Auto Insurance Quote St Louis Missouri​

MJM Insurance of St Louis Missouri Enhances Insurance Quote Automation for Buyers

Instant Auto Insurance Quote | MJM Ins of St Louis City | (314) 645-2100Through a new auto insurance quote engine on our website, MJM Insurance of St Louis now offers the ” Auto Insurance Quote St Louis Missouri​ ” platform.  This platform provides instant auto insurance quotes from multiple carriers.  As an Independent Insurance Agency, our licensed insurance agents have access to more than 15 different personal and commercial line insurance carriers.  This new system makes shopping for insurance easier for the consumer.

Missouri Residents click here for direct access
to the new automated quoting system!

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Alternatives Insurance of St Louis City is Now MJM Insurance of St Louis

Channel 12 News - MJM Insurance of St Louis City (314) 645-2100 MJM Insurance of St Louis - Auto Insurance, Home Insurance (314) 645-2100

READ THE FULL ARTICLE AS PUBLISHED ON CHANNEL 12 NEWS

Marc Majnerich, co-founder of Alternatives Insurance Group, is re-branding Alternatives Insurance of St Louis City to MJM Insurance of St Louis. Alternatives Insurance of St Louis City opened in 2002 as a full service independent insurance agency and a corporate location member of Alternatives Insurance Group, a group membership organization of local St Louis area insurance agencies founded in 1992. MJM Insurance as a whole, is the single largest annual net written premium volume agency of the Alternatives Insurance Group.

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Auto Insurance, Home Insurance, Business Insurance

Alternatives Insurance of St Louis City is now MJM Insurance of St Louis

MJM Insurance of St Louis now offers more competitive products and solutions for Missouri consumers, including Missouri Auto Insurance, Home Insurance, Business Insurance and Life Insurance.

Contact MJM Insurance of St Louis for more information (314) 645-2100 and click the image below to read the full article!

 

MJM Insurance of St Louis | Auto Insurance, Home Insurance, Business Insurance, Life Insurance | (314) 645-2100

 

The following article was published on a variety of networks including ABC, Fox and NBC. It has also been syndicated to news RSS feeds and announced within the most popular newsdesk databases.

Marc Majnerich, co-founder of Alternatives Insurance Group, is re-branding Alternatives Insurance of St Louis City to MJM Insurance of St Louis. Alternatives Insurance of St Louis City opened in 2002 as a full service independent insurance agency and a corporate location member of Alternatives Insurance Group, a group membership organization of local St Louis area insurance agencies founded in 1992. MJM Insurance as a whole, is the single largest annual net written premium volume agency of the Alternatives Insurance Group.

“Less is more” is the idea of the re-brand design concept. Less relates to narrowing down the available insurance products to a handful of key partners. More relates to reducing the number of carriers is a value-added benefit in that the agents and staff members are able to stay on top of current trends, stay educated and up to date on all represented carrier partner underwriter practices for each carrier that is represented by MJM Insurance of St Louis.

MJM Insurance of St Louis offers competitive products and solutions for business owners, including Missouri insurance products and risk management services from commercial property and casualty to insurance education and risk prevention resources. Consumer personal insurance products and risk valuation services are part of the full service solutions now offered by the MJM Insurance Group as a whole.

In addition to the new brand and eye catching design, MJM Insurance of St Louis has incorporated a customized Client Portal that allows clients to access basic policy information, quick link to the carriers and their insurance documents anytime. MJM Insurance of St Louis also offers a web based quote engine for Missouri consumers looking for instant personal lines quotes from Safeco, Travelers, The Hartford, Progressive, EMC, MetLife and several other A+ carriers. “Our use of technology allows us to have fewer staff members yet still provide the highest quality efficiency and properly service to our clients.”, reports Marc Majnerich, owner of MJM Insurance of St Louis.

“Get instant quotes or policy access, anywhere, anytime, any device. Over the next few years, I plan on reaching out to strong regional insurance carriers in order to fill voids. I think offering quality products to consumers which prefer buying from local independents and regional insurance carriers will become more and more common. Buying power will be shifting from baby boomers to millennials, and our goal to be prepared to communicate and offer technology based features as well as allow clients to dial our direct extensions with the push of a button or clicking their mouse. The new world of consumers simply want direct contact immediately or elect to no contact at all.”, says Marc Majnerich of MJM Insurance of St Louis.

