How to Choose the Right Auto Insurance Coverage for You

Auto insurance is one of those things that everybody knows they need, but few people actually understand. When it comes time to choose a policy, most people simply pick the cheapest option and hope for the best. However, this is a risky strategy, as a cheap policy may not provide adequate coverage in the event of an accident. In order to find the right auto insurance coverage for you, it is important to understand the different types of coverage available. Only then can you make an informed decision about what level of protection you need.

Focus Insurance in Eureka, MO provides this guide in navigating auto insurance.

Here is how to choose the right coverage for you:

1. Decide What Type of Coverage You Need

The first step in choosing the right auto insurance coverage for you is to decide what type of coverage you need. There are four basic types of coverage: liability, collision, comprehensive, and uninsured/underinsured motorist. Each type of coverage protects you in different ways, and you will need to decide which type of coverage is right for you based on your individual needs.

2. Consider Your Budget

Once you know what types of coverage you need, you can start considering your budget. Auto insurance can be expensive, so it is important to find a policy that fits your budget. Don’t sacrifice coverage in order to save money, but do look for discounts that can help reduce the cost of your premium.

3. Get a Quote

The best way to find the right auto insurance coverage for you is to get a quote. By getting a quote, you will be able to compare different policies and find the one that offers the best coverage for the best price. Make sure to get quotes from several different companies in order to get an accurate comparison.

4. Read the Policy Carefully

Once you have found the right auto insurance policy for you, it is important to read the policy carefully. Make sure you understand what is covered and what is not covered under the policy. If you have any questions, be sure to ask your agent or broker before you purchase the policy.

5. Review Your Coverage Annually

Your needs will change over time, so it is important to review your auto insurance policy on a yearly basis. Make sure the coverage you have still meets your needs and adjust your policy accordingly.

Contact Us Today

Choosing the right auto insurance coverage can be a challenge, but it is important to make sure you have the protection you need. By following these steps, you can be sure you are getting the right coverage for yourself. If you have any questions, be sure to contact Focus Insurance in Eureka, MO today for more information.

Who needs to have auto insurance in Eureka?

Owning a vehicle in the Eureka, MO area continues to be a necessity for a lot of people. If you are looking for a vehicle when you are here, it is important that you carefully assess your personal responsibilities as well. One responsibility that you will have is your need to get insurance. There are various reasons why you need to have auto insurance coverage when you are here. 

Coverage is Needed for Those with Loans

A reason that you need to get auto coverage is that it could be required if you have taken out a loan. Due to high vehicle costs and low-interest rates, now is a great time to finance a vehicle. If you choose to take out a loan, your lender will always require that you get proper insurance coverage. This will often include requiring you to have collision and comprehensive coverage until you have paid off the full balance of the loan. 

Coverage is a State Requirement

You should also get an auto coverage plan to comply with state requirements. Those that want to drive a car in Missouri will need to carry insurance at all times. If you drive a car on a public road and do not at least have liability insurance, you could find yourself in violation of the law and can face various penalties. 

Those that are in the Eureka, MO area will always want to ensure they have proper insurance coverage. For vehicle owners that are looking for a new plan, calling Focus Insurance is a great option. There are a lot of choices that go into picking auto insurance and Focus Insurance can make it easier for you. The team here will help you assess your needs and options and build a quality plan. 

Which Auto Insurance Policy is Right For You?

When you are shopping for auto insurance, what factors do you consider? When buying auto insurance, it’s usually a balancing act between needs, preferences and cost.  While there exist several auto insurance coverages, how do you know the ones suitable for you? How do you choose coverages that answer your specific needs? If you are unsure which auto insurance is right for you, Focus Insurance in Eureka, MO, is here to guide you.

Understanding different types of auto insurance coverages

Even if you are a seasoned motorist, buying auto insurance calls for some research. And as you build your auto insurance know-how, you must first understand the below car insurance coverages:

  • Liability insurance: This coverage protects you when you cause bodily injury or property damage to other people. This coverage is mandatory in many states, including Missouri.
  • Comprehensive coverage: It covers your vehicle from physical damage caused by non-accident perils like fire, theft, and natural disasters.
  • Collision coverage: It covers your vehicle from physical damage of collision with stationary objects or other motorists.
  • Medical payments / Personal Injury Protection (PIP): It covers medical expenses for you and your passengers following an auto accident.
  • Underinsured/uninsured motorist coverage: This insurance plan covers you when you collide with a motorist carrying no or insufficient auto insurance. Besides, it covers hit-and-run scenarios.

The above are typical auto insurance coverages. You can also consider the below add-ons to boost your auto insurance policy.

  • Roadside assistance
  • Spare parts coverage
  • Engine protect
  • Zero depreciation
  • Consumables coverage
  • OEM endorsement

At Focus Insurance, we usually recommend you choose auto insurance coverages you can afford comfortably. Consider your financial situation, too. Do you own many assets? If yes, you need higher liability coverage. Also, when deciding about deductibles, think about your cash flow position – settle on a deductible amount you can afford.

