Automobile Insurance
Whether you are registering a vehicle or renewing the license plates, Missouri vehicle owners are required to show proof of insurance. To ensure your car is protected, having the right auto insurance coverage is essential. We can help you find a policy that’ll keep you safe on the road.
Automobile Insurance with AIB
Here’s how you can be protected with our Automobile Insurance
Liability Insurance
Insures you against the damages you cause others in a wreck.
Collision Insurance
Covers damage to your own vehicle after a wreck.
Comprehensive Insurance
Pays for damage from non-accident mishaps, like weather damage.
Medical Coverage
Pays for your medical bills and those of your passengers.
Uninsured/ underinsured Insurance
Insures you against damage caused by someone else who doesn’t have appropriate liability coverage.
An Experienced Auto Insurance Broker In St. Louis County
At Associated Insurance Brokers, we are your auto insurance brokers in St. Louis County. As your insurance broker, we work with our customers to ensure you have the ideal auto insurance coverage for your vehicle and your driving needs. We also make sure you are fully covered to meet the minimum requirements for auto insurance coverage in St. Louis County required by state law. This includes bodily injury, property damage, and uninsured motorist coverage to the specified amounts.
However, in addition to required coverage by the state of Missouri, having the right insurance on your vehicle is a simple way to protect your investment in the event of an accident or damage to the vehicle.
Important Coverage to Consider
Liability insurance for your vehicle protects you in the event you are the cause of an accident where damages occur. Collision insurance is designed to cover any damage that may occur to your own vehicle in the event of an accident. Comprehensive insurance is available to protect your vehicle in the event of damage that occurs outside of an accident. This could include hitting a deer or storm damage to your vehicle.
As mentioned above, uninsured and underinsured motorist coverage is required by the state. This protects you if the person causing the vehicle accident does not have the correct coverage or any vehicle insurance. Finally, medical coverage may also be important. This pays medical bills for the insured driver and any passengers in the event of an accident.
Should I Use an Insurance Broker to Buy Car Insurance?
We also take the time to get to know our customers, providing custom coverage solutions to meet your needs and your insurance budget.
What Do Auto Policies Cover?
The minimum level of coverage required by state law is:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $25,000 per accident for property damage
The law also requires you to have uninsured motorist coverage of:
- $25,000 for bodily injury per person and
- $50,000 for bodily injury per accident.
How much can you afford to pay if you get in an accident?
To keep premiums low, you may want to have a higher deductible and be willing to pay more for repairs.
What discounts are available?
Ask about good driver, multiple policies, and student discounts.
What’s the procedure for filing and settling a claim?
Ask who to call and what happens after you file a claim.
Questions To Ask Your Agent
Our knowledgeable agents are here to guide you in choosing the best coverage using a variety of sources and expertise. We also provide continuous support and advice.
Here are some things to consider when you select a coverage:
What is the insurance company’s level of service and ability to pay claims?
Some might be more convenient for you than others.
Questions To Ask Your Agent
Our knowledgeable agents are here to guide you in choosing the best coverage using a variety of sources and expertise. We also provide continuous support and advice.
Here are some things to consider when you select a coverage:
How much can you afford to pay if you get in an accident?
To keep premiums low, you may want to have a higher deductible and be willing to pay more for repairs.
What discounts are available?
Ask about good driver, multiple policies, and student discounts.
What is the insurance company’s level of service and ability to pay claims?
Some might be more convenient for you than others.
What’s the procedure for filing and settling a claim?
Ask who to call and what happens after you file a claim.
Insurance with AIB
Here’s how you can be protected with our Insurance
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