MJM Insurance of St Louis City serves all of Saint Louis, Affton, Shrewsbury, Maplewood, Crestwood, St Louis Hills, Central West End, University City, and Clayton Missouri. MJM Insurance of St Louis is a supporting member of the Missouri Association of Insurance Agents and committed to the Trusted Choice Pledge.

St Louis MO Auto Insurance Quote

Valuable Protection at Your Speed and Budget

St Louis MO Auto Insurance Quote by MJM Insurance of St LouisMany of us are chasing time, where does it go?! We’re busy with work, picking up the kids, grocery shopping, and so on. When we sit down to pay the bills – we wonder where all the money has gone! MJM Insurance of St Louis can help you save time and money with our new online quoting system. In about 2 or 3 minutes our automated system will calculate your St Louis MO Auto Insurance Quote!

With this awesome software, you’re able to save time and find that you might be able to save money!   Our agents proudly represent many of the industry’s leading insurance carriers so we can offer you competitive rates through Travelers, Safeco, EMC, MetLife, Columbia Mutual, Kemper Preferred, Madison Mutual, Progressive, The Hartford, West Bend, Chubb and dozens more.

After you process your quick quote, one of our agents will be in contact to help speed the process along.  Auto Insurance is not just a simple commodity, there are many factors to take into consideration and understand all of them can be overwhelming when making a decision about what car insurance policy and features are best for you.  Buying just any policy without fully understanding your risk and coverage needs could be a very costly mistake.  So, with your information, we take the shopping to the next level and finalize the coverages, and price that best meets your needs.  We will shop your auto insurance for you and save you time.  It does not cost more to have our professional assistance—we are likely to find the best coverage to meet your needs for a lower cost by shopping many top-rated companies.

St Louis MO Auto Insurance Quote

Auto Insurance prices vary for each individual, family, college student, professional, homeowner, etc. For example, people with good driving records pay less than a driver with traffic violations or collisions where they have been at fault.  Prices will also vary depending on where the driver lives.  A person who lives in a major city such as St Louis, will pay more than someone who lives in a small town, despite the two having the same driving records.  

St Louis MO Auto Insurance Quote by MJM Insurance of St Louis by MJM Insurance of St LouisMJM Insurance of St Louis is a full service independent insurance agency representing many of Missouri’s premier personal and commercial insurance carriers. With a combined experience of over 70 years in the St Louis Missouri insurance industry, our agents are knowledgeable and competent specializing in Missouri Auto Insurance, Home Insurance,  Renters Insurance, Business Insurance, Workers Compensation Insurance, boat and motorcycle insurance.

You can trust that our agents have strong credentials and stay on top of current trends in the insurance industry.  We maintain relationships with insurance carriers, that allow us to provide quick turnaround time on all your questions, needs, and insurance claims.  

MJM Insurance of St Louis is committed to outstanding customer service.  We pride ourselves knowing that we offer the best insurance products at an affordable price that meets your needs. Our professional agents can handle your transactions with ease and help you understand your risks, the proper coverage, and benefits. 

Our staff members are trained to be proactive and provide the right answers, helping you understand your auto insurance coverages. Most importantly, we will earn your trust by becoming your partner. Trust and consistent underwriting practices is what we expect from our carrier partners, and in return we owe the same level of service to you.


Why Choose MJM Insurance of St Louis

We’re committed to outstanding customer service

We start by offering the best insurance products at a reasonable price. But it’s the MJM Insurance of St Louis team that really set us apart from the competition. With combined experience of 60 years, our sales and support staff members can handle your transactions quickly and efficiently. We service each and every account using out team of insurance professionals and we’re always available to answer your questions.

We’re committed to professionalism

Our dedication to client service comes from a culture of professionalism and respect. All of our associates at MJM Insurance of St Louis have strong credentials and all of our policies are presented to you in a consistent and professional manner.

We’re committed to solving problems quickly

MJM Insurance of St Louis has unique industry relationships, allowing us to provide exclusive insurance solutions to our customers. Additionally, every staff member is trained to actively listen and provide helpful answers presented in a way in which our policy holders clearly understand.

