Where to Learn More About Auto Insurance in St Louis Missouri

MJM Insurance® of St Louis City Is Here To Help!

Where to Learn More About Auto Insurance in St Louis Missouri | MJM Insurance® St Louis City | (314) 645-2100There are many insurance companies and optional coverages to choose from, it can be overwhelming trying to find where to learn more about auto insurance in St Louis Missouri.  The professional agents at MJM Insurance® of St Louis City are ready to help.

When you search “ where to learn more about auto insurance in St Louis Missouri” on the internet, there are about 3,500,000 results!  That’s a lot of information to sift through!  Then you ask yourself, maybe I need to talk with an expert.

When searching where to learn more about auto insurance in St Louis Missouri,  state insurance departments are the best sources for company and agent licensing information.  The Missouri Department of Insurance is a valuable resource for consumers.  Here you can find laws & regulations, find forms and find a reputable insurance company.

The Missouri Department of Insurance also offers detailed information about companies regulated by The Missouri Department of Insurance, Financial Institutions and Professional Registration (DIFP).  Here you can also verify that an agent or company is in compliance with running a business and their agents are licensed to sell insurance.  You can also subscribe to DIFP’s newsletter that is chocked full of information for the consumer.

When searching where to learn more about auto insurance in St Louis Missouri, be sure to investigate the company.  Some of the things you should be looking for is how much business the insurance company produced last year and if they’ve had any complaints.  You can also find reviews online when researching on Google and FaceBook.

Don’t waste your time searching, call MJM Insurance® of St Louis City!  We are the best place to learn more about auto insurance in St Louis MO.  Our expert agents are here to help you!

MJM Insurance® of St Louis City takes pride knowing our professional staff provides exceptional service and value to our clients.  We combine years of experience, top-rated companies and products to provide you with accurate information while shopping for you. You save time and money and get the best value for your St Louis Missouri insurance needs.

Our agents take time with you to help you understand your coverages and potential risks by not having the right coverages.  Look no further, MJM Insurance® of St Louis City is where to learn more about auto insurance in St Louis Missouri.  Contact us today for your free assessment.

Where To Learn More About Home Insurance In St Louis MO

MJM Insurance® of St Louis City is the Place!

Where To Learn More About Home Insurance In St Louis MO | MJM Insurance® St Louis City | (314) 645-2100MJM Insurance® of St Louis City knows it is important to help home owners understand the options and how to best protect their family and assets in case of a loss.  Our agents are here to help business owners know where to learn more about home insurance in St Louis MO.

As a homeowner there is more to stake than just your mortgage. Homeowners are also responsible for personal injury as well.  If someone were to get injured while visiting friends, they could sue you for medical bills, loss of wages, etc.  MJM Insurance® of St Louis City can help you find where to learn more about home insurance in St Louis MO.

Not any homeowner policy is the same. Your policy includes literally dozens of options and there are many decisions you must make that determine how much insurance protection you actually have and/or need.  Your home insurance policy is not just a piece of paper that you think you’ll never use.  If disaster strikes you’ll be glad you are protected!

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How To Buy Auto Insurance In St Louis City Missouri

Its Easy!  Visit Our Automated Quote Service Or Call Us Today!

How To Buy Auto Insurance In St Louis City Missouri | MJM Insurance® of St Louis City | (314) 645-2100Unfortunately, not many people know how to buy auto insurance in St Louis City Missouri, to get the best coverages at the lowest price. Well, MJM Insurance® of St Louis City has fixed that problem!  Our new auto insurance quote engine is the easiest way to find coverage and retrieve auto insurance quotes from multiple carriers, in a short amount of time!  As an Independent Insurance Agency, MJM Insurance of St Louis City represents many of Missouri’s premier personal and commercial line insurance carriers and this new system makes shopping for insurance easier for the consumer to get multiple quotes at one time.

Click here to access the automated system.

