St Louis MO Auto Insurance

Easy To Understand Auto Insurance

 St Louis MO Auto Insurance | MJM Insurance® of St Louis City | (314) 645-2100Auto insurance is something that every driver should have. A lot of people simply go and get a quote for the minimum that is required for St Louis MO Auto Insurance, and do not really pay attention to the kind of coverage that they are getting. It is important that you recognize the value of the car insurance coverage that you are getting. MJM Insurance® of St Louis City can help you understand how much the right auto insurance coverage can protect you from the financial liability you will have to assume, if you should get into an auto accident. It is important to find out what kind of protection your auto insurance provides, understand your insurance needs, and make sure that the insurance protection you purchase will give you the best insurance coverage at the most affordable rate.

An auto insurance policy is a contract between you and the insurance company.  The contract guarantees that the insurance company will pay up to the covered amount for necessary expenses resulting from named contingencies. Simply put, if you injure another person or damage their vehicle, your car insurance company would pay them up to the maximum amount stated in your contract for medical expenses or repair expenses.

There are many types of coverages available to you in an auto insurance policy.  The following list will help you understand St Louis MO Auto Insurance, so you can make the right decision that meets your needs.

LIABILITY COVERAGE

All Missouri drivers are required to purchase and maintain minimum amounts of liability coverage. Liability insurance coverage is typically a required type of car insurance. Even in the rare state that does not require liability car insurance, you may find that having liability insurance is worth the financial security.

Liability insurance includes 1) Bodily injury coverage, which pays for injuries suffered by others in an accident you caused and 2) Property damage coverage, that pays for damage you cause to another person’s property in an accident.

UNINSURED MOTORIST COVERAGE

Vehicle coverages can serve as financial protection when your car is damaged or broken down. However, this coverage only pays for your vehicle damages. For comprehensive protection, remember to look into the other 2 main categories of car insurance: liability insurance and medical coverages.

Missouri also requires drivers to hold uninsured motorist coverage for bodily injury at the same minimums as those listed for liability coverage. Liability insurance only pays for bodily injuries or property damage suffered by others when you are at fault in an accident. Liability insurance only pays for bodily injuries or property damage suffered by others when you are at fault in an accident. Your own injuries or property damage are not covered through liability insurance.

MEDICAL CAR INSURANCE COVERAGE

Medical coverage is an important auto insurance coverage. Also known as Med Pay, medical car insurance covers the costs (up to a limit) for injuries that you or  your passengers may have when riding in and while loading or unloading the vehicle.  You and your family may be covered as a pedestrian also.

COMPREHENSIVE AND COLLISION INSURANCE

Comprehensive Insurance Coverages, will help pay for repairs to your car when damaged by an event other than a collision.  Although this coverage may vary between insurance companies, it generally covers damages from fire, theft, vandalism, hail, falling objects, animals or fowl, natural disasters, and all glass breakage. Collision Insurance Coverage will help pay for repairs to your car after it has been damaged in a collision–such as hitting another object.

Comprehensive and collision coverages are optional; however, more often they are typically required as part of a car loan or lease agreement.  Think about this – when you cause an accident, what is your first thought?  Of course, its if everyone is okay, but then you see the damage and wonder how you’ll pay for the other driver’s damage. If you have liability coverage, this will may cover all of those costs. However, if you only carry liability insurance, you could be left to pay for your own damages out of your pocket.

Visit our website for more auto insurance information.

St Louis MO Auto Insurance Options and Discounts

St Louis MO Auto Insurance | MJM Insurance® of St Louis City | (314) 645-2100Insurance rates vary by many factors, and we highly recommend you to discuss the options with your MJM Insurance® of St Louis City agent. One of the best ways to pay lower premiums for auto insurance is to take advantage of as many discounts for which you may qualify. For example, there are discounts for safe driving. If you’ve never been in an auto accident or have never been caught with a moving violation, you should qualify for safe driver discounts. Your age can factor in to your auto insurance premiums as well. If you’re between the ages of 16 and 25, you will have to pay higher auto insurance premiums anyway.

