Auto Insurance Agent in St. Charles, MO

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Financial Responsibility (Auto Insurance) is mandatory. Auto insurance, obtainable through Atchison, Auto Insurance Agent in St. Charles, MO, covers your liability you incur as the result of an automobile accident that you are determined to have been at fault in. Everyone who operates a vehicle must purchase Auto Insurance Agent St. Charles MO | Atchison Insurance Agency INC
and maintain at least the State mandated minimum limits.
The penalties for operating a vehicle without auto insurance are severe.

How Much Coverage You Need?

Choosing the right amount of coverage can be confusing. Do you need high limits or can lower limits or will lower limits work for you? Making the wrong choice can be financially devastating to you and your family. Let our auto insurance agent in St. Charles, MO help you make good insurance coverage decisions.

Some factors may affect your rates.

While criteria may vary slightly from company to company, determining factors fall into four basic categories.

» You - Your age, gender, marital status, driving record and record of prior claims play a major role in determining the premium you will pay.
» Where you live - Living in an urban area typically triggers higher rates due to increased incidence of theft and accident claims - both of which are statistically higher in and around cities.
» Your vehicle - The type of vehicle you drive greatly affects the rates you pay. Those vehicles that have a high frequency of claims (sports rated vehicles) or are expensive to repair (luxury cars, SUV's) usually generate higher premiums.
» How you use your vehicle - The more miles you drive the greater chance you have of being involved in an accident. High annual mileage will result in higher premiums. Business use may be substantially higher and depending on the kind of business and use, you may require a commercial auto policy.
Another way to reduce your premium is to increase the amount you self-insure by increasing the deductible amounts on the physical damage coverage for your vehicle.

Another way to reduce your premium is to increase the amount you self-insure by increasing the deductible amounts on the physical damage coverage for your vehicle.

Some Discounts may be available:

» Multiple auto
» Multiple Line (Home, Auto, life)
» Passive restraint
» Anti-Theft device
» Good student & Driver Training
» Accident free
» Air Bags
» Low Mileage
» 4 Door

For more information call our office and set up an appointment with an auto insurance agent who can discuss your situation. (636) 441-2440