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Car insurance covers much more than just your vehicle. We'll help you find the right balance of coverage, deductibles, and price to keep you protected on the road.
Start a Free QuoteAuto insurance provides financial protection against losses resulting from vehicle accidents, theft, and other covered events. A standard auto policy includes liability coverage (bodily injury and property damage), collision, comprehensive, uninsured/underinsured motorist coverage, and medical payments.
With the number of vehicles on the road and the distractions drivers face daily, the chances of being involved in an accident are real. Having the right auto insurance limits is serious business — if you're found at-fault for someone else's injuries, you could face significant financial liability without proper coverage.
Because Insurance Plus is 100% independent, we can compare your current coverages across multiple carriers to find the best combination of coverage and price. The best part? It doesn't cost you a penny more to work with us.
For additional protection, consider pairing your auto policy with an umbrella insurance policy for extra liability coverage.
If you're involved in an accident and found at-fault for someone else's bodily injuries, you could face financial ruin if you're not properly insured. What many drivers don't realize is that having strong coverage doesn't necessarily mean paying higher premiums.
We'll review your current limits, identify any gaps, and present options that keep you properly protected without overpaying. We work on your behalf and are compensated by the insurance carriers directly — our service comes at no additional cost to you.
Missouri law requires minimum liability limits of 25/50/25 — $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. However, state minimums often aren't enough to fully protect you in a serious accident.
We typically recommend higher liability limits along with uninsured/underinsured motorist coverage to ensure you're adequately protected, especially if your assets exceed minimum coverage amounts.
We compare options across our carrier network so you get the best coverage at the best price.
A dedicated advisor who knows your family and your policies — not a call center.
We advocate for you during the claims process from start to finish.
Extra liability coverage beyond your auto policy limits.
Learn MoreCoverage for your motorcycle with similar protections to auto.
Learn MoreSpecialized coverage for classic and collector vehicles.
Learn MoreBundle your home and auto for multi-policy discounts.
Learn MoreGet a personalized insurance review from our Columbia, MO team.
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