There are many optional auto insurance coverages, and some may qualify you for additional auto insurance discounts.  These coverages include Glass Breakage Coverage, Emergency Roadside Assistance, GAP Insurance, and Rental Reimbursement Coverage.

As your life transitions, you should also review your auto insurance coverages. With all the variables in auto insurance rating tiers, you may not be protected properly or have the best price for the coverages you need. You should discuss any life changes with your agent, when any of the following occur. It could cost you more money in the long run, or you could receive substantial discounts.

These types of life changing events include:

  • Changes in your employment
  • Marital status
  • Credit score (good or bad)
  • More than 3 years since a Moving Violation
  • Or recently received a Moving Violation
  • Moved to a New Zip Code
  • Purchased a new home
  • Started a family
  • Changed the Number of vehicles you own

Any of these events can change your insurance rates. You owe it to yourself to purchase the best coverage for the best price. Chesterfield MO Auto Insurance coverages have many components and rates vary from company to company. Sometimes insurance companies have better rates or offers in certain demographics. Just because your current carrier offered the best price 2 years ago doesn’t mean they are still the best choice.

In order to have the best coverage, you will want to talk with one of our experienced auto insurance agents about the types of auto insurance coverages that are right for you. If you don’t get the right coverage, you may be at risk for financial disparity, or you may be paying for coverage you do not need.

Call an agent with MJM Insurance® of St Louis City anytime!  We will shop top rated auto insurance companies and find the coverages you need for the best price!

Auto Insurance Coverages St Louis Missouri

MJM Insurance® of St Louis City Can Help You Find the Right Auto Insurance

Auto Insurance Coverages St Louis Missouri | MJM Insurance® of St Louis City  (314) 645-2100If you have been searching online for “Auto Insurance Coverages St Louis Missouri ,” you have reached your destination.  This article has been written to provide a brief overview of auto insurance coverages available in Missouri.  Auto insurance coverages can be quite confusing and trying to figure out what deductibles and coverages are best for you can be very challenging.   With hundreds of auto insurance companies and the many different policies, the best car insurance purchase decision is often made with the help of a local, professional insurance agent.  Our insurance agents at MJM Insurance® of St Louis City are ready to help!

Many factors are involved in determining auto insurance rates.  Driving records, age of drivers, value of cars, location of residence, credit scores, and many others.  Life changing events also may have an impact on your insurance needs. You should discuss any life changes with your MJM Insurance® of St Louis City agent when any of the following occur.

 

Auto Insurance Coverages St Louis Missouri:   The types of life changing events

  • Changes in your employment
  • Marital status
  • Credit score  (good or bad)
  • More than 3 years since a Moving Violation
  • Or recently received a Moving Violation
  • Moved to a New Zip Code
  • Purchased a new home
  • Started a family
  • Changed the Number of vehicles you own

Any of these events can change your insurance rates. You owe it to yourself to purchase the best coverage for the best price.  St Louis City Missouri Auto Insurance coverages have many components and rates vary from company to company, and sometimes insurance companies have better rates or offers in certain demographics.  Just because your current carrier offered the best price 2 years ago doesn’t mean they are still the best buy.

In order to have the best coverage, you will want to talk with your auto insurance agent about the types of auto insurance coverages that are right for you. If you don’t get the right coverage, you may be taking an unnecessary financial risk, or you may be paying for coverage you do not need.

There are many types of coverages and the following list will help you understand each type of auto insurance so you can make the right decision that meet your needs.

 Auto Insurance Coverages St Louis Missouri:  Types of Liability Coverage

All Missouri drivers are required to purchase and maintain minimum amounts of liability coverage. Liability insurance coverage is typically a required type of car insurance. Even in the rare state that does not require liability car insurance, you may find that having liability insurance is worth the financial security.

Liability insurance is composed of the following coverage types:

  • Bodily injury coverage – pays for injuries suffered by others in an accident you caused.
  • Property damage coverage – pays for damage you cause to another person’s property (typically their vehicle) in an accident.
  • $25,000 for bodily injury, per person.
  • $50,000 for total bodily injury (when multiple people are injured).
  • $10,000 for total property damage.

