As commercial insurance experts here at Travers Insurance in Webster Groves, MO, we love helping our clients understand their policies and get the coverage they need. One term that often confuses people is "full-coverage" auto insurance.
What is Full-Coverage Auto Insurance?
Contrary to popular belief, "full-coverage" auto insurance doesn’t cover everything. Full coverage combines liability, collision, and comprehensive coverage, but the specifics vary depending on your policy. Liability coverage helps pay for damages and injuries you cause to others in an accident, while collision coverage helps pay for damages to your vehicle. Comprehensive coverage, meanwhile, helps pay for non-collision-related damages, such as theft or natural disasters.
Why Might You Need Full-Coverage Auto Insurance?
Whether you need full-coverage auto insurance depends on your circumstances. If you have a large amount of savings or assets, it may make sense to carry the minimum amount of coverage required by law. However, full-coverage insurance is often required if you’re financing or leasing your vehicle. Comprehensive insurance can provide added peace of mind if you live in an area with a high rate of car theft or natural disasters.
How Do You Get Full-Coverage Auto Insurance?
To get full auto insurance coverage, contact your insurance provider or speak with a trusted insurance agent, such as the experts here at Travers Insurance. We’ll work with you to understand your needs and find the right policy.
Reach Out To Us
Insurance isn’t just a legal requirement—it’s an investment in your financial security. When you choose Travers Insurance, you get the best protection possible. Contact us today to get started with auto coverage in Webster Groves, MO.
Travers Insurance is here to help the greater Webster Groves, MO community with all of its insurance needs. Buying a new car is a very exciting experience and one that may change your auto insurance needs. Call our office today to find out more.
Upgrade your auto insurance if you buy a new car
When you buy a new car, your auto insurance needs will likely change. Because of the speed at which new vehicles depreciate, it’s important to have adequate protection. In the event that your vehicle is stolen and never recovered, or is declared totaled in an accident, you will need robust protection.
If a new car is deemed unusable due to an accident or theft, the insurance carrier will assign a value to the vehicle. This amount that is paid out to the policyholder can be less than the amount that is still owed to the lender. Unfortunately, this situation occurs quite frequently.
To avoid having to owe your lender money for a car you can no longer use, be sure to upgrade your auto insurance policy to have this gap protection. Without it, you could find yourself in an unwanted financial situation. This is one example of why it is beneficial to work with a local insurance agent. Sitting down with someone to review your needs is very helpful when you are looking for the right auto policy for your needs. Find out more about auto insurance today!
We are here to help
Residents in Webster Groves, MO and the surrounding area can rely on the team at Travers Insurance. If you have questions about auto insurance, we are here to help answer them. Give us a call or come by our office today to learn more.
What kind of auto insurance does one need to carry when traveling through Webster Groves, MO? The answer there lies in the state minimum requirements as setting up by the state of Missouri. Luckily, those are posted and readily available for all to see. The state of Missouri requires a minimum of $25,000 of coverage per person in the vehicle, $50,000 per accident, and $25,000 for physical damage to the other vehicle. Those are just the minimums, and one may choose to purchase additional coverage in the Webster Groves, MO area if they choose.
Travers Insurance focuses on helping people get their hands on the policies they need to keep themselves safe and legal out on the road. They have looked at the minimum requirements for the state of Missouri, and they understand how to create an auto insurance policy that meets those minimum requirements. Basically, they are all about helping people to get the coverage that they need without spending a penny more than what is absolutely necessary to do so. It is all about getting the right policies in the right hands, and Travers Insurance has managed to do that very well through its innovative creation of a variety of insurance types.
People in Webster Groves don’t want to worry about getting hurt or hurting someone else in the course of just going about their day-to-day business. Most people assume that they will never be in this position. However, we know for a fact that some people will be involved in accidents at some point, and that is why we just can’t assume that everything will just work out okay. We have to prepare ourselves for the reality that we need protection in case our number is called, and we are the ones who end up having to pay for an auto accident.
Whether you are a Missouri resident or just driving through, you are required by law to carry some basic auto insurance. Unfortunately, thousands of people are involved in accidents every year who don’t follow the law. That makes it even more important that you, as a responsible driver, have the right insurance to protect yourself. At Travers Insurance in Webster Groves, MO, we have been around for 70 years through three generations. We have survived by providing our customers with personal service they can count on.
Mandated auto insurance is liability coverage and uninsured motorist. Liability protects others from the results of your actions. If you cause an accident, you must have $25,000 for injuries to each person. The total per accident of $50,000 and $10,000 for property damage. Uninsured motorist coverage must equal the bodily injury coverage of your liability insurance. Your lender or lessor will require that you carry additional coverage to protect their vehicle.
Most people count on their vehicles for conducting the everyday business of life. Depending on where you live, public transportation may not be an option. If you own a vehicle but don’t have a loan, you can go without collision and comprehensive. The question is, do you want to? If you can easily pay for any repairs to your vehicle from an at-fault accident, then, by all means, skip the additional coverage. If you are like most people, you don’t have thousands of dollars just sitting around to use for repairs.
Collision pays for your vehicle’s repair after a motor vehicle accident, comprehensive covers for damage due to events beyond your control, storms, theft, fires, etc.
If you have questions about auto insurance coverage at Travers Insurance in Webster Groves, MO, we have answers. Contact us for a no-obligation quote.