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.