Auto Insurance Coverages St Louis Missouri:  Uninsured Motorist Coverage

Auto Insurance Coverages St Louis Missouri  | MJM Insurance® of St Louis City | (314) 645-2100Chances are, you depend 100% of the time your car is running and gets you from point A to point B, and you rely on it completely for transportation. When something goes wrong with it, you need to be able to afford to pay for repairs.

Vehicle coverages can help act as financial protection when your car is damaged or broken down.  Remember, this coverage only pays for your vehicle damages. For comprehensive protection, remember to look into the other 2 main categories of car insurance: liability insurance (Pays for injuries and property damage to others in an accident you cause.) and medical coverages (Helps pay for medical care after you or your passengers sustain injuries in an accident).

Missouri also requires drivers to hold uninsured motorist coverage for bodily injury at the same minimums as those listed for liability coverage.  Liability insurance only pays for bodily injuries or property damage suffered by others when you are at fault in an accident.  Liability insurance only pays for bodily injuries or property damage suffered by others when you are at fault in an accident. Your own injuries or property damage are not covered through liability insurance.

Auto Insurance Coverages St Louis Missouri:  Medical Car Insurance Coverage

Medical coverage is one of three main groups of car insurance coverages that also include liability insurance and vehicle coverages.  Medical car insurance coverage helps pay for costs you encounter after you or your passengers are hurt in a car accident.  The two main types of medical coverage are Medical payments coverage and Personal injury protection.  Medical Payments Coverage will help pay for your medical bills after you are hurt in an automobile accident. Medical payments will help pay for funeral costs. Unfortunately, the Institute for Hwy Safety Fatality reports nearly 25% of ALL car accidents end in death. Coverages also include injuries suffered by your passengers, injuries you sustain as a pedestrian or bicyclist if you are hit by a car, and necessary dental care resulting from a car accident.

Details may vary depending on your car insurance company. Call and discuss your options with an MJM Insurance® of St Louis City agent to learn more about their medical payments coverage.

Auto Insurance Coverages St Louis Missouri:  Comprehensive and Collision Coverages

Comprehensive Insurance Coverages, sometimes referred to as “other than collision,” will cover damages to your car generally caused by non collision incidents. These coverages may vary with different insurance companies, but you will generally be covered for damage from fire, theft, vandalism, falling objects, animal or fowl, and natural disasters. Comprehensive also covers glass breakage.   Collision Insurance Coverage will help pay for repairs to your car caused by hitting or colliding with an object.

Comprehensive and collision coverages are optional coverages; however, they are typically required as part of a car loan or lease agreement.

When you cause an accident, your first concern will probably be how you’ll pay for the other driver’s damage. If you have liability coverage, this will hopefully cover all of those costs. However, if liability is the only protection you have, you could be left with no way to pay for your own damages.

Auto Insurance Coverages St Louis Missouri:  Other Auto Insurance Coverages

There are many other auto insurance coverages, some of which will qualify you for additional auto insurance discounts. These coverages include Emergency Roadside Assistance, GAP Insurance, and Rental Reimbursement Coverage.

You can learn more about these coverage types, and additional coverages by visiting our webpage, Auto Insurance, and reading the Bodily Injury and Property Damage Coverage page in your policy.  More information about auto insurance coverages and requirements by law can be found online at Missouri Department of Revenue.  Contact us for your free, no obligation risk evaluation.

Auto Insurance Agent St Louis MO

Auto Insurance Agent | MJM Insurance of St Louis City | (314) 645-2100

If you have been searching online for “Auto Insurance Agent St Louis MO”,  your search is over!  MJM Insurance® of St Louis City opened in 2007 as a full service Insurance Agency in StLouis City Missouri. The agents of MJM Insurance® of St Louis City are fully licensed and comply with the Missouri Bureau of Insurance requirements.  Once a person receives a license they must comply with continuing education requirements.  Our Auto Insurance Agents in St Louis MO are required to maintain education requirements and complete courses approved by the Missouri Insurance Department.  All of our agents throughout the company are compliant and ready to work for you.  We serve all of St Louis City, Affton, Shrewsbury, Maplewood, Crestwood, St Louis Hills, Central West End, University City, and Clayton.

