Insurance quotes and assistance

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Auto Insurance

Commercial Auto Insurance and Personal Auto Insurance
Keeping Auto Insurance Premiums Low
Take Advantage of Insurer Websites
Am I The Only One That Thinks Auto Insurance Rates Are Freaking Ridiculous?!
Flustered About Auto Insurance?
Auto Claim DENIED…WTH!!!
How much auto insurance do I need?
Do all states have a mandatory auto insurance minimum?
How do I get the best policy value for my money?

Health Insurance

Health Insurance Decisions
Do you need health insurance?
Indemnity Plans
Health Insurance Dissected…Lighten Up!
5 Things Every Health Insurance Policy Holder Needs to Do Now
Tips for Working with Customer Service
What are the most popular types of health insurance plans available?
What exactly does my health insurance premium pay for?
What is a main hospital plans?

Home Insurance

Renters Insurance Stripped
Whose Home Insurance is Responsible?
Umbrella Insurance
Expecting Home Insurance Premium Increases
5 Steps Home Insurance Policy Holders Must Take Now
What Home Insurance doesn’t Cover
Do I have to have home insurance?
How do I get the homeowners policy that gives me the best value for my money?
What if someone is injured on my land?

Life Insurance

Don’t Screw Up Your Life Insurance!
The Case for Term Life
Lying to Insurers
It’s Time To Stop Bashing Life Insurance Coverage! Have You Got A Better Solution?
Should You Sell Your Soul To The Insurance Company In The Pale Moonlight?
Do You Need a Trust?
How much life insurance do I need?
How do I get a life insurance policy that offers the best value for my money?
Should my spouse and I have separate life insurance coverage?

Missouri Insurance Guide

Missouri is a great state for tourism, residency and business. The state is strong on renewable energy and clean water and provides for many of the special needs of its residents. Their state insurance regulations reflect this attitude of caring.

Missouri Auto Insurance

Missouri auto insurance regulations require drivers in the state to carry uninsured motorist coverage along with at least $25,000 in bodily injury liability for single-person injuries, $50,000 for multiple person injuries and $10,000 in property damage liability. The state does not require personal injury protection and is an at-fault state.

Missouri Health Insurance

Missouri health insurance regulators have created a high-risk insurance pool to help insure those who are uninsurable due to pre-existing conditions. This is helpful since the state does not require insurers to issue individual coverage for those individuals. They also allow the deduction of health savings account (HSA) contributions from state income taxes.

Missouri considers two or more individuals a “group” for purposes of health insurance. Pre-existing conditions can be excluded up to 12 months in a group for those individuals who have had a 63 day or longer break in coverage over the past 6 months. Group insurance rates in Missouri are restricted by rate bands.

Missouri Home Insurance

Missouri home insurance regulations place stiff limits on what events qualify a homeowner for insurance policy cancellation. Luckily, policies cannot be cancelled for place of residence, gender, race, creed, occupation or location. They can, however, be cancelled for nonpayment of premium, fraud, or changes that increase the risk to the property and, therefore, the insurer.

Missouri residents should be sure to buy appropriate tornado coverage within their policy since the state has a high tornado incident rate.

Missouri Life Insurance

Missouri life insurance regulators created the life and health branch of The Missouri Insurance Guaranty Associations to ensure that residents get their claims paid even if their insurer becomes insolvent. The life and health branch of the associations provides up to $300,000 in death benefits and $100,000 in cash values to Missouri life insurance policyholders with bankrupt insurers and payable claims.

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