308 Noonan Drive, Pacific, MO 63069

Missouri Auto Insurance for Personal Vehicles

The financial impact of a vehicular collision can be severe, especially without auto insurance coverage. Missouri auto insurance keeps you safe.

Why Should You Secure Car Insurance in St. Louis With NEC?

Car accidents are unpredictable, but personal auto insurance helps ensure a collision doesn’t spell disaster for your savings account. Auto insurance policies cover the risks individuals face when they own and operate a motor vehicle. A comprehensive plan covers property damage, personal injury to you or passengers, and bodily injury to other drivers. Without a plan, you could be liable for all accident-related collateral, including damages and injuries.

There are many types of auto insurance, and the amount of protection you receive depends on the plan you secure. Missouri requires drivers to have at least liability insurance to drive safely on the road. While minimum coverage is enough to satisfy insurance requirements, there may be better options for your situation.

Exploring your options and understanding the different types of coverage in Missouri is essential to finding the best protection for you and your passengers. NEC Insurance is an agency with decades of experience in the industry. We’ve helped countless Missourians find quick coverage at optimal rates; when you partner with our professionals, all our resources and expertise are at your disposal.

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Discover Your Options With the NEC Insurance Team

Purchasing auto insurance in Missouri can be an involved process. You should know the details of every plan and know what you need to feel secure on the road. NEC Insurance is a seasoned commercial and personal insurance agency with a firm handle on the industry. We have access to over 30 insurance carriers and have the resources to help you find an insurance quote that matches your requirements.

Find Quick Car Insurance Quotes in Missouri

Knowing you have the best insurance policy for your budget is a challenge. The NEC Insurance team works with you to review your individual needs and help you secure the perfect insurance coverage for your needs.

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What Are the Types of Missouri Car Insurance Plans We Offer?

There are many components you can include in your auto insurance policy. Your personal needs should inform your choice. As you compare quotes and review your existing plan, don’t hesitate to contact the NEC Insurance office to validate your strategy and learn more about insurance rates.

NEC can help you choose the best coverage options for how, when, and where you use a vehicle, including:

  • Liability Coverage

    Liability insurance pays (up to a limit) for injuries and property damage you cause to someone else in an accident. This plan is the minimum for all states except New Hampshire and Virginia. Without liability coverage, you become responsible for all medical bills and repairs, on top of any fines and penalties for driving uninsured. You receive greater protection with higher limits, although you’ll need to invest in a more robust policy to cover damage to your vehicle.

  • Collision Coverage

    Collision coverage pays to repair your vehicle after an accident, whether you strike another driver or a stationary object. Collision policies pay for your car up to its actual cash value, regardless of whether you’re at fault. If the cost of your automobile exceeds its fair market value, the insurer declares the vehicle a total loss and offers a check equal to your car’s cash value to help buy a new vehicle.

  • Comprehensive Coverage

    A comprehensive plan protects you from all damage not caused by a collision. The policy covers severe weather, fire, theft, vandalism, and animal damage. If you incur repair costs that exceed your deductible, a comprehensive plan can help you make ends meet.

  • Medical Payments or Personal Injury Protection

    Medical payment plans cover your or your passengers’ injuries after an accident. Personal injury protection (PIP) coverage is a broader option that pays for medical bills and lost wages if you or your passengers miss work after an accident.

  • Uninsured and Underinsured Motorist Protection

    The motorist protection plan helps pay for accident-related expenses when hit by an uninsured driver or driver whose policy limits are too low to cover your repairs or medical bills. Missouri requires auto insurance, but not every driver has a policy. This plan keeps you protected.

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