We’re committed to earning and maintaining your trust

We believe trust is something earned by listening to our customers while providing helpful advice and support. Trust and consistent underwriting practices is what we expect from our carrier partners, and in return we owe the same level of service to you.

Missouri Home Insurance and Tornado Preparations in St Louis MO

Wind. Hail. Storms. OH MY!

MJM Insurance of St Louis | Missouri Home Insurance | (314) 645-2100 Your safety is our number one priority – especially during tornado season. We’re going to cover Missouri Home Insurance and Tornado Preparations in St Louis MO.  No home can be made “tornado-proof,” but, homeowners can, and should, prepare for tornadoes ahead of time to improve the odds of their home surviving high winds by taking precaution.

Often times there is confusion between a tornado watch and tornado warning. A watch is issued when weather conditions are favorable for the development of severe thunderstorms that are capable of producing tornadoes, large hail storms and high winds. If severe weather actually does occur, a tornado warning would then be issued.  The Weather Channel offers free weather alerts. Click here to find out more.

Here are some ideas to help you prepare and protect yourself and your family:

  • Decide where your safe place is going to be.  An interior room, basement or local shelter.  When a tornado approaches, go there immediately. If you have no time to get to shelter, head to the center most part of your basement or home — away from windows and preferably under something sturdy like a workbench or staircase. The more walls between you and the outside, the better.
  • Become familiar with your community’s severe weather warning system and make certain every adult and teenager in your family knows what to do when a tornado watch or warning sounds.
  • Learn about your workplace’s disaster safety plans and similar measures at your children’s schools or day care centers.
  • Create a family plan in case you are able to move to a community shelter and identify escape routes from your home and neighborhood and designate an emergency meeting place for your family to reunite if you become separated.
  • Establish a contact point to communicate with concerned relatives. Keep in mind, when a tragedy hits a large geographical area, everyone is calling someone, or emergency departments from their cell phone.
  • Keep an emergency kit readily available.  Include a three-day supply of drinking water and food you don’t have to refrigerate or cook; first aid supplies; a portable weather radio; a wrench and other basic tools; a flashlight (there are flashlights with a wind up power source versus the need for batteries.  Consider extras like work gloves; portable lanterns; clothing; blankets; baby items.
  • Move anything in your yard that can become flying debris inside your house or garage before a storm strikes. Do this only if authorities have announced a tornado watch, however. If authorities have announced a tornado warning, leave it all alone.
  • Don’t open your windows. You won’t save the house, as once thought, and you may actually make things worse by giving wind and rain a chance to get inside.

A tornado can seriously impact many areas of your life – your home, your apartment, your car, your business!  Make sure you are protected all around!

 

MJM Insurance of St Louis | Missouri Home Insurance | (314) 645-2100 There are many ways to purchase Missouri Home Insurance.  For homeowners to make sure they have the right protection in place, policy holders should meet with a licensed insurance professional to review coverages.  MJM Insurance of St Louis recommends an annual review of your Missouri Home Insurance policy; because there are many choices in coverages, endorsements, discounts, etc…  it can be a bit overwhelming.

Home Insurance policies are rated by the insurance industry in tiers. This means the cost of your homeowners insurance policy can be  very different based off the risk of the home, value, location, etc.  Please understand, you’re not just buying a product;  you’re protecting your financial well being…and the choices you make could affect you for the rest of your life. For additional Missouri Home Insurance information click here.

MJM Insurance of St Louis’ motto is “Expect More. Receive More.”  We are a full service independent insurance agency who represents many of Missouri’s premier personal and commercial insurance carriers. With a combined experience of over 70 years in the Missouri insurance industry, our agents are knowledgeable and competent specializing in, not only home insurance, but also auto, renters, boat, motorcycle, business automobile, workers compensation, and general liability. With our utilization of cutting edge automation, we’re able to provide superior service to our clients including A+ rated insurance products.

So, let’s get together and review your homeowners insurance policy to make sure you have sufficient coverage to rebuild your life and home after a tornado. Report any property damage to your insurance agent or company representative immediately after a natural disaster and make temporary repairs to prevent further damage. For information about filing an insurance claim after a natural disaster, contact MJM Insurance of Fenton.