So–if you are looking for an Auto Insurance Agent near St Louis MO, you need look no further.  Our Agents are dedicated to providing every client with St Louis auto insurance coverages that are tailored to fit their individual needs. We provide the tools and resources necessary to help you understand your options.  MJM Insurance® of St Louis City pride ourselves on the fact our clients trust the staff and licensed agents of our firm. Year after year, our team continues to review, improve, and renew our products about the agency; in addition to maintaining relationships with our valued carrier partners.  Our exceptional efforts and commitment ensure our clients’ fundamental insurance needs are met completely, competitively, proudly and locally by the staff at MJM Insurance® of St Louis City.

MJM Insurance® of St Louis City agents are advisors you can trust.  We have access to the best insurance carriers in the industry; purchasing insurance through your local independent agents is the best way to shop for auto insurance. Good insurance advice is crucial to your financial security. A local Auto Insurance Agent in St Louis MO who partners with some of the best insurance carriers in the country can offer insurance choices and options from a variety of companies—not just one. We are committed to being your advocate during times of need.

Top three benefits of using an MJM Insurance® Auto Insurance Agent in St Louis MO:

  1. Personal service
    Agents are trained to assess your needs, offer unbiased advice and support you should the unexpected happen.
  2. Peace of mind
    Your auto insurance agent is a member of your local community and can handle your full range of insurance needs all in one place.
  3. Value
    Your independent agent can access insurance coverage from multiple carriers – such as AAA, Travelers, Safeco, EMC, Kemper Preferred, Progressive, The Hartford, West Bend and Chubb –  to provide you with the best mix of savings and pricing.

Brian Jones:  Auto Insurance Agent St Louis MO | MJM Insurance of St Louis City | (314) 645-2100MJM Insurance® of St Louis City is 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 City 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.

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

You can depend on us to solve problems quickly.  MJM Insurance® of St Louis City 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.

Our agents have a strong work ethic and are 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.

Auto Insurance Quote St Louis MO 63139

MJM Insurance® of St Louis City is a full service Independent Insurance Agency

Representing many of Missouri’s premier insurance carriers, MJM Insurance® of St Louis City can provide you with the best Auto Insurance Quote St Louis MO 63139.  Serving all surrounding counties 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 auto insurance needs.

Auto Insurance Quote | MJM Insurance® of St Louis City MO 63139

We proudly represent many of the industry’s leading national and regional insurance companies offering competitive rates through AAA, Travelers, Safeco, EMC, Kemper Preferred, Progressive, The Hartford, West Bend, Chubb and dozens more. MJM Insurance® of St Louis City agents are available for after hours appointments and Saturdays. We are dedicated to providing the most exceptional and timely customer service.

The best car insurance purchase decision is often made with the help of a local, professional insurance agent. Insurance protection is different for every driver and each type of vehicle. 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 – for example St Louis, New York, Chicago or Los Angeles – will pay also pay more than someone who lives in a small town, despite the two have the same driving records.  For more information visit Alternatives Insurance® of St Louis City or call to get the best Auto Insurance Quote St Louis MO 63139.

MJM Insurance® of St Louis City 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 dedication to client service comes from a culture of professionalism and respect. All of our associates at MJM Insurance® of St Louis City have strong credentials and stay on top of current trends in the insurance industry.  We can find the best Auto Insurance Quote St Louis MO 63139 can offer.

MJM Insurance® of St Louis City has strong relationships with insurance carriers, allowing us to provide quick turnaround time on all your questions, needs, and insurance claims.  We train our staff members to be proactive and provide the right answers, helping our customers understand their insurance coverages.

Trust is the most important attribute in our agency.  We earn your trust by becoming your partner and ensure we listen to our customers and provide top notch service. 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.

