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Cheapest Auto Insurance in Springfield, MO
Springfield is one of the largest cities in the Midwestern state of Missouri. The city is well-known for its various parks and wildlife centers. Manufacturing, healthcare, and retail all play major roles in the local economy of Springfield. Like most Midwestern cities, Springfield doesn’t have great public transport – if you’re going to get around the city efficiently, you most likely need a vehicle.
If you’re a car owner in Springfield, you might be overpaying for your current insurance policy. Our website is a great resource for people who want to improve their auto insurance coverage – we partner with several auto insurance companies to bring you closer to better insurance auto quotes. In addition, we compile road safety information to help you better navigate the roads of Springfield. Check out our content below!
Springfield: Driving Conditions in the City
You won’t find too much traffic in Springfield – it’s not known for having overly congested roads. The main problem in Springfield is the weather. Like most areas of the country, it can get extremely wet and rainy in Springfield. If you’re heading out for a long drive, make sure to check weather forecasts and warnings to ensure you won’t have too much bad weather to contend with.
Deer can also be a problem at certain times of the year. Many people don’t realize how much damage a deer can cause. In addition, drivers often attempt to avoid deer and swerve into other hazard or oncoming traffic. Make sure to stay vigilant on the roads.
Driving Safely in Springfield, Missouri
America is one of the most unique countries on earth for a variety of different reasons. One of these reasons is the state and federal structure – each state has a lot of control over their local laws and regulations. The same rings true for road rules and laws. Depending on the state you’re driving in, road laws can be completely different.
In this section of our article, we’re going to take a look at the road laws in Springfield, Missouri. Insurance companies like to work with customers who have good driving records. One of the best ways to maintain a good driving record is to follow local laws – not only will it improve your insurance premiums, it will reduce the chances that you receive a fine from local law enforcement. Below are the top road laws in Springfield, Missouri!
Phone/Handheld Laws in Springfield
If you are under the age of 21, you are not allowed to text and drive while on roads in Missouri. To be fair, Missouri has some complicated exceptions, but for the most part, you are not allowed to use your phone for anything other than talking while you are driving. Distracted driving is a growing problem in the country – don’t underestimate the consequences.
Seatbelt and Car Seat Laws in Springfield
All people in the front seats of a vehicle must use a seat belt – this is for both the driver’s seat and the passenger’s seat. In addition, if you are a passenger in a vehicle that is being driven by someone who has an intermediate driver’s license, you need to wear a seat belt at all times – regardless of where you are sitting in the vehicle.
If you have a child in your vehicle, the rules are much more complicated. Below we will explore the different rules for children passengers. Check them out below:
- Under 1 Years Old – Rear-facing safety seat in rear of vehicle
- Under 4 and Over 1 – Appropriate child restraint system
- Ages 4 – 7 and Over 40 Lbs. – Child restraint system or booster seat
Child must remain in booster seat until 8 years old and above 80 Lbs. or 4’ 9”. Make sure to secure your child while driving – not doing so can result in fines and further punishments.
Helmet Laws in Springfield
At present, Missouri has one of the strictest helmet laws in the nation. You have to wear a helmet at all times while on a motorcycle in Missouri – it doesn’t matter how older you are or how much experience you have. In addition, passengers also have to wear helmets.
Recent efforts have been made to repeal this bill to make the state more attractive to motorcyclists, but there has been a lot of push back from certain areas of the government. Remember – it is extremely important to wear a helmet while on a motorcycle, it can save your life.
Alcohol and Drug Laws (Driving)
If you’re under the age of 21, the BAC limit for a DUI in the state of Missouri is .02. If you’re over the age of 21, the limit for a DUI is .08 – this limit is reduced to .04 if you are operating a commercial vehicle.
Punishments for those charged with DUIs are strict – they can also increase dramatically if you are a repeat offender. For first-time offenders, you can expect up to six months in jail, $1,000 in fines, 30 days of license suspension, an additional 60-days of license restriction, and a possible interlock device on your vehicle. Not only is driving intoxicated dangerous, it can also cause severe inconveniences in your life! All that being said it is still possible to find cheap auto insurance with DUI issues.
If you want a better idea of how dangerous roads can be, it’s important to look at the overall crash data from the state of Missouri. In 2016, over 140 drivers under the age of 25 were killed on roads in Missouri. In addition, over 120 motorcyclists were killed during the same year. Over 390 people not wearing seat belts were killed. As you can tell, there are plenty of hazards to be concerned about in Missouri.
Countless consumers get complacent with their insurance policies. If you don’t compare different quotes, how are you supposed to get the cheapest car insurance in Missouri. Premiums add up over time, make sure to ensure you’re paying a great price for a great policy. Our site has several recommendations that can help you compare car insurance rates of some of the industry’s top auto insurance firms!
Car Insurance Companies in Springfield
Auto Insurance Express
2248 S Campbell Ave, Springfield, MO 65807, USA
Auto Insurance Express
4162, 1341 E Kearney St, Springfield, MO 65803, United States
Shelter Insurance - Gregory Roy
601 N National Ave #101, Springfield, MO 65802, USA
PJC Insurance Agency, LLC
1801 W Norton Rd, Springfield, MO 65803, USA
State Farm: Mike Breeding
1855 S National Ave Suite B, Springfield, MO 65804, USA
Shelter Insurance - Kathy Kruse
2442 E Madrid St, Springfield, MO 65804, USA
Auto Body Shops in Springfield
St. Louis Street Auto Body
1910 E St Louis St, Springfield, MO 65802, USA
Dodson-Williams Auto Body
502 W Walnut St, Springfield, MO 65806, USA
Maaco Collision Repair & Auto Painting
1405 W Chestnut Expy, Springfield, MO 65802, USA
Jordan Valley Auto Body Repair
2945 W Sunshine St, Springfield, MO 65807, USA
Tanner's Paint & Body
2070 E Pythian St, Springfield, MO 65802, USA
2921 W Chestnut Expy, Springfield, MO 65802, USA
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