Finding the Best Auto Insurance in Blue Springs, MO

Blue Springs, MO is a charming suburb located just east of Kansas City. With a population of over 50,000, Blue Springs offers residents a small town feel while still providing easy access to big city amenities.

As a driver in Blue Springs, having proper auto insurance coverage is important for protecting yourself financially. Auto insurance laws in Missouri require:

• Liability coverage: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, $10,000 for property damage
• Uninsured motorist coverage: $25,000 per person, $50,000 per accident
• Personal injury protection (PIP): $2,500 per person

When shopping for car insurance in Blue Springs, there are a few key things to consider:

Coverage Options

• Liability coverage pays for damage that you cause to others in an accident. Missouri requires minimum liability limits, but experts recommend carrying $100,000/$300,000 or more.

• Collision covers damage to your vehicle from an accident, regardless of fault. This is required if you have an auto loan/lease.

• Comprehensive covers non-collision damage from things like weather, theft, vandalism. Also required by lenders.

• Uninsured/underinsured motorist protects you if you’re hit by a driver with little or no coverage.

• Medical payments covers medical bills for you and passengers after an accident, regardless of fault.

• Personal injury protection pays for medical expenses and lost wages after an accident. Required in MO.

• Gap insurance covers the difference between what your car is worth and what you owe on your auto loan if your car is totaled. Recommended for new cars.

Discount Opportunities

• Good driver discount: For drivers with no accidents/violations for 3-5 years

• Good student discount: If you or another driver on your policy maintains a B average or higher

• Multi-policy discount: If you bundle home and auto insurance with the same provider

• Anti-theft features: Discounts for having alarm system, vehicle tracking, etc.

• Defensive driver discount: For completing an approved defensive driver safety course

• Low mileage discount: If you drive less than a set number of miles per year

• Auto-pay discount: For setting up recurring automatic payments for your premium

Top Blue Springs Providers

There are many great auto insurance providers to choose from in Blue Springs, including large national carriers as well as local insurance agencies. Here are some top options:

National Carriers

• State Farm: Large insurer with extensive agent network. Competitive rates and many discounts.

• Allstate: Another major brand with affordable pricing. Offers accident forgiveness and safe driving bonuses.

• Progressive: Known for innovative tools and easy quoting/claims filing via mobile app. Lots of discount opportunities.

• Geico: Focuses on low rates and good customer service. Excellent choice for minimum required coverage.

Local Agencies

• Mid USA Insurance Agency: Family-owned agency operating since 1995. Specializes in auto, home, business, and life insurance.

• Frank Thompson Insurance Agency: Independent agency providing personalized service. Handles auto, home, business, farm, and more.

• Globalgreen Insurance Agency: Local agency offering competitive pricing from multiple carriers. Handles all types of personal/commercial policies.

• Stafford & Stafford Insurance: Agency with 60+ years combined insurance experience. Focuses on honest value for clients.

How to Save on Auto Insurance

There are a few simple steps Blue Springs drivers can take to keep car insurance costs down:

• Shop around every 1-2 years for better rates as insurers frequently change. Compare at least 3 quotes.

• Ask about discounts like multi-policy, safe driver, low mileage, etc. Let agents know if you qualify.

• Opt for higher deductibles like $500 or $1,000 to save on premiums. Have savings to cover out-of-pocket costs.

• Drop unnecessary coverage like rental reimbursement or roadside assistance if you have it through other programs.

• Improve your credit score. Insurers use credit-based scores to set premiums. Better scores mean lower rates.

• Take a defensive driving course approved by your insurer. This can earn a discount up to 10%.

• Ask about usage-based “pay-per-mile” programs. These can save money for low mileage drivers.

Frequently Asked Questions

How much is auto insurance in Blue Springs?

Average annual car insurance costs in Blue Springs are around $1,542 for minimum coverage and $2,814 for full coverage. However, rates vary widely based on factors like age, driving record, vehicle type, selected coverage limits and more.

What auto insurance company is cheapest in Blue Springs?

Every insurer uses its own formula to set rates, so the cheapest company can vary by driver. On average, Geico and Progressive offer the lowest rates in Missouri. But it pays to get quotes from several providers.

Is car insurance mandatory in Blue Springs, MO?

Yes, Missouri state law requires all vehicles registered in the state to be insured. Drivers must carry liability coverage, uninsured motorist coverage and personal injury protection (PIP).

Can I get a discount for paying my car insurance annually?

Yes, most insurers offer discounts of 5-10% for paying your entire 6-month or 12-month premium upfront rather than in monthly installments. This avoids fees and ensures continuous coverage.

Should I get rental car reimbursement coverage?

Rental reimbursement covers the cost of a rental car if your vehicle is in the shop after an accident. This is optional in MO. It can be worth adding if you don’t have rental coverage through your credit card or travel insurance policy.

Does my credit score impact auto insurance rates?

Yes, insurers in MO use credit-based insurance scores as a factor in setting premiums. Drivers with poor credit generally pay more. Improving your credit can help lower insurance costs.

Can I insure an older car or high-mileage vehicle?

Yes, most insurers will cover older vehicles and those with over 100k miles. Liability-only policies are inexpensive for older cars. Comprehensive and collision may not be cost-effective if the car’s value is very low.

How much does gap insurance cost?

Gap insurance costs $300 on average per year. It’s a good idea for newer cars or leases. Gap insurance covers the difference between the car’s depreciated value and what you still owe on the loan if it is totaled.

Can I get SR-22 proof of insurance in Blue Springs?

Yes, drivers who need an SR-22 filing after a DUI, traffic offense or license reinstatement can obtain SR-22 insurance from any Missouri provider. Rates will be higher due to the high-risk status.

What discounts should I ask about?

Common auto insurance discounts include multi-policy, safe driver, anti-theft devices, low mileage, good student, defensive driving course completion, auto-pay, paperless billing, affinity group memberships, and more.

Finding the right auto insurance doesn’t have to be a headache. Following these tips and shopping around with both national and local Blue Springs providers can ensure you find a policy that fits your coverage needs and budget. Protect yourself and your family on the road with proper insurance.