Auto Insurance Information

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What is auto insurance?

Baldwin Insurance Agency Will Listen to your Needs and Help You Make a Suitable Decision 

If you are out on the market looking for auto insurance companies, you have come to the right place. We will help you find the best auto insurance company you could have asked to partner with. We work to serve your best interests. Baldwin Insurance Agency keeps you and your passengers aboard a vehicle protected. You can either get an online quote here or speak to one of our representatives over the phone any time of the day. Our objective is to help you find the right auto insurance for your needs, to enable you to deal with unforeseen circumstances that you could encounter in the future. When you talk to us, you will find us genuinely interested in helping you make the right decision. 

How Does Insurance Work? 

Before you move ahead and choose us as your auto insurance partner, we would like to give you some information about how auto insurance works. The most significant benefit of getting an auto insurance is that it protects drivers and passengers from financial issues that they may have to face after an accident or if their vehicle gets stolen. And it is a financial responsibility that is mandatory in every state. 

Auto-Insurance: It doesn’t have to be confusing. 

Call Baldwin Insurance Agency and we will help take the mystery out of auto insurance. If you want financial protection, you need to get well versed in it. Once you understand why you need insurance and what you need to look for we will help you find the best auto insurance company, find the best price and the right coverage. 

Car insurance requirements differ by state; however, one condition that is consistent throughout the US is that the drivers have to show that they are capable of paying for the damages both in the event of a stolen car as well as an accident. This is how you prove your financial responsibility. In some states you just need to post bond, car insurance is still the easiest way to demonstrate your fiscal responsibility. If you want to know specific auto insurance requirements in your state, you just need to get in touch with us at Baldwin Insurance Agency and we will willingly answer your questions. 

What Benefits Can You Look Forward To? 

Now that you have some understanding of how auto insurance works, you will be able to discern its benefits in a much better way. So, let’s get started. Before car insurance was made mandatory, the victims of a car accident or car theft were not eligible for any compensation. And there were cases where drivers at fault were sued by victims, which had those drivers bear enormous costs. With auto insurance, drivers and automobile owners are safer from the large costs that could occur with an accident. 

As a driver, you can now cover damages and injuries that are common in accidents – without having to bear enormous sums in lawsuits. All the victims of an accident can get compensated for medical costs, fix their property, etc., without having to pay anything out of their pockets. To conclude on a simple note, it won’t be wrong to say that an auto insurance company helps you get the peace of mind that often goes missing after an accident. 

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. 

Auto insurance provides property, liability and medical coverage: 

  • Property coverage pays for damage to or theft of your car.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverage's. If you’re financing a car, your lender may also have requirements. 

Most auto policies are for six months or a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium. 

Why do you need auto insurance?

It’s really all about protecting yourself financially. 

  • If you’re in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If you or your car is responsible for damage or injury to others, you may be sued for much more than you’re worth.
  • Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.

Questions to ask your agent

Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

  • How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
  • What is the insurance company’s level of service and ability to pay claims?
  • What discounts are available? (Ask about good driver, multiple policy and student discounts.)
  • What’s the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

Thank you for your interest in Baldwin Insurance Agency. We make the quote process quick and easy, begin your quote today! If you would like to speak to an insurance professional please call our office at 816-628-0092 or you can email your questions and an agent will reply promptly. 

Providing Experienced Insurance Coverage to:

Alma, Bates City, Belton, Bogard, Bosworth, Braymer, Breckenridge, Brookfield, Brunswick, Buckner, Camden, Carrollton, Centerview, Chillicothe, Columbia, Corder, Dover, Excelsior Springs, Gallatin, Grain Valley, Greenview, Greenwood, Hamilton, Hardin, Harrisonville, Henrietta, Higginsville, Holden, Holt, Jefferson City, Joplin, Kansas City, Kearney, Kidder, Kingston, Lathrop, Lawson, Lee’s Summit, Levasy, Lexington, Liberty, Lone Jack, Marshall, Maryville, Mayview, Missouri City, Napoleon, Oak Grove, Odessa, Orrick, Peculiar, Platte City, Plattsburg, Polo, Raymore, Rayville, Richmond, Savannah, Sedalia, Sibley, Smithville, Stet, Sugar Creek, Tina, Tracy, Trenton, Unity Village, Unity School, Wakenda, Wellington, Weston, Gower, Trimble, Edergton, Plattewoods, Parkville, Stewartsville, Osborn, Turney, Knoxville. 

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Baldwin Insurance Agency

200 N Jefferson St, Suite A, Kearney, MO 64060, US

(816) 628-0092



9:00 am – 5:00 pm


9:00 am – 5:00 pm


9:00 am – 5:00 pm


9:00 am – 5:00 pm


9:00 am – 5:00 pm