St Louis Missouri Auto Insurance

St Louis City Missouri Auto Insurance by MJM Insurance of St Louis City  (314) 645-2100We Find the Best St Louis Missouri Auto Insurance Coverage for You

St Louis Missouri Auto Insurance can be purchased in many ways.  You can buy it online.  You can dial an 800 number and get it from an auto insurance company. You can call a local St Louis Missouri Auto Insurance agent. In some cases, you can buy it at your bank or credit union.  The choices are many and the challenge to purchase the Best Auto Insurance to meet your needs can be difficult.

In the midst of all the St Louis Missouri car insurance commercials and advertisements, it may seem that auto insurance is just a commodity–a product that is the same at every company.  It’s not.  Auto Insurance policies in St Louis Missouri can be  very different and have very different cost.   You’re not buying a container of salt;  You’re protecting your financial well being…and the choices you make could affect you for the rest of your life.  

With hundreds of auto insurance companies and the many different policies, the best St Louis Missouri Auto Insurance purchase decision is often made with the help of a professional insurance agent.  Our insurance agents at MJM Insurance of St Louis Missouri are ready to help!

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Why Choose  MJM Insurance® of St Louis City?

MJM Insurance®  of St Louis opened in 2002 as a full service Independent Insurance Agency that represents many top-rated companies.  We assess risks and shop companies to find the best coverage for the price.  One of our Insurance Agents can help you get the best value for the insurance you need.

With a combined experience of over 60 years in the insurance industry, our agents are knowledgeable and competent specializing in automobile, homeowners, renters, boatmotorcycle, commercial automobile, workers compensation, and general liability.  We serve all of Saint Louis City and County including Affton, Shrewsbury, Maplewood, Crestwood, St Louis Hills, 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 represents many of the industry’s premier national and regional insurance companies offering competitive rates through AAA, Travelers, Safeco, EMC, Kemper Preferred, Progressive, The Hartford, West Bend, Chubb and many more.

For our clients’ convenience, our Insurance Agents are available for after hours appointments and Saturdays. Our normal office hours are Monday – Friday from 9 to 5 (don’t be surprised to find us here much later or on weekends).  We are dedicated to providing the most exceptional and timely customer service in the industry.

Call, request a quote by email, or visit us at our office today for a free, no obligation risk assessment and quote.  Let us do the research and find the best St Louis City Missouri Auto Insurance value for you.

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Learn More:  Personal Insurance Coverage for Different Needs

On the right sidebar of this page, we have include links to a number of personal insurance resources.  Click on any of the different personal insurance coverage categories to learn more about specific insurance issues and coverages.   Please call one of our insurance agents  for any assistance.

 

 

 

ST LOUIS INSURANCE BLOG | MJM INSURANCE™ OF ST LOUIS

Thank you for visiting our St Louis City Insurance blog!trustedchoice-trans1

First, allow us to introduce ourselves….

MJM Insurance® of St Louis is a well established full-service insurance agency.  As an independently owned St Louis City insurance operation, our licensed agents have access to several A+ rated insurance carriers such as Safeco, The Hartford, Travelers, EMC, Progressive, MetLife, and dozens more. 

Our professional agents assess the risks and exposures the consumer may be facing.  Our goal is to shop insurance for the consumer – a/k/a “you!”  We shop multiple carriers and find you the best protection at the best price.  We’ll help save time and heartache trying to figure out which specific coverage goes with which type of risk.

The insurance products we offer include automobile, homeowners, business, power sports, life, and other specialty lines.  During the client risk assessment, our agents review coverage and compare how you’re currently protected, and provide recommendations about how you should be protected. The coverage includes liability, property damage, bodily injury, personal property, home and renters coverage, business liability, workers compensation, personal or business investments and much more.

So now you know!

It is our goal to ensure Missouri consumers are well-informed about insurance and protecting themselves and their families. Our agents offer the Missouri Insurance Blog to provide information and educational resources for drivers, homeowners, business owners and everyone in between!  This blog and our site are dedicated to providing Missouri consumers valuable information related to insurance products and risk management solutions. 

So why purchase your St Louis City Insurance from us?

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.