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Car Insurance

All You Need to Know about Car Insurance

Are you planning on buying an affordable car in St.Louis? If yes, then you might also be thinking about whether or not you should get car insurance alongside. Now, the question is: Do you really need insurance to buy a car in Saint Louis? This article will answer your question in detail while elaborating on the benefits of auto insurance plans. Some people consider purchasing an insurance plan before getting a car. However, subscribing to such a plan beforehand is advisable but not mandatory, especially when you are exploring car sales in St.Louis with Chase dealer network.

Regardless of your preference, at times it is compulsory to have auto insurance to take the vehicle home. A lot of car dealers won’t authorize you to leave with your newly purchased car unless you have an insurance plan in hand. Hence, if you are buying a brand-new car from a private seller in Saint Louis, make sure to have an auto insurance plan ready to show them.

Do You Need A New Or Previously-Existing Policy?

If you already have an insurance policy securing a previously bought vehicle, you can easily add your new purchase to it. A lot of insurance agencies tend to insure their customer's new vehicle within seven to thirty days. Due to this assistance, you do not have to change your coverage before buying a car from Chase auto group.

All you have to do is make sure to contact your insurance provider over the phone or online and discuss the additional changes.. Doing so is necessary because a few insurance companies extend your already-existing coverage to new vehicles, while others might direct you to purchase an individual insurance plan for your car.

Nevertheless, relying on the old policy gives rise to many risks in terms of coverage. Remember, your new vehicle is most likely to be worth much more than the previous one which is why it is vital to keep your insurance company updated about your car insurance needs. For this, you may want to consider taking assistance from Chase value finder, or our partners on the floor.

What Information Will Your Insurance Agent Need?

In order to subscribe to a new auto insurance plan, you will need to provide your agent two essential pieces of information about the car:

• Make / Model

• VIN

Before purchasing the new insurance policy, make sure that you are making a rock-solid decision about the purchase. Obviously, you wouldn’t want to waste your money on a car that doesn't satisfy your needs, would you?

Benefits of Getting a Car Insurance

There should hardly be any doubts on how beneficial a car insurance plan can be. It saves you from paying big amounts of out-of-pocket payments. While choosing an insurance plan, make sure to get your hands on the best car coverage in terms of the following factors:

Collision: it is mandatory to get collision coverage as it reimburses all the damage caused in a car accident

Comprehensive: comprehensive coverage deals with the cost for damages done to the vehicle by non-collision situations. For example, weather, theft, etc

Liability: This type of coverage is compulsory as it covers the costs for your injury and others’ as well when involved in an accident

Car Insurance requirements in Saint Louis, Missouri

According to the Missouri Department of Insurance, the following is the required liability a driver needs to purchase.

• Bodily Injury Liability - $25,000 per person and $50,000 per accident

• Property Damage Liability - $25,000 per accident

• Uninsured Motorist - $25,000 per person and $50,000 per accident

3 Ways to Save Money on Car Insurance in Saint Louis

All in all, car insurance is a crucial part of buying or owning an auto-mobile. You may try to find ways to save money on car insurance without compromising on coverage. Here are some tips that might help:

Buy an easy-to insure vehicle: buying cars that are affordable to insure will help you save a great deal of money. Insurance premiums for a sports car and luxury models are pricey. Consider buying a car that covers your basic requirements with its non-extravagant features, as it will reduce the insurance cost.

Look for discounts: As soon as you connect with your insurance company, inquire for any ongoing discounts. Next, make the most of any available one!

Ask your insurance agent. They will recommend ways to save up money by a student discount etc.

On the whole, it is a good idea to protect yourself from unfortunate mishaps with a car insurance policy. Besides, now that you have learned the benefits of opting for a car insurance plan, get one and head over to Chase Auto Group. You certainly don't have to give up on a car just because you can't show insurance proof! You can also take advantage of the Chase car finder to help you find the best auto mobile.