Personal Insurance
Review your auto coverage before a rate increase or a claim forces the question.
A review of your auto liability limits, deductibles, and coverage options, measured against Missouri's minimum requirements.
No obligation. Starting a review does not change or bind any coverage.
What's going on
Auto insurance is required, so most people set it up once and rarely revisit it until a rate increase, a new car, a new driver, or a claim brings it back to their attention. This page is for reviewing what you currently carry against what's available.
Why it matters
Missouri requires minimum liability limits of 25/50/25, and Missouri does not use a no-fault system, which affects how liability and fault work after an accident. Many drivers carry only the state minimum without realizing how far it may or may not go. Understanding your current limits, and how they compare to the available options, is worth a direct conversation.
Things worth considering
Points we would talk through with you. Which of them apply depends on your situation, and what you do about them is your decision.
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Do you know your current liability limits?
Missouri's minimum is 25/50/25. Many policies carry exactly that minimum by default, without the driver ever deciding whether it fits their situation.
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What's your deductible on collision and comprehensive?
A higher deductible generally affects your premium. Knowing what you'd actually pay out of pocket after a claim is worth confirming.
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Do you carry uninsured or underinsured motorist coverage?
This applies if the other driver has no insurance or not enough to cover the damage. It's a separate limit from your own liability coverage.
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Has your household added or removed a driver or vehicle?
A teenager getting licensed, a car sold or purchased, or a household member moving out can all change what's available and what you're paying.
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Are you carrying home and auto with the same company?
Some companies offer a discount for bundling. Whether that's the better option depends on comparing it against the coverage itself, not just the discount.
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How does your liability limit relate to a potential umbrella policy?
If you're considering an umbrella policy, it sits above your auto liability limit, and carriers typically require a minimum underlying limit before they'll write one.
Information on this website is general in nature and is not a complete description of any insurance policy or every coverage option that may be available. Coverage availability, terms, conditions, limits and exclusions vary by insurer, policy and individual circumstances. The issued insurance policy and applicable endorsements control coverage. Beacon Point Insurance Group may provide information regarding available insurance options and discuss coverage considerations based on information you provide, but customers are responsible for selecting the carrier, coverages, limits and deductibles they wish to purchase. No insurance coverage is bound, changed, or canceled through this website unless confirmed by Beacon Point Insurance Group or the applicable insurer.
How this tends to come up
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Carrying the state minimum without knowing it
A driver in Independence had carried the same policy since their first car and had never confirmed what their liability limits actually were. A review showed they were at Missouri's minimum, which opened a conversation about whether that still fit their situation.
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A new driver in the household
A family in the Kansas City metro added a newly licensed teenage driver to their policy. The rate change prompted a broader review of the whole policy rather than just adding the driver and moving on.
We Learn. We Compare. We Explain. You Decide.
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We Learn
We ask questions about your situation and the insurance you currently carry.
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We Compare
Based on the information you provide, we can obtain and compare available options from the insurance companies we represent.
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We Explain
We help you understand important differences in coverage, limits, deductibles, policy terms, and price.
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You Decide
You select the company, coverages, limits, deductibles, and options you want to purchase.
What working with us is like
The part people tend to mention is that someone explained it and then let them decide.
More personal coverage
Let's find the options that work for you.
No obligation. Starting a review does not change or bind any coverage.