Here are a few link for you to become prepared, protect your family – including your pets!

MJM Insurance of St Louis | Missouri Home Insurance | (314) 645-2100

According to Tornado History Project, 47 tornadoes touched down in 2014!

Now is a good time to review tornado safety procedures – for home, for school, for work, in the car, and while you’re traveling.  And if you are considering a storm shelter, take a look at Tornado Project Online to learn more about shelters.

If you don’t regularly watch or listen to the weather report, but strange clouds start moving in and the weather begins to look stormy, turn to your local radio/television station or visit www.weather.com to get the weather forecast.

Remember, if a tornado “watch” is issued for your area, it means that a tornado is “possible.”  If a tornado “warning” is issued, it means that a tornado has actually been spotted, or is strongly indicated on radar, and it is time to go to a safe shelter immediately.

Call Us – We Are Here For You!

 

Source: Institute for Business and Home Safety. IBHS is a national nonprofit initiative of the insurance industry to reduce deaths, injuries, property damage, economic losses and human suffering caused by natural disasters.

Missouri Home Insurance and Tornado Preparations

Missouri Home Insurance | Avoid Damages to Your Home

Is Your Home Winter Weather Ready?

Missouri Home Insurance Coverages | MJM Insurance of St Louis City | (314) 645-2100Losses from snow, ice and freezing temperatures have averaged about $1.2 billion a year, and may be double that amount this year. This article provides useful tips for homeowners to keep in mind during the winter months. Missouri Home Insurance | Avoiding Damages to Your Home.

Upkeep on the Outside

  • Clean out gutters so melting snow and ice can flow freely. This can prevent ice damming, which is what happens when water is unable to drain through the gutters and instead permeates into the house.
  • Install gutter guards to prevent debris from entering the gutter and interfering with the flow of water.
  • Trim trees and remove dead branches. Ice and snow can sometimes become very heavy and could cause weak trees or branches to break free and damage your home.
  • Repair steps and handrails so that visitors on your property are safe and avoid injury.
  • Seal cracks and holes in outside walls and foundations to prevent cold air and moisture from entering your home.

Keep Your Pipes Warm!

  • Keep the house warm. Set the thermostat no lower than 65 degrees.
  • During super harsh cold weather, turn on faucets so that a trickle of water continues running through the pipes.
  • Check pipes. Look closely for the presence of cracks and leaks, and have them repaired immediately. Pipes in attics and crawl spaces should be protected with insulation.
  • Install an emergency pressure release valve in your plumbing system. This will protect the system against increased pressure caused by freezing pipes and can help prevent your pipes from bursting.
  • Add extra insulation to attics, basements and crawl spaces. If too much heat escapes through the attic, it can cause snow or ice to melt on the roof. Water then can refreeze, leading to more ice build-up—and even ice dams that can damage your roof.
  • Have a back-up power source. In the event of a power outage, continuous power will keep you warm and help to prevent frozen pipes, or a frozen battery operated sump-pump.

Missouri Home Insurance Coverages | MJM Insurance of St Louis City | (314) 645-2100

Keep on the Lookout for Water Overflow

  • Flooding related to melting snow can cause sewer systems to overflow; hence causing raw sewage to back up into the drains in your home. Some carriers offer water & sewer backup coverage.  This coverage is not part of the typical homeowners insurance policy, but may be purchased as an endorsement.
  • Sewer backup is NOT covered with flood insurance.Flood Insurance is a separate policy available from theNational Flood Insurance Program (NFIP).  Flood insurance covers floods from tidal surge and overflowing bodies of water.
  • Install a Backwater Prevention Valve. A backwater valve is a fixture installed into a sewer line, and sometimes into a drain line, in the basement of your home or business to prevent sewer backflows.

Maintain Your Fire Place & Wood Stove

Missouri Home Insurance Coverages | MJM Insurance of St Louis City | (314) 645-2100Remove combustible items placed near any hart sources. This includes wood stoves and space heaters.

Install smoke and carbon monoxide detectors. Not only do residential fires increase in the winter, but so does carbon monoxide poisoning—so check that your detectors are in working condition on a regular basis.

Have your heating systems serviced. Furnaces, boilers and chimneys should be serviced at least once a year to prevent fire and smoke damage.

