O'Fallon Car Insurance

Your Complete Guide to O'Fallon, MO Car Insurance

(And how to find a knowledgeable independent agent.)

OFallon Missouri car insurance

O'Fallon, MO is full of history and landmarks. The president of the North Missouri Railroad gave O'Fallon its nostalgic name. 

If you drive these historic streets, you'll want insurance protection. A local independent insurance agent can help find the best car insurance. Connect with an agent to get started.

O'Fallon, MO Theft Rates and Car Insurance

Car insurance premiums are affected by local crime. The more crime in your area, the worse your premiums will be. Let's take a look at the average theft rate per 100,000 people:

  • National average: 228.90
  • Missouri average: 323.40
  • O'Fallon average: 945.20

O'Fallon, MO has a pretty high rate of theft. This may be partly due to its larger population of 87,597 residents. To know how the crime rates will impact your premiums, connect with an independent agent.

Car Insurance Requirements for O'Fallon, MO

Similar to worker's compensation insurance, Missouri state laws mandate auto insurance coverage. When you're using the roadways, you'll need an adequate car policy. Let's look at the minimum limits of liability required in O'Fallon, MO:

  • Minimum liability limits of $25,000 per person
  • Minimum liability limits of $50,000 per accident
  • Minimum liability limits of $10,000 property damage

Your car insurance is important, and the limits need to be sufficient. Often, the state minimum requirements are too low to cover even one claim. With the average cost of a vehicle being over $36,000, you'll want a policy that responds. Get with your local independent agent to find the best rate.

Other Auto Insurance Options in O'Fallon, MO

Car insurance has many coverage options. When you need a policy that supplies enough insurance for property damage and additional perks, get with your local agent. Let's take a look at some optional coverages:

  • Rental car: Will pay for a rental vehicle while a covered auto is being repaired or replaced due to a loss.
  • Comprehensive: Pays for property damage to your vehicle caused by a non-collision event such as fire, vandalism, falling objects, or being hit by an animal..
  • Collision: Pays for the damage to your vehicle when a collision with another car or property happens.
  • Towing: Will pay for the tow of a scheduled auto.
  • Gap: Pays for the remaining balance on your car loan when there is a difference in value, and your car is totaled.

When you have a loss and need more insurance than liability, these optional items are great to have. You can even have coverage for your trailers, ATVs, and other motor vehicles. Speak with your local independent insurance agent to discuss which coverage is best for you.

Additional Liability Insurance in O'Fallon, MO

Liability insurance on your auto policy is the most used coverage you will have. When an accident occurs, you'll want adequate limits. There are a couple of different ways to add coverage. Take a look at how you can add liability insurance to your auto policy:

  1. Increase your current liability limits on your underlying auto policy
  2. Get an umbrella policy to add another level of protection

Umbrella Insurance

An umbrella policy will give you an additional limit of liability above and beyond your underlying auto policy. This way, if you have a larger claim, your umbrella liability will apply.

To add an umbrella policy or increase your limits of liability, get with your independent agent. 

Uninsured Drivers in O'Fallon, MO

Every state has its share of uninsured drivers on the road. When you try to obtain coverage that will protect you properly, you'll want uninsured/underinsured motoriss insurance. Let's look at the facts:

  • National percentage of uninsured drivers: 13.0%
  • Missouri percentage of uninsured drivers: 14.0%

Missouri has a higher rate of uninsured drivers, which means O'Fallon does too. 

Uninsured/underinsured motorist insurance

This will pay for medical expenses and property damage resulting from a not-at-fault accident with an uninsured driver. Your health insurance will take a back seat and let this coverage be primary when you need medical attention.

Uninsured/underinsured motorist insurance is required coverage in Missouri at the state minimum limits. Your agent may recommend more coverage to protect you and your loved ones. Speak with your independent agent about this important coverage today.

An Independent Insurance Agent in O'Fallon, MO

When you're shopping for car insurance, an independent insurance agent can give you the best options. They work with multiple carriers, finding you the best policy and rates.

If you're not sure where to start, go to TrustedChoice.com. They can match you with a local independent agent in minutes. 

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