be obvious to their customers. The best way knowing and getting any possible discount is by asking the insurance agent, by phone or through the insurance company’s website.Drunk Driving Laws in the State of Missouri
In Missouri, drunk driving is officially known as driving while intoxicated or DWI. A driver is considered drunk if he has a blood alcohol concentration (BAC) level of .08 percent or greater at the time of the arrest. Drivers of commercial vehicles and those who are under the age of 21 have lower BAC level limits. A driver of a commercial vehicle can be charged with a DWI if his or her BAC level is at .04 percent or greater. A driver under 21 years of age can be arrested for drunk driving if his or her BAC level is at .02 percent or higher.
Implied Consent Law in the State of Missouri
Driving within the state of Missouri implies that you give your consent to be subjected to a chemical test to check for your blood alcohol concentration level when asked by the police authorities. Refusal to undergo with the chemical test will result in the automatic suspension of your driver’s license.
Penalties for First Time DUI or DWI Offenders in the State of Missouri
First time offenders in Missouri face the possibility of spending up to 6 months in jail.
The fine of a first time offender can reach up to $500. However, the fine does not include other court related fees and expenses which the offender must personally shoulder.
The driver’s license of a first time offender will be suspended for at least 30 days.
After serving the 30 days suspension, the first time offender will be allowed to drive with restrictions for a period of 60 days.
If the first time offender refused to be subjected to a BAC chemical test, his or her driver’s license will be automatically suspended for 1 year.
The first time offender will be ordered to pay $45 reinstatement fee after complying or completing all the necessary requirements.
The first time offender will need to have the Missouri SR22 insurance in order to be allowed to drive again.
The first time offender may also be ordered to install an ignition interlock device on all the vehicles he or she owns or drives.
Penalties for Second Time DUI or DWI Offenders in Missouri
A second time offender faces the possibility of longer jail sentence of up to 1 year.
A second DWI conviction will result in the payment of a fine amounting to $1,000. However this does not include the court related fees and expenses which the second time offender must personally shoulder.
The driver’s license will be suspended for a period of one year.
If the second DWI conviction happened within 5 years of the first conviction, the driver’s license suspension period will be 5 years.
The installation of an ignition interlock device can be allowed after 1 year or will be required after the second time offender’s driving license has been reinstated.
Before the second time offender can be allowed to drive again, he or she must first secure a Missouri SR22 insurance policy.
The second time offender will also need to pay license reinstatement fee of $45 after completing or complying with all the necessary requirements.
Classification of DWI Charge into Either Misdemeanor or Felony
If the DWI offender did not cause any bodily injury to another person at the time of the arrest, he or she will be charged with a misdemeanor and the penalties for a DWI charge will be applied. But if the DWI offender caused bodily injuries to another person at the time of his arrest, the charge will be considered as a felony and the penalty includes a 7 year stay in prison.
The Average Car Insurance Rate in Missouri versus the National Average
The average car insurance premium in Missouri is very much lower which is around $1,143 compared to the national average which is around $1,442. However, the average car insurance premium in some cities in Missouri is slightly higher than the state or national average.
The Top Ten Vehicles Stolen In the State of Missouri
Owners of the following vehicles may have to pay higher premiums because of the high risks of theft on their cars. Drivers of such vehicles should take the necessary precautions and always leave or park their vehicles only in secure locations. Owners would also need to install car alarms and other security devices in order to lower the risks theft and possibly even their car insurance premium.
Dodge Caravan 2000 Model
Dodge Intrepid 200o Model
Dodge Ram 2004 Model
Chevrolet Pickup (Full Size) 1994 Mode
Ford F150 Pickup 1995 Model
Dodge Stratus 1999 Model
Ford Taurus 1997 Model
Ford Explorer 2002 Model
Jeep Cherokee 2001 Model
Pontiac Grand Prix 2006 Model
No comments:
Post a Comment