Speak with an Agent
Choosing your auto insurance provider is an important decision. From questions about your policy to prompt claims handling, you need to be comfortable with the company you choose. Your best bet is talking with a local insurance agent at the Lake of the Ozarks. Since we work and live in the Lake of the Ozarks area, you can rest assured that we understand the special needs of our region when it comes to insurance coverage.
Have Information Handy
Whether you're buying car insurance from an agent or getting a quote online, you may have to provide information such as your drivers license number and vehicle make, model, and year manufactured. You may also be asked detailed questions about your vehicle (such as its mileage or safety features) in order to receive the most accurate car insurance quote. It helps to have this information handy when shopping for car insurance at the Lake of the Ozarks.
Compare Coverages
There are several types of auto insurance coverages. The type and amount of insurance coverage you choose may affect how much you'll pay for car insurance. It's a good idea to research the coverage beforehand that makes sense for your particular situation. If you're unsure of how much or what types of insurance you need, speak to your agent.
Whether you're buying car insurance from an agent or getting a quote online, you may have to provide information such as your drivers license number and vehicle make, model, and year manufactured. You may also be asked detailed questions about your vehicle (such as its mileage or safety features) in order to receive the most accurate car insurance quote. It helps to have this information handy when shopping for car insurance at the Lake of the Ozarks.
Compare Coverages
There are several types of auto insurance coverages. The type and amount of insurance coverage you choose may affect how much you'll pay for car insurance. It's a good idea to research the coverage beforehand that makes sense for your particular situation. If you're unsure of how much or what types of insurance you need, speak to your agent.
Consider Deductibles and Limits
The deductibles and limits you choose affect the cost of your car insurance policy. A deductible is the amount you pay toward a covered loss before your insurance kicks in. The higher your deductible is, the lower your auto premium will be. Keep in mind, however, that with a higher deductible, you'll end up paying more out of pocket to repair your car if you have a claim. Limits refer to the highest total amount your insurance will pay after a covered loss. The higher your policy's limits, the higher your auto insurance premium will be. One area where you might want to consider increasing your limits: liability coverage. The state of Missouri requires drivers to purchase a minimum amount of liability coverage. It's highly suggested that you increase that limit and purchase more than the state requirement.
The deductibles and limits you choose affect the cost of your car insurance policy. A deductible is the amount you pay toward a covered loss before your insurance kicks in. The higher your deductible is, the lower your auto premium will be. Keep in mind, however, that with a higher deductible, you'll end up paying more out of pocket to repair your car if you have a claim. Limits refer to the highest total amount your insurance will pay after a covered loss. The higher your policy's limits, the higher your auto insurance premium will be. One area where you might want to consider increasing your limits: liability coverage. The state of Missouri requires drivers to purchase a minimum amount of liability coverage. It's highly suggested that you increase that limit and purchase more than the state requirement.
Ask About Discounts
The insurance professionals at Insure the Lake help you decide on which company to purchase insurance coverage from, and depending on the company you choose, you may be eligible for discounts. Factors such as your lifestyle and driving habits may help determine what discounts you qualify for, depending on the insurer. Some discounts may apply for the following:
Request a Free Quote Online! Contact Insure the Lake today for all your Lake of the Ozarks insurance needs!

Steve Naught, CIC
3736 Osage Beach Parkway
Osage Beach, MO 65065
Next to Golden Coral
T: 573-348-2794
F: 573-348-0191
stnaught@naught-naught.com
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