In St. Louis it is illegal to drive a car on the road without auto insurance. Insurance laws help to protect us from injury
and property damage expenses resulting from auto accidents.
Each state sets an auto insurance minimum amount of coverage which in the event of an accident will cover medical costs and property damage. An insurance agent from your state will be able to tell you what the minimum requirement is for your state and will help you determine any additional insurance that would be good for you to carry.
Additional insurance is good in the event that the damage caused in an auto accident exceeds your coverage and the amount the insurance company will pay. If this were the case then you would be responsible for the remaining balance. For this reason most insurance agents will recommend that you carry more insurance than the minimum state requirement.
Numerous insurance agencies can be found online and will give you a free, no obligation, on-line quote. Look for an agent that will listen to and understand your needs and will offer you competitive rates.
