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FAQs About Missouri Car Insurance
I Am a Low-Income Driver. What Can I Do About Getting Car Insurance in Missouri?
Everyone deserves affordable car insurance. Thankfully, there are many options for low-income drivers in Missouri. One of the most important items for these drivers to consider is the large number of discounts that could be available to them.
Never assume that you do not qualify for discounts on your car insurance purchase. A discussion with your insurance agent could provide you with helpful information on saving money on your car insurance.
Can an Undocumented Worker Get Car Insurance in Missouri?
At the current time, the short answer is no.
Insurance companies will only offer liability policies to individuals who are licensed to drive in their home state. As a matter of fact, the terms included in all liability policies require drivers to maintain a license at all times.
Some states have adopted a program known as the Driver Authorization Card (DAC) that allows undocumented workers to obtain driving privileges. These cards do not indicate citizenship or allow an individual to vote, but it does grant them the right to legally drive. Insurance companies will provide coverage to drivers with a DAC.
Missouri is not one of the states that offer this option to undocumented workers. For that reason, there is no option for undocumented workers to secure vehicle liability coverage in the state.
Is It Possible to Get Car Insurance in Missouri With a DUI Mark on my Record?
If you have been convicted of DUI in the past, your criminal record will not bar you from obtaining car insurance in the future. That said, a DUI on your record could make finding a policy difficult. You can also expect to pay substantially more, given that you are considered a high-risk driver.
If you have a DUI on your record, you will require an SR-22 to prove to the state that you have adequate liability coverage. An SR-22 is not a type of insurance, but a notice of coverage provided by the carrier.
The idea of finding car insurance after a DUI might be intimidating, but there might be options for you that are within your budget. Some insurance companies offer policies tailored to individuals with DUI convictions. Talk to an insurance agent to learn if this option is right for you.
Get a Missouri Car Insurance Quote Today!
The law requires that you maintain liability insurance if you intend to drive in Missouri. There are serious consequences for driving without coverage, including jail time, fines, and the loss of your license. What’s more, driving without adequate coverage could leave you in severe financial straits if you cause an accident.
You can protect yourself by securing car insurance with Freeway Insurance. To get started, contact us online or visit a Missouri office near you. You can also call us at (800) 777-5620 for a free quote. Contact us today!