Independence, Missouri was a major American travel city in the 1800s, as Americans from all over the country would come to the town to being their journey on the California, Santa Fe, and Oregon trails. It's one of the most culturally and historically significant cities in Missouri.
With a population of about 121,000 according the United States census, Independence isn't too densely populated, but it's still a fairly large town (in the top 250 cities in America by population). As such, Independence auto insurance quotes are generally a bit higher than in other areas of Missouri, though not as high as in cities like Saint Louis. Low auto-theft rates and accident statistics help keep premiums low, although these statistics vary from zip code to zip code throughout Missouri. State insurance law in Missouri requires a minimum of $25,000/50,000 for body injury liability and uninsured motorist bodily injury liability and $10,000 for property damage liability. However, it's a good idea to get more than the legal minimum amounts of coverage. It's also a good idea to understand how your insurance works in the event of an accident; in Missouri, insurance law requires one party to be found at fault for an accident. This is in contrast to no fault systems offered by some states, in which both drivers will pay for damages in an accident, but neither driver is legally held at fault.
Drivers in Independence can keep their car insurance premiums down in a number of ways. Most obviously, driving responsibly and keeping a good record will gradually improve a driver's rates. For a more immediate benefit, taking defensive driving courses, parking in a garage at night, and driving a safe vehicle will all help, but the best way to decrease Independence car insurance quotes is to use comparison shopping.
By comparing auto insurance quotes in your area, you can negotiate with car insurers to find the best rate possible. This is particularly true if you're buying more than the legally required minimum amount of coverage--insurers do everything they can to get a driver to start a new policy, and if a driver is well-armed with quotes from their competitors, it's easier to find low premiums. Even if you've already decided to buy a policy from a local Independence car insurance company, having some extra quotes can still help. Our cost comparison tool makes it easy to get a number of quotes from major car insurance companies by simply entering in your zip code, and it's a great way to get great coverage at a reasonable price in the Independence area.