Auto Insurance

Looking for Auto insurance in Springfield?

We’ve got the options for Auto insurance in Springfield MO.

Whether you live in Springfield, or any other part of Missouri, when most people think about auto insurance, they think about damage to their car. The truth is, auto insurance covers much more than just your car.

Given total amount of cars on the road and the distractions drivers deal with every day, the chances of being involved in a car accident are plentiful.

You’re at risk literally every single day you get in your car.

It’s important to understand what your coverage options are, not just for your car, but for you, and people who may be injured as a result of an accident.

Having the proper car insurance limits is serious business.

If you are involved in an accident and found to be at-fault for someone else’s bodily injuries, you could literally lose everything if you’re not properly insured.

What a lot of people don’t realize is, having great coverage doesn’t necessarily mean having unreasonably high insurance premiums

The best part? It doesn’t cost you a penny more to use us. We have established relationships with top insurers and work on your behalf to properly cover your needs and exposures.

No two insurance contracts are the same, and while two policies side-by-side might look the same, the fine print behind the cover page can vary from company to company. At Millennium Brokers we strive to be knowledgeable in our field, that way you can rest easy knowing that you have the best possible coverage at the best price.

Important Auto Insurance Coverages

When you browse through your policy, you may see certain coverages and wonder exactly what they are, and why they’re on your policy.

Collision Coverage — This is the part of your policy that covers your car in the event of damage from colliding with another vehicle or a fixed object like a tree or guard rail.

Comprehensive Coverage — Comprehensive coverage is commonly known as ‘other than Collison’. This type of coverage can protect you from a tree falling on your car, fire, damage from tornado, flood and even theft.

Property Damage —  This is the part of your policy that compensates the other person for that damage.

Bodily Injury Liability — This can provide coverage if you are found responsible for bodily injury to another driver or pedestrian. Due to the high cost of medical care, it’s dangerous to carry liability limits that are too low. This is something we suggest to look closer at, almost always more coverage here is better.

Un-insured & Under-insured Liability — This can provide coverage if someone else hits you and causes bodily injury to your or your passengers. These limits will come into play if the other driver is in-insured or has insurance, but not enough to cover the loss they cause. In-insured motorist coverage is typically required to be purchased, but underinsured motorist coverage can be optional.

Common Auto Insurance Rating Variables

Age — Insurance companies use age as a primary rating factor. Drivers who are under 25 and over 85 could be charged higher rates. This is in part to the claim activity from other drivers in these age brackets. Making sure you are shopping rates consistently can make sure you are paying a fair rate. Also having a number of years with your prior insurance company can help with your rate too.

Credit — Credit is a metric that has been used in insurance rates for many years. Drivers who have a higher credit score may qualify for lower rates, oppositely drivers with lower credit scores may be charged rates.

Car — The type of car, engine size, safety features, etc.. are all part of determining your rates.

Driving History — Your driving record and loss history plays a substantial role in rates.

Household — Insurance companies typically provide coverage at the household level, meaning they try to rate on the entire household, what the probability of loss will be. If there are multiple drivers in the house who are under the age of 25, that could impact everyone’s pricing in the household.

How to get started with your quotes

If you live in Springfield and are looking for a car insurance and your looking for car insurance look no further! Millennium Brokers makes the process of finding the best company and price easy.

We do all the heavy lifting for you!

To get started, call our office directly, or being your quote below;

Request Your Proposal Here

Are you ready to save time, aggravation, and money? The team at Millennium Brokers is here and ready to make the process as painless as possible. We look forward to meeting you!

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