Every state has tried to protect road users by ensuring that drivers have some form of insurance to provide compensation to accident victims. The state of Missouri is not exempt from this. Ever driver in Missouri is expected to adhere to the guidelines as stipulated by the state's Motor Vehicle Financial Responsibility Law. Failure to adhere to this could result in the loss of your driving license and or jail time.

To drive legally in Missouri, you need to have the following minimum liability cover:

* $25,000 minimum liability cover for bodily injury per person.
* $50,000 minimum liability cover for bodily injury per accident.
* $10,000 minimum liability cover for property damage.

You are also required to have an uninsured Motorist cover so you can protect yourself and your passengers in case you are involved in an accident with an uninsured driver.

Do not make the mistake of being satisfied with having the state required minimum cover. To be fully covered, you would need more than these minimum. Talk to your insurance agent about collision cover, comprehensive cover etc.

Getting more cover means spending more. You can however get affordable auto insurance if you know what to do.

Here are a few things that can help you find affordable auto insurance cover.

* Get and compare quick auto insurance quotes. The more quick auto insurance quotes you can get and compare, the more easily you can find cheap rates.
* Take advantage of discounts. Discounts would result in more savings for you. Find out the discounts available to you by talking with your state accredited insurance agent.
* Increase your deductible and reduce your rate. The higher your deductible is, the lower your rates would be. That is a simple law.

Do not ever be in a situation where you are not sure what your state requires from you as it pertains to auto insurance regulations. For any insurance questions, call the Missouri Department of Insurance on 573-751-4126