Learn more about auto insurance in Eureka, MO

Would you like to get more information about auto insurance? If so, don’t hesitate to get in touch with Focus Insurance to get more insights on auto insurance.

Why basic auto insurance may not be right for you

Basic auto insurance is right for some people. It is up to you to decide if you are one of them. It isn’t for everyone since, well it is basic. There are many reasons why it may not be right for you and by talking to your local independent insurance agent you can come up with the perfect auto insurance for you. In Eureka, MO that is Focus Insurance. With more than 20 years of experience, we can provide the guidance you need. 

In Missouri, basic insurance means liability coverage only. You must have 25/50/10. That is $25,000 for one individual in an accident for medical bills and injuries with $50,000 for the complete accident. $10,000 is for property which isn’t much when you consider the price of a vehicle. 

Basic liability coverage is fine if you don’t have a lot of assets. But if you have assets you need to make sure they are protected, and you will need considerably more than basic liability coverage. If you have a lot of assets you may even want to consider adding an umbrella policy for maximum protection. 

While basic insurance protects other people from you, what about your vehicle? If you are a normal person you count on your vehicle every day to do the things that people do, go to work, shop, run errands, and more. If you are responsible for an accident you are responsible for repairing or replacing your vehicle. If you could do that without insurance then maybe basic coverage is okay but if it would be a hardship then you need to carry collision insurance. Comprehensive insurance is another type that protects your vehicle from things beyond your control 

When you are ready to discuss what you need from auto insurance, contact Focus Insurance in Eureka, MO. 

Who can I add to my auto policy

In the state of Missouri, you are required to have basic auto insurance. This means basic liability coverage of 25/50/25 and uninsured motorist coverage of 25/50. Your auto insurance will cover all the vehicles you own. Most people have one insurance policy for all of their vehicle and all their immediate family members. When you are in the market for auto insurance Focus Insurance in Eureka MO we have been in business for more than 20 years and offer our customers insurance products from 15 national carriers. 

Auto insurance can be considered a family affair. All of the family members who live in your home can and should be added to your policy. You and your spouse or partner will be the primary insured members and then any other licensed drivers who may drive your car. This includes your children but it can also include grandchildren, nieces and nephews, in-laws, and any family members who actually live in your home and will be driving your vehicles. 

If you have children who have moved out of the house but who you still support, they can also be listed on your auto policy. This means college students get to stay on their parent’s policy. Once a child owns a home or apartment they are considered financially independent and need to get their own policy. If your child marries they need their own policy unless they live with you. 

If you have a caregiver who will be using your vehicle regularly, you should talk to your insurance carrier to see if they need to be listed on your policy as well. But since the insurance is on your vehicle, they may not need to be listed. 

At Focus Insurance in Eureka, MO, we are locally owned and operated and we are here to help you chose the best auto policy for your needs. 

Types of Auto Insurance Coverages

Having auto insurance is crucial if you want to protect yourself and your vehicle. It is also illegal to drive without proper insurance. However, how do you know what type of coverage you need? Below there are six main types of auto insurance that are available when you purchase a policy.

Liability

It includes two parts – property damage liability and bodily injury liability. The purpose of this type of auto insurance is to pay for the other party’s vehicle repairs and medical bills in case of a road accident. 

Collision 

This insurance covers repairs and the replacement of your vehicle after an accident. It also covers damage caused by collision with an object (for example, a tree or house) or an accident in which objects are not involved (for example, if the car flips). 

Comprehensive 

The goal of this type is to protect a vehicle against damages that are not caused by road accidents. For example, if a tree falls on your car, or it is stolen, comprehensive car insurance will step in and cover financial losses and repairs. 

Personal Injury Protection (PIP)

It is also known as no-fault insurance. It covers your medical expenses in case of an accident regardless of whose fault it was. Coverage can also extend to other drivers included in the policy, members of your family, and passengers. 

Auto Medical Payments

It is similar to PIP coverage, but it is more limited. It covers accident-related medical expenses for you as a driver, other policyholders, your household members, and passengers.

Uninsured Motorist Coverage

If you are injured, or your car is damaged in an accident caused by a driver without proper auto insurance,  this type of insurance will cover car repairs and your medical bills. 

If you are a car owner living in Eureka, MO, and you are looking for auto insurance for your vehicle, contact Focus Insurance. This reliable company has been in business since 1999. Whether you are looking for a new car insurance policy or you have questions to ask, do not hesitate to call Focus Insurance, whose qualified insurance agents are more than happy to assist. 

Do I Need More Than Basic Auto Insurance Coverage

As a car owner in Missouri, you have thousands of miles of road to enjoy. Unfortunately, you are not the only one who is using those roads. Protecting yourself and others with auto insurance is important. Missouri mandates that you have liability insurance to protect those who are hurt in an accident that you cause. You must carry $25.000 per person, $50,000 per accident for bodily injury, and property damage coverage of $10,0000. At Focus Insurance in Eureka, MO, our team of experienced agents can help you make sure you comply with the law.

