Call Us 636-791-1330 ☰ ˟
Logo
"Our plans are
based on Yours"
Call Us 636-791-1330
  • Home
  • Get A Quote
    • AutomobileImage of right arrow
      • Auto Insurance Quote
      • Auto Quote Form (short)
    • Homeowners
    • Life
    • Long-Term Care Insurance
    • Motorcycle
    • Other
    • Recreational Vehicle
    • Renters
    • Retirement Plans
    • Watercraft & Boat
  • Customer Service
    • AutomobileImage of right arrow
      • Request ID Card for Auto Policy
      • Request Declaration and Coverages Page for Auto Policy
      • Send Declaration and Coverages Information to Lien Holder
      • Add Vehicle to Existing Auto Policy
      • Remove Vehicle from Existing Auto Policy
      • Add Driver to Existing Auto Policy
      • Remove Driver from Existing Auto Policy
    • HomeownersImage of right arrow
      • Request Declaration and Coverages for Existing Homeowners Insurance Coverage
      • Request Evidence of Insurance
    • Life
    • MotorcycleImage of right arrow
      • Request ID Card for Motorcycle Policy
      • Request Declaration and Coverages Page for Motorcycle Policy
      • Add Motorcycle to Existing Policy
      • Remove Motorcycle from Existing Policy
      • Add Driver to Existing Motorcycle Policy
      • Remove Driver from Existing Motorcycle Policy
    • Recreational VehicleImage of right arrow
      • Request ID Card for Recreational Vehicle Policy
      • Request Declaration and Coverages Page for Recreational Vehicle Policy
      • Add Recreational Vehicle to Existing Policy
      • Remove Recreational Vehicle from Existing Policy
      • Add Driver to Existing Recreational Vehicle Policy
      • Remove Driver from Existing Recreational Vehicle Policy
    • Renters
    • Watercraft & BoatImage of right arrow
      • Request ID Card for Watercraft Policy
      • Request Declaration and Coverages Page for Watercraft Policy
      • Add Watercraft to Existing Policy
      • Remove Watercraft from Existing Policy
      • Change Primary Operator on Existing Watercraft Policy
  • Blog
  • Resources
    • Secure File Area
    • Refer a Friend
    • Important Links
  • About Us
    • About Trinity Insurance Agency
    • Location Map
    • Privacy Policy
  • Contact
    • Contact Us
Home > Auto Insurance Home

Auto Insurance


Auto Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Auto Quote Form
Auto Quote Short Form

Auto Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Add Driver to Existing Auto Policy
Add Vehicle to Existing Auto Policy
Auto Accident Claim
Remove Driver from Existing Auto Policy
Remove Vehicle from Existing Auto Policy
Request Declaration and Coverages Page for Auto Policy
Request ID Card for Auto Policy
Send Declaration and Coverages Information to Lien Holder

Auto Insurance Information

If you drive, you need auto insurance coverage.

But just exactly which type of coverage should you have, and which ones are you required to have?

Following are the key features of auto insurance (depending on your unique circumstances, you may or may not need all these features):

  • Collision: If you’re in an automobile accident, regardless of who is at fault, collision insurance provides protection to replace or repair your vehicle, subject to a deductible.

  • Comprehensive: In the event of hail damage or a tree limb falling on your car (risks not involving an automobile collision), this coverage insures you. Comprehensive coverage pays to repair your vehicle, subject to a separate deductible.

  • Personal injury protection: This type of insurance coverage is for medical and other expenses resulting from an automobile accident for the people specified in the policy, regardless of who is at fault in the accident.

  • Medical payments: This feature provides a limited amount of coverage for you and your passengers’ medical expenses as a result of an accident. The coverage pays regardless of who is at fault.

  • Bodily injury and property damage liability coverage: The insurer agrees to pay damages if you injure someone or his property in an auto accident.

  • Uninsured and under-insured motorists liability coverage: If you’re in an accident with another driver who doesn’t carry any or enough liability coverage, uninsured or under-insured motorists liability coverage allows you to collect damages that you personally experience from the accident.

Missouri Motor Vehicle Insurance (Financial Responsibility)

Missouri law requires that all motor vehicle drivers and owners maintain some type of motor vehicle liability insurance coverage. Unfortunately, each year thousands of Missouri citizens are involved in automobile accidents with drivers who have not maintained the required automobile insurance. This results in unpaid damage claims and higher insurance premium rates for all Missourians.

Missouri motor vehicle owners are required to show proof of insurance when registering a vehicle and renewing their license plates. Liability insurance covers your legal liability when injuries or property damage happen as a result of your actions. The minimum level of coverage required by state law is:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury
  • $25,000 per accident for property

The law also requires you to have uninsured motorist coverage of $25,000 for bodily injury per person and $50,000 for bodily injury per accident.

Nonresidents must maintain insurance that conforms to the requirements of the laws of their state.

You must keep some proof of insurance in your vehicle at all times. If a law enforcement officer asks for proof of insurance and you cannot show it, the officer may issue you a ticket.

The Department of Revenue will be notified that you do NOT have insurance on your vehicle or the vehicle you drive if you are in an accident or a police officer asks you to show proof of insurance. At any time, the Department of Revenue may also ask you to prove you have insurance.

 

The following table lists commonly recommended limits and deductibles for various coverage involved in basic auto policies.
Suggested Deductibles and Limits 
Coverage Deductible
Collision $500 to $1,000
Comprehensive $500 to $1,000
Personal injury protection Deductible doesn’t apply. This coverage may be required in your
state.
Medical payments Deductible doesn’t apply. This feature is optional. If you and
all your passengers have comprehensive health insurance, you
shouldn’t need this additional coverage.
Liability Coverage Limits
Bodily injury $100,000 per person, $300,000 per accident
Property damage $100,000 per accident
Uninsured motorists $100,000 (This coverage may be required in your state; however,
the limit is likely less.)
Under-insured motorists $100,000

Because states’ regulations differ and because you may have unique circumstances, you may need more or less coverage than shown.

  • Increasing your liability limits and your deductibles may be appropriate for you if you have cash reserves. The additional liability coverage raises your premium; however, increasing your deductibles helps offset those additional costs. In fact, increasing your deductible from $250 to $500 could reduce your collision and comprehensive coverage premium by 15 to 30 percent. Going up to a $1,000 deductible could save you about 40 percent.

  • You buy insurance to cover big financial risks. If you’re involved in a major accident and cars are totaled, people are injured or killed, and property is damaged, the total financial impact could be hundreds of thousands, if not millions, of dollars. The liability benefits on your automobile policy help to protect you from this financial devastation. You can’t afford to skimp on liability coverage.

  • If you have a much older vehicle or drive your vehicles until they drop, a time will come when maintaining collision and comprehensive insurance coverage isn’t financially worthwhile. A general guideline is to drop collision and comprehensive coverage on vehicles worth less than ten times the cost for that portion of your auto policy

  • Don’t drop your liability coverage under any circumstance — your old clunker can still wreak havoc in an accident. Besides, your state law probably requires that you maintain liability insurance. And like the money-savvy person you are, you wouldn’t want to put yourself and your family in this kind of financial jeopardy.  


    Call our office now to set up a time to visit about what plan may work for you!! 636-791-1330
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Home| Get A Quote| Customer Service| Blog| About Us| Contact| Refer A Friend
13426 veterans Memorial Parkway, Wright City, MO 63390
P: 636-791-1330 | F: 636-791-1331 | Service@TrinityInsUSA.com
Social Social
Logo

All Rights Reserved Trinity Insurance Agency

Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and Trinity Insurance Agency are independent of each other. Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents.