State law in Missouri requires all motorists and vehicle owners to carry liability insurance as an absolute minimum requirement. Unfortunately, there are a considerable number of motorists in Missouri who continue to use their vehicles on state roads and highways without having adequate auto insurance coverage in place. If an accident occurs where an uninsured or underinsured party is at fault, any subsequent unpaid claims will lead to higher auto insurance rates for sensible road users who consistently insure their vehicles legally.
Proof of auto insurance must be provided whenever a vehicle registration or license plate renewal is required. Evidence of current auto insurance must also be kept inside a vehicle in case a law enforcement officer requires proof of coverage during a routine traffic stop or in the immediate wake of an accident.
Missouri state law requires that all motorists carry the following minimum levels of auto insurance coverage:
- $25,000 worth of bodily injury liability per person
- $50,000 worth of bodily injury liability per accident
- $10,000 worth of property damage liability
- $25,000 worth of uninsured or underinsured motorist coverage per person
- $50,000 worth of uninsured or underinsured motorist coverage per accident
If auto insurance lapses or is cancelled for any reason, a report will be sent to Department of Revenue and proof of coverage will need to be clarified before a vehicle can be used again legally. If a conviction follows, the case will be reviewed by the Driving License Bureau and points will be added to the driver’s record. If a total of eight or more points are accumulated within an 18 month period, driving privileges will usually be revoked.
Auto insurance quotes are a vital factor in the legal operation of motor vehicles and road users in Missouri have a number of options available in terms of where they can obtain coverage. Although it is still entirely possibly to purchase auto insurance through land-based offices, telephone call centers or brokers, the vast majority of Missouri motorists are now purchasing their polices online in order to secure cheap auto insurance rates.
At Promiga Auto Insurance Quotes, we provide a wide range of policy options that are underwritten by A-rated carriers who continue to earn excellent reviews on consumer websites. These highly regarded companies specialize in providing online auto insurance quotes and also offer a number of fantastic discounts. Promiga only provide free auto insurance quotes and our site visitors never incur any fees or commission costs for using our services. In fact, there is no obligation to actually make a purchase through our dedicated website whatsoever.
We take your privacy seriously and never compromise anonymity by asking you for personal details. All of our online auto insurance quotes are provided with just a Missouri ZIP code. We never take sensitive information and pass it on to third party companies so you’ll never be subjected to annoying phone calls from forceful sales representatives or endless junk mail.