Not every driver is the same. Hill Agency builds a customized auto policy that fits your vehicles, your family, and your budget, and finds every discount you're eligible for.
Every policy is built around your situation. We review what you have, find the gaps, and make sure you’re protected before you need to file a claim.
Pays to repair or replace your vehicle when it's damaged in an accident with another car or object, regardless of fault.
Covers theft, vandalism, hail, fire, falling objects, and animal collisions, the damage that happens when you're not even driving.
Pays for injuries to others when you're at fault in an accident, including medical bills and legal defense costs.
Covers medical bills for you and your passengers after an accident, no matter who was at fault.
Protects you if the at-fault driver has no insurance or not enough to cover your damages.
One qualifying at-fault accident may not raise your rate, available for eligible drivers.
Optional Endorsements — Add to Your Policy
Help with towing, jump starts, lockouts, and flat tires, 24/7, wherever you are.
Pays for a rental car while your vehicle is being repaired after a covered claim.
Covers the difference between what you owe on your car and its actual cash value if it's totaled.
Your deductible decreases every year you go claim-free, rewarding safe drivers who don't file claims.
Missouri requires minimum liability coverage: $25,000 per person / $50,000 per accident for bodily injury, and $25,000 for property damage. However, these minimums are often not enough to cover real accidents. We recommend higher limits and can show you what a serious claim could cost without proper coverage.
Collision covers damage from hitting something, another car, a pole, a guardrail. Comprehensive covers everything else: theft, hail, deer collisions, fire, and vandalism. If you have a car loan or lease, your lender typically requires both.
Yes, AmFam customers who bundle home and auto can save up to 40% on both policies. It's the single biggest discount available, and we make it easy to manage everything in one place with one agent.
DriveMyWay is AmFam's usage-based program that tracks safe driving habits. Good driving behaviors earn you a lower rate. It's a great option for safe drivers looking to lower their premium.
MilesMyWay is AmFam's pay-per-mile program. If you don't drive much, you earn savings based on how few miles you put on your car. It's ideal for remote workers, retirees, or anyone who drives significantly less than the average driver. The less you drive, the more you can save.
Call 911 if needed, document the scene, and contact us. We guide you through the claims process from start to finish, you're not calling a 1-800 number and starting from scratch. One agency, one team.
Most policies have gaps. We find them before a claim does. Get a free, no-obligation review from Hill Agency & Associates.
This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.
*Customers who bundle home and auto insurance policies may save up to 40% on both policies together (as of June 2025). Discounts include Multiproduct, Auto Pay, Paperless, and DriveMyWay. Discounts may vary by state, property, policy form and company underwriting the home and/or auto policy. Discounts may not apply to all coverages on a home or auto policy.
**Rate will vary based on driving behavior. Unsafe driving behaviors may increase your rate. Product eligibility will vary by state, vehicle type, policy form and company underwriting the auto policy. Some restrictions may apply. The DriveMyWay rate factor applies only to these coverages, which are typical for most auto policies: bodily injury liability, property damage liability, collision and comprehensive, medical expense, and personal injury protection. Additionally, the rate factor does not apply to fixed fees that are part of the policy. To refresh your understanding of coverages, visit the Car Insurance Coverage page. Customer driving behaviors from the KnowYourDrive program were used to inform rate structure. Adding or removing drivers from a policy may impact the overall score. Households where not all eligible participants on the policy are enrolled will receive a 5% introductory discount.
***If you unenroll drivers after the 100-day trial period ends, we’ll still use their driving behavior at the time of unenrollment when calculating your rate.
† Refer to your policy documents for coverage limit details. Coverage applies to covered losses only after your individual property & coverage specific deductible(s) has been met. Please speak with your agent to learn more about your coverage options.
