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Auto
Insurance


Protect Your
Vehicle

CFM Home + Auto: A Winning Combo
You asked, we listened - CFM now offers auto coverage exclusively for our Missouri policyholders that have their home insurance with us. This means you can now bundle your home and auto with your favorite local Mutual insurance company! It's our promise to protect your vehicle - and the precious cargo inside - with the same level of care we have for your home.

How Do I Qualify for CFM Auto?
Consider these two primary eligibility requirements:

  • You have a CFM Insurance policy or plan to move your property to CFM in the next 3-6 months.
  • You have had continuous auto insurance coverage for the last six months and have few, if any, minor tickets on your record.

Ready to give CFM Auto the green light? Reach out to a trusted local CFM agent today and find out if the latest addition to our product family is right for you. Don't forget to ask about our one-of-a-kind discounts.

COLLISION
COVERAGE

Pays for damage to your car caused by an impact
with another vehicle or object or a rollover.

COMPREHENSIVE
INSURANCE

Pays to repair or replace your car if it is damaged or destroyed in an event that isn’t a collision.

This includes things like theft, vandalism, fire, natural disasters (like tornados and floods), falling objects (like hail or a tree falling on your car), and contact with an animal.

Liability
Insurance

Pays for the expenses of people you hurt while driving your car. Bodily injury liability (BIL) pays for other people’s medical expenses; property damage liability (PDL) pays to repair damage or replace their vehicle.

Higher liability limits are recommended due to situations like these.

Liability insurance covers your legal liability when injuries or property damage happen as a result of your actions. The minimum level of coverage required by state law is 25/50/25
The first number (25) is the Bodily Injury Liability per person.
The second number (50) is the Bodily Injury Liability per accident.
The third number (25) is the Property Damage per accident.

If you have a 25/50/25 liability package and you are involved in a serious accident, it’s possible that an individual’s medical expenses could exceed $25,000, or a group’s expenses(if more than one car is involved) could total more than $50,000. In addition, $25,000 for car repairs isn’t a lot, considering that the average car now costs more than $20,000. Consider situations like these when talking to your agent about the limits that are available to you.

Your deductible is the amount that must be paid out of pocket by you for covered losses before the insurance company pays a claim. Choosing a higher deductible will save money, but it’s a trade-off between saving money on your annual premium and having to pay the deductible if you have a loss.

ROADSIDE
ASSISTANCE

Coverage of $100 per incident is available if the phone number used for Roadside is called at the time of disablement. This service includes; towing, battery Jump Start, gas delivery of up to 2 gallons, flat tire change, locksmith service, if you lock your keys inside your vehicle

Discounts

CFM’s goal is to provide you with quality coverage at an affordable price. These discounts are offered to save you even more money on your home insurance. Talk to your agent to see if you and your policy qualify for the following discounts: