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How To Get Affordable Health Insurance In Missouri

Friday, June 8th, 2012

Regardless of where you live in Missouri, if you don’t have a job that offers a health benefits package, or if you don’t work at all, you’re most likely going to have trouble finding affordable health insurance in Missouri. The exceptions, of course, are those individuals who are married and have spouses with excellent health benefits packages, or those individuals wealthy enough to purchase individual health insurance policies. Then if you are the above person keep reading this article if you want to get affordable health insurance in Missouri

If you are offered group health insurance at work consider signing up. Often you can find the best rates with a group plan, plus a group plan is not allowed by law to single out any participant for tobacco usage or for any preexisting health issues – at least once you’ve been signed up for a certain amount of time.

If you are not offered health insurance through work, then you may have to make a few concessions in order to get the most affordable rate for your health insurance. Start with your lifestyle. Don’t smoke or use tobacco products in any form. If you already smoke then you really need to stop. Smoking will add considerably to the cost of your life insurance. If you are obese, then you need to lose weight.

If you have any other insurance – such as life insurance or homeowner’s insurance – buy your health insurance from the same company if possible – most companies have a multi-policy discount that can save you up to 10% on your monthly premiums.

Missouri offers a special program to Missouri residents who have trouble obtaining affordable health insurance in Missouri for various other reasons or find their health insurance policies involuntarily cancelled. The program is called the Missouri Health Insurance Pool (MHIP), and it’s governed by the Blue Cross and Blue Shield programs of Missouri and of Kansas City. The MHIP isn’t an insurance company; it’s an insurance program for Missouri residents that offers four kinds of comprehensive and major medical health coverage.

You’re eligible for the MHIP if you don’t receive or aren’t eligible for any other health care coverage; haven’t already received the maximum $1 million dollars in coverage from the MHIP; and haven’t been turned down by other health insurance companies due to alcohol or drug abuse. For more information, visit Missouri’s Department of Insurance Web site..

Missouri Auto Insurance

Wednesday, March 21st, 2012

If you currently live in Missouri or you’re planning to move there, auto insurance is something you’ll definitely consider if you plan on owning an automobile. Auto insurance covers you in case you cause damage to any person’s property or body.

Each state has its own laws and regulations when it comes to auto insurance, so it might be a good idea to visit Missouri’s Department of Motor Vehicles website to get full details of exactly what you need. In general though, there is a minimum liability insurance that you need to be covered for. In the State of Missouri, this is as follows: $25,000 minimum coverage for bodily injury per person, $50,000 minimum coverage for each accident, and $10,000 minimum property coverage f or each accident. It’s good to know this information when shopping around for car insurance so you’re better informed and can get the policy that’s best for you.

Liability insurance, which is manditory in Missouri, does not cover the policy holder in the event of an accident. This type of insurance only covers third party drivers and property. To insure yourself and your own car, you should consider collision and comprehensive coverage. If you want even more peace of mind, you can opt for uninsured or underinsured driver insurance, which protects you in case someone hits your car and is uninsured or underinsured.

When searching for the best car insurance rates in Missouri, the best advice is to shop around and compare at least 5 different insurance companies. You might be surprised to see how much policy rates differ between different companies, even for same or similar coverage options. That’s why it’s important to shop around and compare multiple car insurance rates.

Even if you’re currently insured, you might be able to save hundreds of dollars a year by switching auto insurance providers. You can compare multiple quotes online in a matter of minutes, so you’ve got nothing to lose, however you could end up saving a lot.

The Missouri Insurance Information Service says more than 20,000 vehicles were reported stolen in 2008, nearly half of them in St. Louis and Kansas City. This would make sense considering these are two of the largest cities in the state, however this is bad news for residents of St. Louis and Kansas City as this means that they will probably be paying higher insurance rates due to the high auto crime rate. The five most commonly stolen vehicles in Missouri are the Dodge Intrepid, Ford Taurus, Pontiac Grand Prix, Dodge Stratus and Oldsmobile Cutlass, so you might want to avoid these cars to keep your car insurance rates as low as possible..



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