Before you start shopping for your auto insurance St. Louis, you should know what coverage the state of Missouri requires you to purchase. You will need to purchase liability coverage on your auto insurance St. Louis policy for a minimum of $25,000 per person, $50,000 per accident, and $10,000 for property damage. Don’t even contemplate purchasing your auto insurance St. Louis and then dropping it, because the Missouri Department of Revenue has begun tracking drivers to make sure they maintain liability coverage. Letting your auto insurance St. Louis lapse could cost you your driver’s license and vehicle registration.
However, liability coverage alone may not be the only auto insurance St. Louis coverage that you want for your vehicle. With the percent of uninsured drivers in Missouri counties ranging from over 11 percent to as low as half a percent, uninsured driver coverage can protect you from costly premium increases and accident repairs should you be involved in an incident with an uninsured driver.
Other coverage to consider for your auto insurance St. Louis coverage includes medical payment coverage, which will reimburse the insured and others for medical or funeral expenses. You may also want rental car reimbursement for your auto insurance St. Louis policy so that you are covered if you need to rent a vehicle while your damaged auto is being repaired. Plus, with so many things that could happen to your car besides a collision or theft, you may want to add comprehensive coverage to your auto insurance St. Louis to protect you in the case of fire, flood, or other disasters.