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Auto Insurance Information
For more than 70 years, Vogel Insurance Group has helped drivers in Central Missouri find reliable auto insurance solutions. If you are looking for coverage in Jefferson City, Fulton or Columbia, we may be able to help. To learn more, contact us or get a free auto insurance quote
Why Is Auto Insurance Important?
The financial protection offered by auto insurance may help reduce your out-of-pocket burden following auto-related hazards. For example, your policy may cover your vehicle repairs and medical expenses following an accident. It may also help cover third-party property damage and injury costs when an accident is your fault.
What Coverage Does Auto Insurance Provide?
Although auto insurance policies vary, they typically offer several types of coverage, including:
Liability insurance—Liability insurance can cover third-party injury or property damage costs if a policyholder is at fault for an accident. For example, if you hit another vehicle, your liability coverage may cover the other driver’s hospital bills and vehicle repairs.
Collision insurance—If an insured vehicle collides with another vehicle or object, collision insurance may help repair or replace the vehicle.
Comprehensive insurance—Comprehensive insurance can pay for vehicle damage caused by hazards not covered by collision insurance. For example, it may help repair or replace insured vehicles following fires, theft, vandalism or severe weather.
Uninsured/underinsured motorist (UM/UIM) insurance—Following a hit-and-run or an accident involving an uninsured or underinsured driver, this coverage may help you cover your injury costs. In some states, it also pays for your vehicle repairs. Please note, while uninsured and underinsured coverage is a single coverage in some states, in others, the coverages are separate.
Other coverage, such as roadside assistance, rental car reimbursement and gap insurance, may also be available. To learn more about how different types of coverage may protect you and your vehicle, speak to one of our agents.
Am I Required to Buy Auto Insurance?
Most Missouri drivers are required by law to carry at least a minimum amount of auto insurance. If your vehicle is financed, you may be subject to additional coverage requirements. For more information about coverage requirements affecting your auto insurance needs, speak to an agent.
What Does Auto Insurance Cost in Missouri?
Auto insurance premiums vary, and factors such as the value of your vehicle and your driving record may influence your rates. Speak to a Vogel Insurance Group agent or get a quote to learn more.
Contact Us for More Information
If you are looking for auto insurance in Missouri, Vogel Insurance Group may be able to help. Get an auto insurance quote or contact us today.