423 Woodlawn Ave
O'Fallon, MO 63366
Before you can legally register your vehicle in the state of Missouri, you will need to show proof of insurance. If you are going to drive in the state, you will need to have insurance. If the police pull you over, you will be in a lot of trouble. Depending on the circumstances, your driver's license and registration can be suspended for a year. You would also be required to pay a fine of up to $400, and points would be added to your driving record. If you get caught two or more times driving without insurance, you could end up doing time in jail. Before you take your new car for its first ride, you should select a reliable auto insurance policy for your specific needs.
This type of coverage gives you the most protection. If you are in a car accident that was your fault, this insurance will cover you and the other driver. If you are leasing your car or making payments, your lender will require you to carry this level of coverage. Full coverage will also cover you if your vehicle is stolen or vandalized. If you want the maximum amount of protection, this is the best insurance for you.
This is the minimum coverage required by state law. It will cover you if you cause an accident. The insurance would cover the damage to the other driver's car as well as any injuries the occupants of the car sustain. It won't protect your vehicle or anyone in it.
By law, you are required to carry this insurance as well as liability. Uninsured motorist will cover the cost of your vehicle repairs and any injuries if you are hit by a driver who doesn't have insurance. It will also cover you if the other driver is under-insured or if you are the victim of a hit and run.
When you buy a vehicle, before you even get behind the wheel, you should visit Watchdog Insurance Group in Cottleville, MO to purchase an auto insurance policy. To get a quote, stop by our office in Cottleville, MO to see us or give us a call today.