Missouri law requires drivers to carry liability insurance on their vehicles. This covers the other car if you are at fault but does not cover your own. It also does not cover your injuries in the case of an accident but covers anyone you hit if you were at fault. It is a moving violation and citation worthy in Missouri if you operate a vehicle in the rain without turning on your headlights as well as your windshield wipers.
There are three major insurance companies that offer the best automobile rates in Missouri. They also offer you a broader scope of coverage for a rate that you can afford. These companies also offer a decent deductible for those that live on a budget and are looking for cheap car insurance. The deductibles are easily met in the case of an accident.
Gecko Auto Insurance was the cheapest insurance from experience in Missouri. They also are extremely timely in any accident claims. Other people involved in the accident will thank you if this is your insurance company. They handle each claim with polite, professionalism accurately.
State Farm also provides excellent rates for cheap car insurance. They handle claims a little slower than Gecko but instead of doing your insurance business through the phone or Internet as with Gecko, you will have a local dealer that you can meet with. The local broker will handle your claims and in most cases you can get on a first name basis if you are a good customer and expect good results.
American Family is the other cheap automobile insurance company for Missouri. The biggest drawback with American Family was the deductible on the cheaper plans was extremely high. If you hit a deer, which is a likely occurrence on any Missouri road, your car may have a deductible from 500.00 to 1500.00 before they will be able to help with any repairs. This is a huge problem because if you are looking for cheap car insurance you also want it to be a policy you can use if the need arises. For legality purposes if you hit a deer in Missouri with your vehicle the Highway Patrol can legally tag the deer so that if you want to keep it or get it processed it is not an issue. They also tell you who to contact to get the deer disposed of if you do not plan to keep it.
