Keeping the Cost of Your St. Louis Car Insurance Down

The cost of St. Louis car insurance is bad enough; don’t give them a reason to raise it.

Avoid elevating your St. Louis car insurance by following the law.

You already hate the amount of money you have to pay each month for your St. Louis car insurance and the reasons for this vary. For some of you it’s because you are already struggling to make ends meet, some of you just find it a huge inconvenience, and others of you don’t like being told that you have to purchase it.

So don’t make it even worse by doing something stupid while you are driving, and causing the premium to be raised.

As Low As You Can Go With St. Louis Car Insurance

If you are looking to keep your St. Louis car insurance as low as you can, go with the minimum coverages allowed by law. Since car insurance for St. Louis is controlled by the State of Missouri, the minimum you are looking for are the state minimums.

For Missouri, you need to have at least the following coverages to be able to drive:

• $10,000 in coverage for damage you do to another person’s property
• $25,000 in coverage for medical expenses for one person that was injured
• $50,000 in coverage for medical expenses total if there are multiple injuries.

You can’t get any lower than these coverages and still be able to legally drive. These coverages may not be enough to cover all the damage that can be done in an accident though, so keep that in mind.

Keeping Your St. Louis Car Insurance Low

To keep your St. Louis car insurance premiums down low, there are a couple of things that you can do.

First, shop around for car insurance. Sometimes loyalty pays off, but not often enough, and if you only care about price then you need to go with the lowest car insurance premium. Car insurance coverage is pretty much the same from one company to another, the only difference is the customer service.

The best times to shop around are when you have a new car, add a new driver to your ranks, whenever you have a policy rate increase, and randomly every year or two.

Second, drive like a sane person. St. Louis is like any other city with a ton of traffic laws on the books, and breaking one of them not only leads to a ticket, but also leads to an increase in your car insurance.

So if you want to keep your St. Louis car insurance premium at least where it currently is, don’t drive like you want the premium increase.