Personal auto, SR-22, non-standard, classic cars, motorcycles — we shop 50+ carriers so whatever you drive, we'll find the right coverage at the right price.
Every state requires a minimum level of auto insurance, but the minimum is almost never enough. Here are the pieces that actually protect you behind the wheel.
Pays for injuries and property damage you cause to someone else. This is what state minimums regulate, but minimums are rarely enough to protect your assets. We recommend 100/300/100 as a starting point — $100K per person, $300K per accident, $100K for property damage — though the right limit varies by income, assets, and exposure.
Recommended 100/300/100Collision pays to repair your car after an at-fault crash. Comprehensive covers everything else — theft, vandalism, hail, deer, fire, flood, falling objects. If you owe a lender anything on the vehicle, both are typically required.
Usually lender-requiredCovers you and your passengers when the at-fault driver has no insurance or not enough to cover your injuries. In a state where roughly 1 in 6 drivers is uninsured, this is one of the most important coverages most people overlook.
Don't skip this100/300/100 is a solid starting point for most drivers — enough to handle a serious accident without exposing personal assets to a lawsuit. But limits should scale with your income, net worth, and driving exposure. Higher-earners, multi-car households, and teenage drivers often need more. We'll walk through it with you.
Optional endorsements that cost little per year and save a lot of stress when you actually need them.
Pays medical bills for you and your passengers after an accident regardless of fault. Often carried in Kansas; in Missouri it isn't required. Inexpensive and kicks in fast, without waiting for fault to be decided.
MO: optional · KS: recommendedTowing, jump-starts, lockout service, flat tire change, and fuel delivery if you run out. Usually a few dollars a month per vehicle — cheaper than almost any service call.
Optional add-onPays for a rental car while yours is in the shop after a covered loss. Caps are usually per-day/per-claim (like $30/day up to $900). Worth it for anyone who can't easily go without a vehicle.
Optional add-onA limited version of gap coverage. If your car is totaled and you owe more than it's worth, this endorsement pays up to an additional 25% over actual cash value toward the loan or lease balance. Cheaper than gap but also narrower — ask us whether LLP or full gap fits your situation.
Limited gap alternativeAdds coverage for aftermarket wheels, stereos, lift kits, wraps, and other modifications that standard physical damage coverage limits or excludes.
Optional add-onState-required proof of financial responsibility after certain driving events. We handle the filing with the state directly; you don't have to chase paperwork.
Filing serviceEvery driver has heard someone say "I've got full coverage." The truth: there's no such thing as a "full coverage" policy. It's a subjective term that usually just means liability plus collision and comprehensive — and maybe not even that, depending on who's using it.
One shopper's "full coverage" might skip UM/UIM, med pay, rental, and gap. Another's might have all of those but low liability limits. Don't assume — read the declarations page. We'll walk you through exactly what your policy does and doesn't include.
Tell us about your vehicles and drivers — we'll line up the carriers that want your business.
Start My Quote →Disclaimer: The coverages, endorsements, and features described on this page are illustrative examples and may vary by carrier, state, and individual policy. Conexion Insurance Agency does not guarantee that any specific coverage, limit, or exclusion applies to your policy. Actual terms are governed solely by the policy issued to you — please review your own policy documents carefully and contact us directly for specifics about your account.