Alternatives Insurance of St Louis City releases the next segment of their Missouri Auto Insurance Education Series for Missouri drivers. The educational series focuses on providing useful information that will help Missouri drivers solve issues related to auto insurance coverages. This specific topic, Missouri Auto Insurance Coverages, defines the various types of coverages available to consumers.
More details can be accessed from the [Alternatives Insurance of St Louis City](http://stlouis-insurance.com/st-louis-insurance-blog/) [blog](http://stlouis-insurance.com/st-louis-insurance-blog/).
Missouri Auto Insurance Coverages is insurance for damage to a vehicle(s) and bodily injury resulting from an auto accident. Insurance should fit the needs of the consumer, and cover a variety of instances depending on the kind of auto insurance that has been purchased. Missouri Auto Insurance Coverages include property damage, bodily injury, medical, uninsured motorists, comprehensive, collision, roadside assistance, loss of use and more. More importantly, Liability Coverage is required by Missouri law and protects consumers who may be in an insurable accident.
Cheaper insurance is not always the best insurance. If you have something to lose, like a sports car, house or checking account, consider higher limits of liability for protection against accidents. Cheap insurance is usually the state minimum which is a mere $10,000 for property damage liability coverage. Many vehicles today have a much higher value than the Missouri minimum Property Damage Liability limits of $10,000. Multiple car accidents that result in severe injuries, could have damages of hundreds of thousands of dollars.", expressed by Marc Majnerich, Owner of Alternatives Insurance of St Louis City.
With an increased number of risks on the roadways today, increasing property damage liability coverage provides more protection; and the premium generally is not adversely affected. Items to consider when determining the amount of damage liability coverage include the cost of an automobile, or replacement value of 24' RV that was damaged, or even a semi truck full of hazardous cargo.
Choosing the right Missouri Auto Insurance Coverages are best decided upon with the advice from a licensed insurance agent. The the Missouri Auto Insurance Education Series includes the basics for consumers to get a head start before consulting with an agent. Details include the different types of protection for drivers, insurance laws, state regulations, breakdown of premiums, how to choose deductibles, and clarifications of the different insurance coverages; such as, bodily injury liability, property damage liability, uninsured/underinsured motorist, medical insurance coverages, and more.
Alternatives Insurance of St Louis City is a full service, Independent Insurance Agency and a supporting member of the Missouri Association of Insurance Agents and committed to the Trusted Choice Pledge. With multiple locations in the St. Louis area, they serve all of Saint Louis City and County including Affton, Shrewsbury, Maplewood, Crestwood, St Louis Hills, Central West End, University City, and Clayton.
