instant online auto quote, good for you?

Ok so I was bored today and while watching tv,  I noticed that safe auto was sponsoring everything that I was watching so I went to the site to get a quote.

Now I recognize that I may not be their typical driver to insure, but I would think that they would want me as a customer because I am typically a safe driver, never been in an accident (knock on wood) and not really one who files claims since I know how insurance should work.  But while getting my quote, I learned that they only offer state minimums which in Missouri is only $25,000 per person protection, $50,000 per accident maximum, and $10,000 property damage (how many cars can you buy for less than 10k?).   I don’t want state minimums I want real protection, so right from the begining I saw a big red flag.  

As a personal insurance advisor, it is my job to tell you that in todays world there is a very very very good chance that if you get into an accident this is not enough coverage.

Well to keep from rambling on, my quote for the following coverage came out to $809 for 6 months for our 2005 toyota corolla and 1999 ford explorer sport.

Bodily Injury/Property Damage 25,000/50,000/10,000

Medical $1000

Accidential Death Benefit $10,000

Comprehensive /  Collision deductibles  $500/$500

Towing & Labor $40

Rental Car Coverage $20/day

Now because I am an independent agent I have multiple companies that I can access and since I know how insurance works here is the policy that I currently have:

Bodily Injury/Property Damage $500,000/$500,000/$100,000

Uninsured / Underinsured Motorist $500,000/$500,000

Medical $5,000

Accidential Death Benefit $

Comprehensive /  Collision deductibles  $250/$500

Towing & Labor $100

Rental Car Coverage $30/day

Comparing the numbers I have now protected myself by 20 times the coverage for only $634 for 6 months.

Now everyones results may differ from mine depending on where you live, your age, driving history, credit, and many other factors.  But the point I am trying to make here is that it is a benefit to you to contact an Independent Agent who has access to many different companies to see what your options are.

Each insurance company has a type of person they want to insure and by my quotes I am fairly confident that the company I have my insurance through wants my business more than safe auto, will that be your case?  I don’t know, but you never know until you try.  It never hurts to get a second opinion, and we are willing to do that for free with no obligation.  No matter who you are with, more often than not, the middle man can help.  Call us today! 816-254-6100

~travis

P.S. Progressive quote is next.