Shopping for auto insurance can be an overwhelming process—comparing quotes from multiple companies and determining how much coverage you need gets confusing. At Arlene Lear Insurance, their team of agents can take the stress out of the experience. They have spent the last 40 years providing residents of Humansville and Bolivar, MO, with the best rates possible, and they can help you.

As you begin comparing policies, keep these options in mind:

• Additional Coverage: In addition to Missouri’s minimum insurance requirements, you may want to explore your options for additional coverage such as liability or property damage coverage. Getting coverage for underinsured and uninsured motorists protects you if you are in an accident with a driver who has minimal or no insurance.
• Premiums & Deductibles: The premium is the amount you pay monthly for auto insurance and the deductible is your out-of-pocket expense if you are in an accident. While lower premiums can save you money each month, you may have to pay a higher deductible after an accident. Higher monthly premiums mean you save money on your deductible.
• Discounts: Always ask about discounts the insurance company offers. Many companies offer discounts for drivers with a clean driving record and for those with multiple policies, such as auto and homeowners insurance. Some offer discounts for teen drivers with good grades and for those who complete an approved driver’s education course.

In addition to auto insurance, Arlene Lear Insurance offers motorcycle, RV, and boat insurance, so all your vehicles are covered. Their representatives will work with you to determine how much coverage you need, and will find valuable discounts that put more options within reach. Visit them online to view a complete list of the insurance products they offer. Call their Humansville office at (417) 754-8377 or their Bolivar office at (417) 777-3000.