Auto Insurance in St. Peters, MO
Purchasing an auto insurance policy is an essential part of being a responsible car owner and driver. It is also a wise financial investment and a legal requirement in many areas. Understanding auto insurance policy options is essential to making informed decisions.
What Does Auto Insurance Cover? 
Auto insurance typically offers the following coverage:
- Liability coverage is often the legally required portion of a policy. It may help cover the cost of damage you cause to someone else’s property, injuries caused by your vehicle and legal fees if you are responsible for an accident.
- Collision coverage may help cover the cost of collision-related damages with other vehicles or objects.
- Comprehensive coverage may help cover the cost of incidents unrelated to a collision, such as theft, vandalism, animal-related accidents and weather-related damage.
- Uninsured/underinsured motorist coverage may help pay for your losses if you’re in an accident with a driver who lacks sufficient insurance.
How Does Auto Insurance Work?
Once you purchase an auto insurance policy, you will be responsible for paying regular premiums. These can typically be paid monthly, quarterly or annually. If an incident covered in your policy occurs, you should contact your insurance provider as soon as possible. Your insurance provider will then assess the claim and determine if and how much they will cover. No matter what they decide to cover, you will still be responsible for the deductible amount, which can vary. It’s essential to review your insurance policy thoroughly with your provider to understand how your specific coverage works.
Learn More
For auto insurance near you, contact Cloverleaf Insurance.