Auto Insurance in Missouri and Arkansas

Both Missouri and Arkansas require drivers to maintain certain minimum liability insurance coverage. Required limits and coverage can differ by state. We can help you understand the requirements and, more importantly, determine whether minimum limits provide enough protection for you.

Not necessarily. State minimums are designed to establish the minimum amount of coverage required to drive legally, not necessarily the amount needed to adequately protect your assets following a serious accident.

Collision generally covers damage to your vehicle resulting from a collision with another vehicle or object. Comprehensive generally covers other types of physical damage, including theft, hail, fire, vandalism, falling objects, and animal strikes, subject to the terms of your policy.

Damage caused by hitting a deer or another animal is generally handled under comprehensive coverage rather than collision coverage, subject to the terms and deductible of your policy.

Insurance companies generally need to know about licensed drivers and other driving-age household members. Exactly how each person must be listed, rated, or excluded depends on the carrier and circumstances. It's important to disclose household drivers accurately when applying for coverage.

Usually, yes. Young and inexperienced drivers generally cost more to insure. However, good-student discounts, driver training, telematics programs, and other discounts may help reduce the additional premium.

It depends on your policy, the vehicle you're renting, how the rental is being used, and the coverage involved. Don't assume every rental situation is automatically covered. We recommend reviewing your policy before declining coverage offered by a rental company.

Uninsured motorist coverage can provide protection when an at-fault driver has no insurance. Underinsured motorist coverage may provide protection when the other driver's limits aren't sufficient, depending on the coverage and applicable state rules.

Often, but not always. Many insurance companies provide multi-policy discounts when you insure your home and vehicles together. We can compare the total cost and coverage rather than assuming bundling is automatically the least expensive option.

You don't necessarily need to switch companies every year. However, a review can make sense after a significant rate increase or major household change, such as adding a teenage driver, buying a home, purchasing new vehicles, moving, or changing your coverage needs.