Insurance companies look at multiple factors when setting rates for auto policies. Some drivers can control, but others are outside of a driver’s control. Here are a few of the details that can impact auto insurance rates.

Driving Record and History

One of the primary factors affecting auto insurance rates is the driver’s history. Incidents like accidents, traffic violations, and DUIs can significantly increase premiums. Conversely, we at Focus Insurance usually see clean driving records correlating to lower rates.

Vehicle Type and Usage

The make, model, and age of the insured vehicle(s) affect safety and repair costs. They thus directly influence the rates of multiple coverages. Liability rates may be lower for safer vehicles, but damage coverages might cost a bit more.

Driver’s Age and Gender

Younger drivers, especially teen drivers, face higher insurance rates due to inexperience. Gender can also influence premiums, with some statistics showing differences in risk between male and female drivers.

Credit History

In many states, including Missouri, insurers consider credit history when setting auto insurance rates. A good credit score indicates financial responsibility, which insurers might view as safer on the road.

Location and Local Risk Factors

Where a driver lives, whether in Eureka, MO, or elsewhere, has a role in accident rates, crime rates, and other factors that insurers consider. Where a vehicle is kept, such as in a garage or on the street, is also a factor.

Tailoring Auto Insurance to Your Needs

Auto insurance rates are influenced by various factors, making it important to work with knowledgeable agents when shopping for a policy. At Focus, like Focus Insurance, our agents have the expertise necessary to help you find auto insurance in Eureka, MO.

Missouri takes auto insurance seriously, and the consequences can be serious if you are found operating a motor vehicle without a valid insurance policy. However, there may be questions about who is covered under a particular policy and which cars are covered. Focus Insurance can answer your questions about your Eureka, MO policy.

Who Is Covered Under a Missouri Auto Insurance Policy?

The State of Missouri spells out the information you need to provide when purchasing auto insurance. You must give your new provider:

• the name and information of the person purchasing the policy
• the names and information of any other family members living with the policyholder, such as a spouse
• and the name and information of any other people who have permission to drive the vehicle

Insurance companies offer rates based on risk, and they have the right to know what kind of risk they are taking. 

Can Your Insurance Company Exclude Certain Drivers?

Your auto insurance company can exclude certain drivers, even if those drivers live in your home. Even if the policy covers other individuals, it may only pay out to certain minimum policy limits.

The important thing is to read your policy to understand who is covered and who is not. If you have any questions or need additional coverage, speak with your representative about how to add that coverage.

Call Today For Options

There are so many choices you can make regarding your auto insurance policy. What kind of protection do you need? How much protection do you need? To make the best-informed decision for yourself and your family, call Focus Insurance in Eureka, MO today for more information.

Getting into a car accident can be a stressful experience. In the aftermath, it’s hard to remember what to do. We all hope an accident never happens, but here at Focus Insurance, we want to ensure you’re not unprepared.

Here are five actions you should take after a car accident:

1. Get to a safe location, and turn off your car. Make sure it’s safe to exit your vehicle. Then, turn your vehicle off, as a gas leak could lead to a fire.
2. Contact the local police. They can file an official incident report and collect information from everyone involved. If you’ve crashed in an area where it is unsafe to exit your vehicle (like a highway), the police can also help you get to a safe place.
3. Get information from the other driver(s) and police. This includes the driver’s name, driver’s license, vehicle make/model, insurance company and policy number, address, and contact information.
4. Take photos of the damage and write down every detail. At the scene, take photos of your car and any others involved, including vehicle license plates. As soon as you get home, write down all the details you can remember about the accident.
5. Contact your insurance agent to file a claim. Don’t wait! If you’re involved in a car accident in Eureka, MO—or anywhere in the world—call your insurance company to report the incident as soon as possible.

However, the most important step you can take before an accident occurs is to ensure you have sufficient car insurance coverage. This simple step will give you peace of mind.

Have questions about car insurance coverage? Contact us at Focus Insurance today so you’re prepared for tomorrow. We are proud to serve the Eureka, MO area.

Winter is coming, and it’s time to prepare your car for the cold weather. Whether you drive an old beater or a brand-new luxury vehicle, some essential steps must be taken to ensure your car runs smoothly throughout winter. From checking fluids and changing tires to stocking up on emergency supplies and testing batteries, this blog post will provide helpful tips on how to get your car ready for winter weather. So don’t wait until it’s too late—start prepping now with these tips from us at Focus Insurance so you can stay safe while driving in cold Eureka, MO temperatures!

The first step is to check your car’s fluids. Ensure the engine oil, coolant, brake fluid, and power steering fluid are all at adequate levels and that you have the right oil for cold weather. It’s also vital to examine your tires and ensure they are correctly inflated—this will ensure better handling in icy conditions. If possible, it may be wise to switch out summer tires for winter tires with a greater grip on snow and ice.

In addition to checking your car’s mechanical parts, it’s also a good idea to stock up on emergency supplies such as blankets, flashlights, flares, a shovel, a bag of kitty litter (for traction if you get stuck), and a small tool kit. Having these items on hand can make a big difference if you’re ever stranded in the cold.

Before heading out, testing your car battery and checking its voltage level is important. Cold weather strains batteries, so make sure yours is strong enough to handle the winter season. 

For more winter driving tips, call us at Focus Insurance today. We proudly serve the Eureka, MO area. 

Are you a licensed driver living in or near the Eureka, MO area? If so, the Focus Insurance professionals can provide the necessary insurance to ensure you drive legally.

Why is car insurance so important? Quite simply, it provides financial protection. Suppose you are the cause of a car accident. In that case, you will be held responsible for any expenses associated with it, including legal costs, the injured party’s medical expenses, and their lost income if they cannot work. The liability portion of the policy will cover these costs.

Insurance is important. It helps you live with peace of mind knowing that you will receive financial help if an accident occurs. The most obvious benefit of car insurance is the payment of losses. Maintaining the correct type of coverage protects you from other drivers who do not have or have inadequate insurance. Without it, you could suffer a disastrous financial setback leaving you with expensive repair costs and medical bills to pay.

One of the most important things to consider when purchasing car insurance is your state’s minimum liability and property coverage amounts. Simply put, you need to maintain an auto insurance policy so you remain legal to drive. This insurance is mandatory in 48 out of 50 states. Without it, you risk losing your license and possibly paying hefty fines without it.

The three main types of car insurance coverage are:

• Collision coverage protects your car if you hit another vehicle, person, or non-moving objects, such as a tree or fence.
• Comprehensive coverage protects you from things that liability and collision do not cover. Theft, vandalism, fire, or weather events will be covered under this coverage.
• Liability coverage is the most important thing every driver needs to drive legally. It protects you if you cause damage to other drivers.

Make sure you are not driving illegally. Contact Focus Insurance today for a no-obligation quote. You will be glad you did.

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.

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. 

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.

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. 

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.