If you cause a severe car accident, the cost of damages could easily go way beyond the state-mandated basic coverage. If you have assets, they could be in danger since you would be required to pay the additional amount personally. It isn’t worth risking the loss of all that you have worked so hard to accumulate. While liability is an important coverage, what about the damage that can happen to your car? If your vehicle is stolen and damaged seriously in an accident, could you afford to replace or repair it? When you carry collision and comprehensive coverage, you are protecting your vehicle. Most lenders require that you carry it, but after the auto loan is paid off, it may be tempting but not necessarily wise to remove this critical coverage. 

If you are getting auto insurance for the first time or are ready to talk to someone about a change of policy, you can stop by the office of Focus Insurance in Eureka, MO for a no-obligation quote. You can also give us a call or use our online rating tool to get a quote from home. Having the coverage you need is vital for your peace of mind. 

When Minimum Liability Coverage Doesn’t Cut It

In Missouri, drivers are required to carry two types of auto insurance:  liability and uninsured motorist.  Minimum liability amounts are defined by the state as 25/50/25.  The first 25 represents $25,000 in bodily injury for each person.  Fifty thousand is for bodily injury per accident.  The final $25,000 is for property damage.  While this seems like a lot of coverage, liability insurance only covers the medical expenses of the other person in an accident where you’re are at fault.  In the Eureka, MO area, the agents at Focus Insurance can answer all your questions.

If you cause an accident, your liability insurance will cover the other person’s expenses.  You will be responsible for your own medical and repair costs out of pocket.  Moreover, if their medical expenses exceed the policy cap, they have the right to sue you for the additional funds.  In that case, you will also be responsible for their legal fees.  Suddenly those minimum liability insurance coverage limits seem rather limiting.  

To protect yourself financially, the better option is a more comprehensive insurance policy.  A comprehensive and collision policy will take care of you even if you are hit by an uninsured/underinsured motorist.  It will cover your repair costs and medical expenses.  Many policies will also provide a rental car while your own is being fixed.  If the vehicle is a total loss, it will pay to replace it in most cases.  It will also support you if the vehicle is stolen.  It’s easy to see that for a small investment, this is a better, safer option for you and your family.

The team at Focus Insurance work with drivers throughout the Eureka, MO area.  Don’t wait until an accident happens, visit them today to discover the better way to protect yourself and your car.

Tips for First Time Car Buyers Looking for Auto Insurance

For first-time car buyers, purchasing auto insurance is a big "next step." You probably have many questions regarding how much insurance you need, what it will cost, and how you can save money on an auto insurance policy in Eureka, MO. At Focus Insurance, we’re here to help. Read on to learn some important tips for first time car buyers looking for auto insurance.

The Title

Who owns the title to your new car? If you have a loan, then the bank does. But if you own the vehicle outright, then you own the title. If you’re dealing with a bank loan, then you will need full coverage. However, if you own your car, you only have to purchase the state minimum required by Missouri law.

What Type of Car Did You Buy?

This will affect the price of your insurance. For example, if you purchase a fast sports car, you can expect your insurance to be higher than if you purchase a small, four door sedan. Take this into consideration before you start looking for auto insurance in Missouri.

How Often do You Drive?

If you’re commuting only five or so miles a day, this makes a big difference compared to a commute that takes an hour or longer into a big city. The less you drive your car, the more you can save on your insurance. Talk to an agent at Focus Insurance about this to find out how you can save money by keeping the miles you drive on the low side.

Compare Quotes and Bundle

When looking to purchase auto insurance, you can save money by bundling any other insurance policies you have under one insurance agency. It’s also a good idea to compare at least two or more auto insurance quotes to find the best policy at the right price.

To find out more about purchasing auto insurance in the Eureka, MO area, contact the reputable team at Focus Insurance today.

Who Covers the Damage If My Windshield Is Broken By Flying Gravel?

The agents of Focus Insurance understand how frustrating it can be when you’re driving down the road and a piece of loose gravel hits your windshield causing it to chip and crack. If you live in Eureka, MO, your first step should be to contact your insurance company. Cracks and chips can be distracting, making it difficult to keep your eyes on the road so getting them fixed is imperative, but who will pay for it?

Loose Gravel 

In most cases, chips and cracks caused by loose gravel are simply considered a road hazard and are paid for by your insurance company if you have comprehensive insurance. If you have collision insurance or PL/PD coverage, you will be responsible for the damages. In most cases, it’s almost impossible to determine who is liable even if you know which car caused the gravel to hit your car.

Stay Away From Construction Trucks

One of the biggest causes of flying gravel is construction trucks. Entering a construction zone will always come with some level of risk. The best rule of thumb is to stay as far back as you can from dump trucks carrying gravel. If you are several yards away and still get hit, you may be able to turn the construction company’s information and the license plate of the truck into your insurance agent. They can contact the company to see if they will pay for the damages.

If your windshield has been broken or damaged by falling gravel or loose stone, call the agents at Focus Insurance. We are available to help Eureka, MO residents get their windows fixed as quickly and affordably as possible. Call our office today to talk to a licensed agent.