Posts Tagged ‘Financial’

Learn About Car Insurance in Missouri

October 20th, 2022

Each state,Guest Posting including Missouri, has its own unique set of requirements when it comes to car insurance. If you are close to driving age in Missouri or you’re moving to Missouri from another state it makes sense to learn about these requirements. Once you learn about car insurance in Missouri you’ll find that it has a few similarities and some differences from other states.One of the most important requirements you will want to be aware of is that Missouri requires you to maintain financial liability for your vehicle. Of course, unless you are moving to Missouri from Wisconsin, Florida, or New Hampshire you should already be familiar with the concept of mandatory car insurance. Basically the law in Missouri states that you must always maintain financial responsibility for your vehicle at all times, to insure an injured party is protected.So, what else should you know about car insurance in Missouri? One important fact is that you must provide proof of insurance at all times, including while registering your vehicle with the DMV. Some acceptable proofs of financial responsibility include a current insurance card, a receipt from your insurance carrier showing name and vehicle information, the actual insurance policy, or a self-insured card from the Driver and Vehicle Services Bureau (applicable to dealers). You are considered exempt from providing proof of insurance if your vehicle is an official state, federal, or municipal vehicle or you have a commercial vehicle and a “motor carrier’s” card instead.You should also know that the state of Missouri not only requires you to maintain liability insurance on your vehicle, they also require a minimum amount of insurance you must maintain. All states are different in this regard, so it pays to know the minimum limits for your state. For instance, in Texas the limits are 30/60/30 (liability/property) but in Pennsylvania the limits are 15/30/5 (liability/property). So, as you can see, the required amounts vary greatly. If you are a resident of Missouri the minimum limits of insurance are 25/50/10, meaning you must maintain $25,000 in liability for a single person, $50,000 for a single accident, and $10,000 in property damage per accident. All car insurance policies written in Missouri must conform to these minimum limits, but it’s important to verify this with your insurer to confirm you are following the law.

I-44 Passes Through Rural Missouri, Rural America

March 19th, 2022

As you head from the Atlantic Ocean toward the great Pacific, you may drive along Interstate 44 through Missouri. Why so notable? The interstate begins in St. Louis, the gateway to the West. In St. Louis, the unmistakable Arch dominates the landscape as if to beckon travelers toward a new life. But life in Missouri remains rural and uncomplicated.

Departing the big city, I-44 then takes you past towns like Rolla, Springfield, and Joplin. In each of these areas – and dozens more just a little bit smaller but no less proud – the people of the communities determine their own destinies. They define where they live and how they live, and they proudly share their lives with each other, sitting on the numerous front porches all across the state.

Currently, there are 58,000 houses for sale in the entire state of Missouri along with thousands of condos, farms, and multi-family homes. By far, St. Louis offers the most homes now available with over 10,000 for sale. Perhaps one of the most notable homes in St Louis is a log home listed at almost $300,000. The 2200 square foot house is situated on 5 acres of beautiful acreage. It has three bedrooms, two baths and a completely updated, modern kitchen. But the best part may be the long welcoming front porch on which to enjoy the cool summer nights or a cup of coffee in the early morning.

As you leave the St. Louis area, you can drive along I-44 which skirts along forested conservation areas, it passes military installations like Fort Leonard Hood where soldiers serve their country unflinchingly, and eventually ends just outside of Joplin. All along the route, houses average about $150,000. Overall, homes in the state have remained steady – some areas show real estate values increasing, while other places how a decrease in home values.

But if you want to find yourself in Springfield, a more private style front porch can be found in a home near the campus of Missouri State University. The 1000 square foot house to which it’s attached is listed at $59,000 and has two bedrooms and one bathroom. The porch has brick halfway up, but is open to allow cool breezes from three feet to the roofline.

For $147,000, a traditional pizza-delivery only kind of porch can be found in Rolla. The two-story house itself is a four bedroom, two and a half bath traditional home with over 2200 spacious square feet. The carpet needs updated, but the unfinished basement could be a real boost to buyers seeking a lot of space for an affordable price.

Finally, in Joplin, Missouri is a piece of real estate listed at under $100,000 that has three bedrooms, one and a half baths, and a an old-fashioned front porch that hearkens to the days of neighbors talking over a glass of iced lemonade. The porch overlooks a shaded yard, but inside the house is bright and sunny.

Traveling along I-44 and stopping by to enjoy a porch chat with the people from the Show-Me state should be easily accomplished in this long, beautiful state.