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St. Joseph, Missouri Auto, SR-22, Home, Renters & Motorcycle Insurance

Residents of St. Joseph, Missouri have easy access to the Kansas City metro area. The city also lies close to Iowa, Kansas and Nebraska. It’s famous as the starting point of the fabled Pony Express.

Nowadays, you only need a car to get where you want to go. Still, you’ve got to protect your vehicle. Having car insurance is one of the most secure ways to do so. Come to Cloverleaf Insurance if you want tailored coverage at the best prices.

St. Joseph Residents! Choose Cloverleaf Insurance

Interstate 29, the Pony Express Highway and dozens of other routes run through St. Joseph. Still, every roadway poses hazards to drivers. From 2017 to 2018, the Missouri Highway Patrol registered 40 crashes involving 76 people in the area.

Vehicle wrecks and other incidents might damage your car or the property of others. By working with Cloverleaf Insurance, you won’t have to worry about how you will pay for such losses. We can help you compare and understand the policy offerings available in your local marketplace. We guarantee you’ll always get the appropriate coverage.

Missouri’s Auto Insurance Requirements

All our policies will contain Missouri’s minimum insurance, valued at:

Liability Coverage

  • $25,000 personal injury liability per person
  • $50,000 personal injury liability per accident
  • $10,000 property damage liability coverage

Uninsured/Underinsured Coverage

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident

Liability insurance is critical protection for both you and others, which is why the State of Missouri requires it. You can use these funds to repay others if you are deemed to be at-fault for their injuries or property damage.

Standard Coverage

Auto insurance can offer more protection than minimum liability insurance. We recommend you carry customized protection like:

  • Higher liability limits.
  • Collision coverage to pay for damage to your car following a wreck.
  • Comprehensive coverage to pay for car damage from mishaps like fire, theft or weather.
  • Other protection like roadside assistance, rental car reimbursement or towing coverage.

At the end of the day, your policy should reinforce your personal security. It should also reflect the value of your car. Adding more layers of protection almost always proves to your benefit.

Non-Standard Auto Insurance

Car insurance is something to take seriously. No two drivers are alike, so don't assume you need the same auto coverage as your neighbor or coworker. Your policy must protect you.

Still, some drivers face circumstances that merit non-standard protection. If you own specialty vehicles, have a bad driving record or an SR-22 requirement, you might struggle to track down coverage that remains affordable. With our help, you won’t have to worry. We’ll help you find coverage for your specialty needs, and make sure you always pay a fair rate for your policy.

Get Started Today

At Cloverleaf Insurance, we offer the patience, guidance and expertise to help you find targeted coverage that comes at the most affordable rates. We know you have expectations and a budget. We’ll help you meet your insurance goals.

Don’t get behind the wheel in St. Joseph without the right car insurance. Get in touch with one of our agents today. You can start an online quote for free right now. Or call us at (800) 530-5822 for more information.

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