Blue Springs, MO Auto, SR-22 & Motorcycle Insurance

Residents of Blue Springs, Missouri can enjoy the pleasure of living in a small town with easy access to the greater Kansas City metropolitan area. Interstate 70 easily connects the town to both Kansas City and St. Louis, but Blue Springs itself is noted for its multiple recreation facilities and outdoor areas.

Because it is an attractive suburb to Kansas City commuters, Blue Springs sees plenty of traffic every day. All drivers need to be careful on the road, and this means always having car insurance.

If you are in the market for car insurance, you have come to the right place. Auto Insurance Discounters is a full-service agency staffed by a team of expert agents. We’re committed to helping every client find coverage that is affordable, easy to understand and always beneficial to drivers.

Why Choose Us

It’s easy to sometimes feel like you don’t know what car insurance to buy, and many people wonder if they are really getting the most benefits out of their policy. Some even feel like they are paying too much for the wrong policy.

By choosing Auto Insurance Discounters, you are eliminating all of that uncertainty. We make policy research, comparison and enrollment simple, so we can always direct you towards the right policy. Once you have it, you can rest assured that you, your vehicles and family will always be appropriately insured.

Common Blue Springs, MO Car Insurance Questions

Which type of car insurance work best in Blue Springs?

You buy car insurance because you want to have a financial resource to cover the costs of car wrecks or other vehicle losses. Auto Insurance Discounters doesn’t believe in offering customers generic coverage. Instead, we will help you create an individualized policy that offers multiple benefits, such as:

·        Comprehensive Coverage: If your car sustains damage from hazards like fire, theft, vandalism, hail, falling objects or water, then this coverage will pay for the damage.

·        Collision Coverage: Damage to your car from wrecks or collisions with stationary objects will be covered under collision insurance.

·        Liability Coverage: Missouri is an at-fault insurance state, which places financial responsibility for a wreck on the driver who causes the accident. That driver’s liability insurance can pay for the damage of third parties (other drivers, their passengers, pedestrians, etc.). Policies can include bodily injury and property damage coverage.

·        Uninsured/Underinsured Motorist Coverage: If you collide with a vehicle whose driver is at-fault for the wreck, there’s always a chance they won’t have the liability coverage to compensate you. Un/under coverage will help pay for the damage from your own policy.

·        Personal Injury Protection: Personal injury protection helps with medical expenses and other recovery costs if you and your passengers are injured in an accident, no matter who is at-fault.

What is the monthly cost of car insurance in Blue Springs?

In Blue Springs, the average car insurance premium is about $215/month. Because it a suburban area, where there are higher driving risks, premiums tend to run a bit higher than the statewide average. Factors like the policyholder’s vehicle model and value, credit score, age, driving record and specific address might impact individual rates.

If you buy high amounts of coverage, you will pay more money. However, talk to your agent about how you can still maximize your savings on a full-coverage policy. We can help you adjust benefits and deductibles so that you pay a fair price, while also applyimg policy discounts.

What is the cheapest full-coverage insurance in Blue Springs?

Missouri requires all drivers to carry minimum amounts of liability insurance, so all Blue Springs drivers must have a policy containing at least:

·        $25,000 bodily injury liability per person

·        $50,000 bodily injury liability per accident

·        $10,000 property damage liability

·        $25,000/$50,000 uninsured/underinsured motorist coverage

Though these policies might be the cheapest, most drivers should invest in more coverage. The more protection you have, the more your policy might pay in a wreck. That’s much less of a financial burden on your wallet in the end.

How often do car insurance rates go up in Blue Springs?

Auto insurers sometimes raise a driver’s rate each time their policy renews. This is more likely to happen if you have committed a serious driving infraction or had an accident during the previous policy’s term. However, the safest drivers often see their rates decrease year over year, particularly if they remain loyal to the same insurer.

If you see uncomfortable price increases, then Auto Insurance Discounters can still ensure you find affordable coverage. We’re happy to offer a comprehensive policy review to see if you’re getting the most out of your coverage.

Get Started Today

Every driver needs auto insurance. It’s too great a risk to take to the road without having this important financial protection behind you. Call us today at (866) 288-6545 or fill out an online quote form to get started now!