How much is car insurance in Columbia, MO?

Columbia, Missouri is located 70 miles west of St. Louis MO and 100 miles east of the Kansas City metropolitan area. It’s the home of the University of Missouri and a noted center for insurance companies.

Required Limits of Liability for Car Insurance in Missouri

The legislature of Missouri has established the legal limits of liability for driving automobiles in the state as follows:

• Bodily Injury Liability – legal responsibility for bodily injury to others in an accident – $25,000 per person/$50,000 per accident
• Property Damage Liability – legal responsibility for damage to the property of others – $10,000 per accident

Each state in the union establishes financial responsibility in the state by legislative action.

Often these limits of liability were enacted many years ago and are no longer up-to-date. For this reason, you should be careful to carry adequate, modern limits of liability.

Recommended Limits of Liability to Provide Adequate Protection

• $100,000 per person/$300,000 bodily injury liability
• $ 50,000 per accident property damage to others

You should also carry the following coverage:

• Medical payments coverage – to pay for injury to you or your family in the event of an accident – $10,000 per accident
• Uninsured Motorists coverage – pays for injury to you or your family if you have an accident with someone who does not have insurance. $100,000 per person/$300,000 per accident limits of coverage.

Protection for your Own Vehicle

Cars are a large investment in the lives of most individuals. You should insure them to help defray the costs of accidents that may disable the vehicle. This coverage is:

• Comprehensive Coverage – pays for vandalism, fire, animal damage, glass, and theft of your own vehicle. A deductible usually applies.
• Collision Coverage – pays for collision damage to your own car. Again, a deductible usually applies.

Comparison Shop for Insurance Premiums

Check on prices with various companies for car insurance, but don’t focus entirely on price. Try these steps:

• Collect a list of recommended auto insurance companies by checking with people you know, then examine websites and printed articles from consumer advocates to check the way the companies handle their claims.
• Get quotes from different insurance companies, comparing prices and coverage.
• Be sure to ask questions.

Insurance prices can vary a great deal. Upon examining quotes for the same individual and car in Columbia, MO, the following premiums were received from two different companies.

Company #1 – $586.00 for six months

Company #2 – $711.26 for six months

A $125.26 difference in premiums is enough to make a consumer examine their insurance carrier carefully.

Use the FREE comparison tool above to find the best rates on car insurance!