As Missouri's third largest city, Springfield boasts a population of around 156,000 people according to United States census data. Springfield has been regularly renowned as an especially safe, well-run city, and it boasts a rich history and many major landmarks and monuments.
There are a number of factors that affect Springfield auto insurance quotes, and understanding those factors can help drivers find great rates. For instance, because Springfield, Missouri has a relatively low incidence of auto theft, many types of insurance coverage are less expensive in the city. As Springfield is regularly subject to wild weather, from snowstorms to tornadoes and even flooding, drivers in the city should consider comprehensive coverage on their vehicles that includes protection from natural disasters. This isn't necessarily default coverage on your Springfield car insurance policy; it's important to carefully read the terms of your agreement and ask your insurance agent for clarification if you're not sure whether you have adequate coverage.
Before looking at Springfield car insurance quotes, drivers should also be sure to consider the state required minimums. In Missouri, drivers are required to carry $25,000 per person in bodily injury liability coverage, up to $50,000 per accident (meaning that coverage for at least two other persons involved in an accident is a required part of bodily injury liability coverage). Missouri also requires a minimum of $10,000 in personal property damage coverage, and an additional $25,000/$50,000 in uninsured motorist bodily injury liability. These minimums are higher than some other states, and they drive up the costs of coverage. However, they're still fairly low when considering the potential costs of an accident. Drivers in Springfield should consider buying more than the absolute minimum state requirements for car insurance. Missouri, like many states, uses fault-based insurance, also known as a tort system. This means that in an accident, one driver is found to be at fault, and that driver's car insurance covers the costs of the accident.
In order to get the best possible Springfield car insurance quotes, drivers should get as many quotes as possible for comparison. This can be accomplished easily through the use of car insurance cost comparison websites. We offer a tool that allows drivers to easily compare quotes from major insurers by simply entering a zip code. There are quite a few benefits to getting multiple car insurer quotes--negotiation becomes easier, and it's a simple matter to compare coverage levels and premiums to make an educated decision. Every driver in the Springfield area should evaluate his or her car insurance rates every few months, and our comparison tool makes this process simple, easy, and effective.