Auto Insurance

In St. Louis, St. Charles, O'Fallon, St. Peters, and St. Louis County, Missouri, auto owners are able to compare quotes online using an independent agency like Freedom Insurance. By seeing multiple policy quotes instantly, consumers can determine the best prices and coverage for their needs.

A car owner should be familiar with the primary areas of auto insurance before deciding on a policy:

  • Liability: Covers legal ramifications of an accident as well as property damage.
  • Medical Payments: Medical expenses that stem from injuries are covered in this area.
  • Uninsured/Underinsured Motorist: If the other party doesn’t have insurance – or enough insurance – the insured driver may have to handle out-of-pocket costs. This area of insurance provides protection against this important danger.
  • Comprehensive Coverage: Items that are unrelated to an accident are often covered with comprehensive coverage. This is especially useful for newer cars.

How are rates determined? In addition to the type of coverage that is desired, annual mileage, record of the driver, the vehicle itself, and other factors will play a role in the amount of premiums. Drivers can always increase and decrease the type and amount of coverage desired to reach the optimal protection and budget-related needs.

Owners in Missouri can use an independent agency like Freedom Insurance to find the best rates, as several top-tier companies can be polled instantly. This not only saves time and money, but allows customers to connect to an experienced agency that can help along the way. With a traditional agency, the agent would only be able to sell and provide help for that company’s products.

Navigating the auto insurance world can be a bit stressful. However, Missouri auto insurance owners can take advantage of the convenience, expertise, and money-saving option of an independent agency like Freedom Insurance. It can make the process much easier and simpler.