So, What’s in Your Policy?

Most homeowners insurance policies have a deductible that the insured is responsible for paying. And if the claim exceeds the policy’s limits, the insured could be responsible for additional costs.  Licensed agents with MJM Insurance of St Louis City will review homeowner policies at no charge. Winter damage could cause insurmountable damage, so it is important to make sure the right coverages are in place.

It’s best to check your policy ahead of time, to make sure you know just what it covers, and what your coverage limits are.

Missouri Home Insurance Options – 2 Minute Video

Homeowners May Not Be Completely Protected

Most Missouri homeowners know that homeowners insurance covers the house they live in, maybe their shed and personal items.  But how many of them actually know what their house is worth, if the personal items replaced with “actual cash value”, do they have a complete inventory of their personal belongings?  There are many items to consider, which is why it is important to consult with a licensed agent with MJM Insurance of St Louis City.

Watch this short, 2 minute video and call to schedule your free consultation today.

 

Missouri Home Insurance Coverage Options

General Coverages and Customized Policies

St Louis Missouri Home Insurance | MJM Insurance® of St Louis City |(314) 645-2100MJM Insurance of St Louis City understands the various needs of Missouri homeowners, and can help homeowners understand the available Missouri Home Insurance Coverage Options.  Our agents offer complimentary reviews of the homeowner’s current policy and determine if the homeowners insurance coverages properly protects the individual and/or family with dwelling, personal property, other structures, liability, medical, and specialized insurance coverages.

Homeowners may know that their insurance covers the house they live in, maybe their shed and personal items.  But how many of them actually know what it would cost to rebuild their house after a disaster?  Homeowners should conduct a home inventory of their personal belongings and calculate current “actual cash value”.  There are many items to consider, which is why it is important to consult with a licensed agent with MJM Insurance of St Louis City.  Our licensed insurance agents will walk you through each step of buying homeowners insurance, so that you make the right decision for you and your family.

Missouri Home Insurance Coverage Options – Standard Policy

Section I – Property Coverages Section II – Liability Coverages

Coverage A – Dwelling

Coverage B – Other Structures

Coverage C – Personal Property

Coverage D – Loss of Use

Coverage E – Personal Liability

Coverage F – Medical Payments to Others

*No deductible

 

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Missouri Auto Insurance Roadside Assistance Options

Insurance Carriers Offer Different Packages, Which Roadside Package Should You Choose?

Missouri Auto Insurance Roadside Assistance Options | MJM Insurance of St Louis City | (314) 645-2100We all hope that we’ll never need roadside assistance, but life happens! So you’re buying an auto insurance policy and have the option to select roadside assistance. But is it the best for your situation?  Not all insurance companies provide the same Missouri Auto Insurance Roadside Assistance options. Each carrier offers their own package and this article explains the pros and cons of roadside assistance options from different carriers.

This article outlines general policy descriptions to help you understand the different types of Missouri Auto Insurance Roadside Assistance options. They are not intended to modify any provisions in any contract of insurance.  Example of Roadside Assistance options include, but are not limited to the following:

  • Towing – not all Roadside Assistance plans are open 24/7.
  • Tire Changes – may require that you have the spare tire.
  • Lockouts – open car door or replace the lock for a nominal fee that is not included.
  • Lost-key Replacement – only if the key can be made at the time of service.
  • Fuel Delivery – up to a set number of gallons. A lot of times we see up to 1 gallon of gas.
  • Jump Start Battery Service – free battery test and jump start to get you to the closest garage or your destination.
  • Minor Roadside Repairs – at the site of disablement; e.g.,  loose hose connection, reattach loose parts.
  • Trip Interruption – pays for overnight stay and food if you are stranded while your vehicle is being repaired.

Some plans offer extras:

  • Roadside assistance when you’re on your bicycle.
  • Discounts for drivers who own hybrid cars.
  • Coverage for re­doing any repair that fails within six months or 6,000 miles.
  • Reimbursement for services you arrange on your own.
  • Coverage for rental car breakdowns.
  • Coverage for you, your spouse, and children under 21 living at home.

