While most vehicle insurance policies are relatively similar, their small differences that can make finding the right policy a challenge.
If you live in the St. Louis Metro area in Missouri or Illinois, our independent team at Mack Risk Management can help you determine what types of auto insurance coverage you need. We can also create the best package of policies for you—at the best prices. Call us today for a free consultation. In addition to car insurance rates, here are some important considerations to keep in mind when hunting for the ideal car insurance quote.CONTACT US
Auto / Car Insurance
In general, auto insurance covers:
- Bodily injury coverage that pays for the injuries of other people if you are at fault and cause an accident
- Property damage coverage that pays for property damage as a result of an accident that was your fault.
- Uninsured motorist coverage that will pay for your expenses if the other party was uninsured or you were in a hit-and-run.
Common riders to auto insurance policies include:
- Comprehensive coverage
- Collision insurance
- Emergency roadside assistance
- Mechanical breakdown insurance
- Rental reimbursement
Some policies will also have incentives for safe driving, allowing you to save money on your premium if you don’t file a claim for a certain period of time.
Commercial truck insurance is commercial insurance aimed at owner/operators, motor carriers, and private carriers who use trucks to serve a commercial purpose. In addition to ordinary commercial vehicle coverage, these policies may also include:
- Truck cargo insurance
- Truck liability insurance
- Rental reimbursement
- Trailer interchange
Insuring an RV can be tricky. Traditional homeowners insurance doesn’t cover RVs, but neither does ordinary auto insurance. Specialized RV insurance covers the same basic state requirements as car insurance but also has special coverage against:
- Personal effects damage or loss
- Vacation liability
- Emergency expense coverage
- Medical payments coverage for RVs
The type of RV you have will influence your final policy as well.
Motorcycle insurance is very similar to auto insurance but has some additional options for accessories like:
- Seats and saddlebags
- Electronic equipment
- Non-stock sidecars or other conversion kits
Boat and Watercraft Insurance
Unlike car insurance, you don’t need boat insurance to get on the water. However, considering how expensive boats can be, it’s worthwhile having boat insurance to protect against:
- General liability
Most auto insurance policies have strict claim limits. If you go past these limits, you’ll have to pay the balance out of pocket. Umbrella insurance helps extend those limits and gives you peace of mind whenever you drive.
Call Us at Mack Risk Management Today in the Greater St. Louis Area of MO and IL
At Mack Risk Management, we offer all types of insurance, including business, malpractice, health insurance, life, auto, and disability. Known for our personal touch, we will listen to what you want and try to find a policy that fits your budget. As an independent insurance brokerage or agency, we work for you, not the insurance company.
If you’re struggling to find the right auto insurance solution, get in touch with us. At Mack Risk Management, we are here to help you find the perfect mix for your personal, family, or business needs, so give us a call today at 618-218-8887 in Columbia, IL.