The modern driver wears a lot of hats. Some days you’re shuttling between meetings or grabbing groceries. Other days you’re hauling furniture for your college kid’s first apartment. And sometimes, your car is simply your escape—windows down, music up, clearing your mind after a long week. 

No matter how you use it, your car plays a role in the rhythm of your life—and that’s exactly why the right auto coverage matters. 

Just ask CFM Policyholders Parker and Penny—when their son, Riley, packed up for another year of college, they made sure he drove off in a car they could count on. A dependable vehicle (and solid insurance) gave them confidence that he’d get there—and back—without a hitch. Now their biggest worry is whether he’s actually doing his laundry (IYKYK).

Choosing the right coverage wasn’t just a checkbox—it was a conversation. From liability to comprehensive and everything in between, Parker and Penny wanted to make sure Riley had the protection he needed, whether he was headed to class or coming home for the weekend. So, how did they figure it all out? That’s where CFM Auto comes in.

Why Cookie-Cutter Coverage Doesn’t Cut It 

At CFM Insurance, we believe a personal auto policy should do more than meet state requirements. It should match your lifestyle. Not just your vehicle type or your mileage, but your day-to-day reality. Do you park on the street? Drive rural backroads? Share the car with your spouse or child? These things matter. 

That’s why local agents, like Angie, take time to get to know your situation—whether you’re parking your car on a busy college campus or hauling livestock feed down a gravel road. Real coverage starts with real conversations.

Policy Basics & Then Some

A solid policy starts with the basics—liability, collision, and comprehensive coverage—but what makes CFM stand out are the everyday perks built into your protection. Think 24/7 roadside assistance when your battery dies in the grocery store parking lot, or rental car reimbursement when your vehicle’s in the shop after a covered claim. You also have options when it comes to deductibles and premium flexibility, so your coverage fits your budget just as well as it fits your lifestyle.

Coverage Close-Up: What CFM Auto Can Include

• Liability Coverage – Required for most drivers by state law, liability coverage helps pay for property damage or injuries you’re legally responsible for in an accident. It may also help cover related legal costs if you’re sued.
• Collision & Comprehensive Coverage – Often bundled together, these two coverages are important if you drive a newer or higher-value vehicle. While not required by Missouri law, most lenders or leasing companies will require both.
• Collision helps pay for damage to your car after a crash, no matter who was at fault.

Example: While backing out of a parking spot, you misjudge the distance and hit a pole. With collision coverage, you’re protected from paying the full cost of repairs out of pocket.

• Comprehensive protects your vehicle from non-collision incidents like theft, fire, hail, or hitting an animal.

Example: A deer runs into your car on a country road—comprehensive can help with the damage.

• Uninsured/Underinsured Motorist Coverage (UM/UIM) – Not every driver on the road carries enough insurance—or any at all. UM/UIM Coverage only applies to Bodily Injury in the state of Missouri.

Example: You’re in a hit-and-run or rear-ended by an uninsured driver. UM/UIM coverage can help with your medical bills.

Roadside Assistance

Breakdowns happen. Our roadside assistance coverage can help you get back on the road with services like towing, tire changes, fuel delivery, lockout help, and more.

Example: Your battery dies in the grocery store parking lot. Roadside assistance can send help to get you moving again.

Another thing that makes a CFM Auto policy personal? Savings that recognize who you are. Whether you’re a military veteran, a teacher, a young homeowner, or someone who simply values safe habits and loyalty, we offer a range of discounts that put money back in your pocket:

• Paid-in-Full Discount – Enjoy extra savings when you pay your annual premium all at once. Simple, upfront, and cost-effective.
• Loyalty Discount – We reward your commitment. If you’ve been with CFM Auto for a year or more, you’re eligible for this exclusive discount.
• Homeowners Discount – Own your home? You may qualify for added savings just for being a primary homeowner.
• Claim-Free Discount – Safe driving pays off. If you’ve been free of at-fault claims for the past three years, you could earn this valuable discount.

Important reminder: To carry a CFM Auto policy, you must also hold a CFM Home or Farm policy. We’re built on relationships, not transactions, so we insure your wheels because we already help protect where you park them. 

So whether you’re a seasoned driver or someone figuring out adulting one oil change at a time, CFM’s approach to auto insurance is simple: Personal coverage, with personal service, for the way you really drive.

Ready to hit the road with the right protection? 

Contact your local CFM agent today to review your coverage, make updates, or get a quote on a CFM Auto Policy that’s built to keep up with real life.