If you’re a driver in St. Charles, Missouri, having collision auto insurance should be a priority. But what exactly is collision coverage, and why is it so important?

In this blog post, we will explain the ins and outs of collision auto insurance, including what it covers and why it’s a crucial part of your St. Charles auto insurance coverage. We’ll also discuss how All Insurance No Fees can help you find the best collision coverage for your needs.

Auto insurance can seem complicated with its various types of coverages, but understanding them is crucial to ensure you’re adequately protected. One such coverage is collision insurance. As the name implies, collision insurance covers damages to your vehicle resulting from a collision with another vehicle or an object like a guardrail, tree, or building, irrespective of who is at fault.

How Does Collision Coverage Work?

Collision coverage comes into play when your vehicle is damaged due to a collision. After you pay your deductible, your collision coverage will pay for the remaining repair costs or, in the event of a total loss, the current cash value of your vehicle.

For example, if you have a $500 deductible and the damage to your vehicle totals $1,500, you would pay the first $500, and your collision coverage would cover the remaining $1,000.

Is Collision Coverage Mandatory in St. Charles, Missouri?

In Missouri, collision coverage is not legally required. However, if you’re leasing or financing your vehicle, your lender may require you to have it until your loan is paid off. Even if it’s not required, you might consider adding collision coverage to your policy for added protection, especially if you own a newer or high-value vehicle.

How to Choose the Right Deductible

Choosing the right deductible is a balancing act. A higher deductible means lower premiums, but you’ll pay more out-of-pocket if you have a claim. On the other hand, a lower deductible means higher premiums, but your insurance will cover more if you have an accident.

Finding the Best Collision Coverage in St. Charles

At All Insurance No Fees, we’re committed to helping St. Charles drivers secure the best collision coverage for their needs. We represent many top-tier insurance companies, allowing us to tailor coverage to your specific situation.


Collision coverage is a vital part of your auto insurance policy, providing essential protection for your vehicle. At All Insurance No Fees, we can help you understand the nuances of collision coverage and find a policy that fits your needs and budget.

Contact us today for a personalized quote and enjoy the peace of mind that comes with knowing you’re adequately protected on the roads of St. Charles.

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