Missouri Auto Insurance Roadside Assistance Options | MJM Insurance of St Louis City | (314) 645-2100Additionally, different carriers offer different pricing tiers.  Some providers offer a yearly membership plan and some carriers have a pay-per-use roadside service option.  Pay-per use roadside assistance is typically billed at a higher rate than an annual plan or option in your auto insurance policy.  Average price for pay-per-use ranges between $59 for non-tow services and $129 for towing service, and some carriers restrict the number of tows per year.

When you are researching Missouri Auto Insurance Roadside Assistance options, be sure to ask about the number of miles included in the towing service. Some carriers offer up to 200 miles of towing, while some carriers charge $75 for only 50 miles. Furthermore, some towing companies may tow you to a location of your choosing, while others take you to the closest repair shop.  If your Missouri Auto Insurance Roadside Assistance coverage lets you choose your towing destination, find out if you will be charged if you exceed mileage limits.

Generally, tow truck drivers are contracted by the insurance company.  The insurance provider may exclude liability for any damage, injury or loss resulting from the negligence of the independent service facility.  Independent contractors are solely responsible for their actions. Any arrangements made between the towing company and the insured is considered outside of the covered services and are not covered by the insurance company.

There are many restrictions to Missouri Auto Insurance Roadside Assistance services. Some of them are noted below; however, each carrier is different. Just be sure to ask your agent what services are restricted in your auto insurance policy.Missouri Auto Insurance Roadside Assistance Options | MJM Insurance of St Louis City | (314) 645-2100

  • Service on taxis, buses, moving trucks, limousines or step.
  • Service to unregistered vehicles that are not legally driveable.
  • Services to vehicles which the service provider has determined to be unsafe.
  • Service to a vehicle which is snowbound.
  • Service on a vehicle to which a plow is attached.
  • Service to an unattended vehicle.
  • Service for a vehicle located at a repair facility.
  • Removal of a vehicle from a closed repair facility.
  • Limited number of tows per disablement.
  • Requests to tow a vehicle from the street to the driveway.
  • Tire service for dual-rear wheel trucks or vans.
  • Towing of utility trailers attached to a covered vehicle.
  • Towing not related to an accident.
  • Delivery of diesel fuel.
  • No coverage for towing as a result of flood or fire.

An example of a particular restriction we found with an insurance carrier is given below:

Trip Interruption expense reimbursement qualifications:  Your vehicle must be involved in an accident in the United States or Canada, 200 miles or more from home, while on a trip planned to include at least 1 overnight stay and, due to the accident, your vehicle must be inoperable for a minimum of eight hours.

When we breakdown or need roadside assistance, we don’t have time to think about the
restrictions… Am I far enough away from home? … Will my vehicle be repaired in less than 8 hours? … How far will the tow truck driver take me?

Consult with our professional agents to determine which package is best for you. Some auto insurers consider calls for roadside assistance to be negatives, just like accident claims. We can help you choose a plan with the most generous towing allowance and trip-interruption benefits.

Give us a call today and we will review your Missouri Auto Insurance policy at no charge. Click here to contact us or call our office at (314) 645-2100.

Why Choose MJM Insurance of St Louis City?

MJM Insurance® of St Louis City is a full service Independent Insurance Agency representing many of Missouri’s premier personal and commercial insurance carriers. We assess risks and shop for companies to find the best coverage for the lowest price. With a combined experience of over 60 years in the St Louis Missouri insurance industry, our agents are knowledgeable and competent specializing in auto, home, renters, boat, motorcycle, business automobile, workers compensation, and general liability.

We serve all of Saint Louis City and County including Affton, Shrewsbury, Maplewood, Crestwood, St Louis Hills, Central West End, University City, and Clayton. Our professional insurance agents at MJM Insurance® of St Louis City can help you get the best value for your fundamental insurance needs.

MJM Insurance of St Louis City is a Member of the Trusted Choice Network
We proudly represent many of the industry’s leading national and regional insurance companies offering competitive rates through Travelers, Safeco, EMC, Columbia Mutual, Kemper Preferred, Madison Mutual, Progressive, The Hartford, West Bend, Chubb and dozens more.

For our clients’ convenience, our agents are available for after hours appointments and Saturdays. Our normal office hours are Monday – Friday from 9am to 6pm. We are dedicated to providing the most exceptional and timely customer service in the industry.

Contact us for your free, no obligation risk evaluation.