The reason drivers buy car insurance is because it can help them pay for vehicle damage and liability costs that might arise following wrecks or other vehicle mishaps. It cuts down on the effect these perils might have on your personal security. With a correctly tailored policy you will be able to pick up the pieces and get on with your life. Most policies can include multiple benefits like:

• 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.

In the Kansas City metro area, average car insurance rates are about $1,000/year, which equals roughly $85/month. Your exact premium will vary based on factors like your age, gender, vehicle make, model and value, credit score, driving record and more.

The amount of insurance you buy, and which company you buy it from, can also impact your rates. Therefore, our agents will help you determine the appropriate coverage limits, deductibles and other factors that you need to include on your policy. We can then review the rates offered by numerous companies for the one that is most optimal for you.

Missouri requires all drivers to carry minimum amounts of liability insurance, so all Raytown 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

Even though this might be the cheapest coverage, you shouldn’t stop with only buying this coverage. If you choose not to buy additional protection, you could still face a significant out-of-pocket cost if the costs of a wreck cost more than your policy will pay. Usually for a few extra dollars per month, you will be able to maintain coverage affordably, rather than trying to save for an unpredictable accident cost.

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.