Missouri Auto Insurance

There is real estate tax, plus personal property tax. Personal property tax is on cars, trucks, boats, RVs, trailers, tractors, any kind of vehicle. Also livestock and bulk grain. They assess and collect a % of the value of the property every year, it varies from county to county. We turned in a very long list last year-4 cars/trucks, 3 trailers, 2 RVs, a motorcycle and a herd of cattle-and paid $800.

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Thank you, I was wondering what all was included in the taxation.

You'll find safety inspections are a lot easier if you don't go to the chain tire stores like Goodyear and Firestone. Their service writers are on commission, and you'll never leave there with just the inspection fee. In some cases they'll demand you have an entire break job, when the brakes are well within tolerance. Not that some small garages aren't crooked too, but the big ones definitely are.

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The older the vehicle, the more money you will save. for a 99 Cavalier, a 92 Mazda, a 90 Jetta and a 63 Ford ton truck we pay $540+/-. The 99 Cavalier is the most expensive, liability with roadside assistance on all vehicles through Safeco. I literally called every insurance company in the book and most I could find on the internet. Next cheapest in line for me was Progressive.

Youre not moving to St. Louis are you? That is probably the most expensive place to live in Mo in many ways.

Personal property taxes are pretty low if you keep older vehicles, I have no idea what it is for newer ones as I avoid that problem. The property tax on my vehicles runs about $10 each a year. Unless you run a big farm or a business about the only thing you will have to pay personal property tax on is vehicles.

On inspections it is best to find a good mechanic. Inspections are done by private mechanics, some check everything, some will pass anything. You can have a crack in the window, but it cannot be in the drivers field of vision.

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www.jlmissouri.com Lewis Family Farm

You folks should get down on your knees and thank God you don't live in California. Here we have 3 million undocumented aliens with drivers licenses and it shows in every insurance bill.

94 S-10 recreational only under 5000 miles a year, 2014 Silverado full coverage, 94 escort recreational only, never had a ticket, never had a wreck, live 3 miles from work, took the emergency vehicle operators course at police academy, 360.00 a month

JL, no we aren't moving close to St. Louis! We've bought land in Texas County, the town where our mail will come from only has 347 people.

Every year you get a form to fill in your personal property including your animals, vehicles, RV's boats, etc. Some of the old MO folks can probably tell you more. Those are just the things we have on ours.

As others have said, the vehicle inspection is no big deal but definitely go to a local garage (ask your neighbors).

We were surprised that our medical insurance rates were a fair amount higher in MO than Illinois, and our car insurance was a bit higher but not much.

The big savings are in property tax (if you avoid St. Louis and KC suburbs), gas (today was $3.15), government fees/licensing, electricity, and cost of labor for mechanical and household work (we had been quoted $250 in Illinois and ended up paying $75 in Missouri). Food is basically a wash, but cheaper if you buy from local farmers.

Don't be discouraged, and definitely check around on both car and medical. Good luck and I hope you still come to MO - we love it here (SW MO).

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Texas county Missouri is a nice place, make sure you check out the Big Piney River, it is a great river to goof off on.

I was also worried about the inspections before I moved here, they are no problem. One time the guy told me " get that looked at before your next inspection"

Call around about your insurance, mine is only 130 bucks for 6 months, 2001 dodge pickup 2500 4x4 with the V-10 setup (yeah baby)

Take the plunge , come on down you will love it here.

yes, keep checking. And I would definitely keep full coverage on a 2010 truck. Its not old enough to make the change to liability only worthwhile.
When I moved from WV to KY my rates dropped. I got a very good quote from geico and very good service. But I am now with KY Farm bureau since that is where my farm/home ins is.

And everyone has doubts when considering a move. Try not to stress out too much over it. Just keep doing your research!

We have State Farm and ours is very reasonable but we also have a renters policy with them, giving us a multi line discount. We have a 2010 Ford F150 with full coverage and a 2007 Chevy Impala with liability 100/300/100 limits. We pay a little under $100 a month for the vehicles and the renters policy. Cheapest we have found so far but when I turn 55 in a couple of years we will be doing some more shopping for insurance.

Missouri's safety inspection has never been a problem for me. We keep our vehicles in good shape so the only time they haven't passed have been for a light bulb our or something similar. $12 every 2 years. No biggie.

Personal property taxes for our truck, car, and travel trailer were about $600 last year but we live in a county with higher school taxes than even the next county over so I wouldn't really be able to tell you if yours would be similar. The real estate taxes on our unimproved 9 acres was about $250.

I really think you will love southern Missouri. We actually live in the NE part of the state but I think that southern MO is much prettier. I am in the middle of farm country.

Just wanted to add that we have 40 acres of undeveloped land in Stone County and our property taxes are $20 per year (I believe it is zoned agricultural though). No house, no well, but electricity is run to the property. FYI

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The good you do today may be forgotten tomorrow. Do good anyway. --Kent M. Keith

Well, we are leaving in a couple of hours for our working vacation down to our land.
After much discussion, we have decided that barring some major health issue that prevents us from moving we Will be moving to Texas County in the Spring!

While we are down on the land, we are going to visit a few agents that I have contacted via e-mail as well as check into the cost of groceries, farm supplies and building materials.
I know what the costs are up here and how our finances are doing with these prices, it will be good to get a fair comparison so we are not moving down with unrealistic ideas.

We had the electric line pulled in already; right now there is just a power stub on the pole and next week the Electric company will be putting up a temporary service so we will have electric available for power tools.

We have rural water available but it's at the road and we will have to either dig in the lines, hire a private company to dig in the lines or hire the water department to dig them and hook up the meter. We are meeting with a couple of people we have had recommended to get an idea of how much it will cost to run the water lines from the road back 478 ft to where we want to put the cabin.

Thanks again for all of the suggestions and information; we are anxious to get down there and just spend time roaming the property and making plans for a Spring move and what we need to build.
Hopefully, by late summer 2015 we will have a few chickens and ducks!

Craftychick, I have lived in Missouri all my life. I was also an insurance agent for over thirty years. Hartford, Nationwide do not have good rates for country areas of the state. They are looking for city and suburban folks and price their insurance accordingly. I know it makes no sense but sadly that's the way it is. Your best bet would be to go to a local independent agent in your area of Missouri. Independent agents write and service for many different companies and can run quotes for you on all your insurance needs. They will represent companies who look for country folk as their niche market, giving good coverage at a reasonable price.

Another aspect to consider is your credit score, this is EXTREMELY important as all insurance companies check credit scores and they use that in their pricing. The lower the score, the higher the rate. Driving record is also very important, the cleaner the record for ALL drivers in the household, the lower the rates. Make sure too that you are getting quotes for the exact same coverage, deductibles, etc from all the companies so you are comparing apples to apples. Try to insure both home and autos with the same company, the auto/home discount accounts for a 15% to 20% lower rate on both.

Hope this helps. PM me if you have more questions. Good luck!

my personal tax is figured on my Jeep--since my horses, dogs and cats dont get taxed--under $40. a year. Full coverage on Jeep is $200 every 6 months. Taxes on farm around $700, but insurance is higher.
Nope--not cheap to live in Missouri

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