auto insurance

Whether you live in Missouri or Arkansas, when most people think about auto insurance, they think about damage to their car. The truth is, auto insurance covers much more than just your car.

Given the sheer number of cars on the road and the distractions drivers deal with every day, the chances of being involved in a car accident are plentiful.

You’re at risk literally every single day you get in your car.

It’s important to understand what your coverage options are, not just for your car, but for you, and people who may be injured as a result of your negligence.

Having adequate car insurance limits is serious business.

If you were ever involved in an accident, and found to be at-fault for someone else’s bodily injuries, you could literally lose everything if you’re not properly insured.

What a lot of people don’t realize is, having great coverage doesn’t necessarily mean having higher insurance premiums.

At Wiley Insurance, we can take your current coverages and compare them with a wide range of insurance providers to see who offers you the best deal possible. We work on your behalf to properly cover your needs and exposures, and make sure that there are no hidden gaps in your policy.

No two insurance contracts are the same, and while two policies side-by-side might look the same, the fine print behind the cover page can vary from company to company. This means that you need someone who understands policy contracts like us to sort through the exclusions and conditions for you, so you can rest easy knowing that you have the best possible coverage at the best price.

Important Missouri Auto Insurance Coverages
When you browse through your policy, you may see certain coverages and wonder exactly what they are, and why they’re on your policy.

Here are a few of the more important ones you need to consider:

Collision Coverage — This is the part of your policy that covers your car in the event you damage the car itself somehow, as a result of an accident with a fixed or moving object like another car, a curb, a house, a guard rail, etc.

Comprehensive Coverage — This coverage also protects your car, but in the event that something else damages your car, that is not a fixed, or moving object. For example, theft, a rock that cracks your windshield while you’re driving on the highway, an animal you might hit, and so on.

Property Damage — Suppose you damage someone’s car in an accident, or you hit a guard rail, house, or other property that belongs to someone else. This is the part of your policy that compensates the other person for that damage.

Bodily Injury Liability — This coverage protects your financial interest in the event you injure another party in an accident. This is the part of your policy that pays that other party for their medical bills and related expenses. Due to the high cost of medical care, it’s dangerous to carry liability limits that are too low. This is something we can help you decide on.

Un-insured & Under-insured Liability — Tthis coverage pays you, in the event that you are injured by another party, and that other party was either unidentified, or they weren’t carrying a high enough limit of Bodily Injury Liability to cover your expenses. This is also a very important part of your auto policy because you have zero control over how much insurance other people are driving around with.

Common Auto Insurance Rating Variables
Age — insurance companies use your age in their overall rating algorithms.

Credit — credit is a metric that has been used in insurance scoring for many years. The better your credit, the more favorable your rates will usually be

Car — the type of car, engine size, safety features, etc.. are all part of determining the rate

Driving History — your driving record and loss history plays a substantial role in the price. If you have a spotty driving history, or multiple moving violations or accidents, chances are, you won’t get a preferred rate until those things are at least 3 years old. 

How to get started with your quote
If you live in Missouri or Arkansas, and you are looking for a car insurance comparison, Wiley Insurarnce makes the process of finding the best company and price easy.

To get started, call our office directly, or click on the Quote page in the navigation bar and begin the process. Either way, we make getting a quote super simple!