MJM Insurance of St Louis City offers competitive rates through Travelers, Safeco, EMC, Columbia Mutual, Kemper Preferred, Madison Mutual, Progressive, The Hartford, West Bend, Chubb and many more.  Enhancing the quote automation for buyers makes the process to shop and receive auto insurance quotes from multiple carriers quick and easy.

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What is Uninsured Motorist Insurance In St Louis City MO?

Your Policy Requirements And Coverages Available

What is Uninsured Motorist Insurance In St Louis City MO? | MJM Insurance® of St Louis City  (314) 645-2100 Many people ask What is Uninsured Motorist Insurance In St Louis City MO? Our insurance agents at MJM Insurance® of St Louis City are ready to help!  It is not an easy task to understand all of the issues involved in 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.  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.

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What Are Auto Insurance Requirements in St Louis City MO?

Risks You May Be Taking If You Do Not Have The Proper Coverage

What Are Auto Insurance Requirements in St Louis City Missouri? | MJM Insurance® of St Louis City |(314) 645-2100Many people ask themselves, “ What Are Auto Insurance Requirements in St Louis City MO? “  First, and foremost, Missouri law requires that all motor vehicle owners maintain at least the state minimum auto liability insurance coverage. MJM Insurance® of St Louis City agents are here to help you understand the requirements for auto insurance and the risks you may be taking if you do not have the proper coverage.

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What is the Value of Life Insurance in Arnold Missouri?

You Can’t Put a Price On Your Family

What is the Value of Life Insurance in Arnold Missouri? | MJM Insurance® of St Louis City |(314) 645-2100

There should be no question, What is the Value of Life Insurance in Arnold Missouri?  Simple answer — protecting your family. You can’t put a price on this type of value.

MJM Insurance® of Arnold has a group of experienced, licensed, life Insurance agents to help you through the process of buying life insurance and can explain your options to help you make the best informed decision for the life insurance product that best meets your needs and protect your family.

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St Louis City Missouri Life Insurance

Protect What is Most Important to You with Life Insurance

St Louis City Missouri Life Insurance | MJM Insurance® of St Louis City |(314) 645-2100

 

One of the main purposes of St Louis City Missouri Life Insurance, as with any insurance, is peace of mind.  If your family should suddenly be affected by a tragic event, the beneficiaries named in your policy receives the benefits of the policy.  Family income protection is one of the most important needs for life insurance coverage.

We can help.

MJM Insurance® of St Louis City offers experienced, licensed, Life Insurance agents to help you through the process of buying life insurance and explaining your options to help you make the best informed decision for the life insurance product that best meets your needs.

 

  Why St Louis City Missouri Life Insurance? 

  • If you have kids, you should have it.
  • If you support your spouse, you should have it.
  • If you own your own home and have a mortgage, you should have it.
  • If you have personal or business loans, you should have it.
  • If you think at some point you will need to be in a nursing home.

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St Louis MO Home Insurance

Contents And Personal Property Insurance

St Louis MO Home Insurance | MJM Insurance® of St Louis City | (314) 645-2100You may think getting the right home insurance means just calling an agent, giving him your address, what year the home was built, and some details on the property is enough.  Getting the right St Louis MO Home Insurance is important to protect you, your family, and your home – if there is a loss.  Selecting MJM Insurance® of St Louis City is your best choice for licensed insurance agents who can provide you comprehensive homeowners insurance.

Think about your existing policy – did your agent come to your home and take photos?  What if you have an above ground swimming pool and it collapses, flooding your basement?  What if your neighbor’s tree falls on your home?   Do you have a record of the content in your home and how it is covered by your homeowners insurance?

It is imperative to discuss the above scenarios, and other areas about your property with your agent.  MJM Insurance® of St Louis City can help you identify items in, and around your home, that may, or may not, be covered.

First, if you own your home, contents or personal property insurance will be part of your overall house insurance policy. If you rent, it’s still important to get contents insurance as your landlord’s building policy will not cover your belongings  There are many options when it comes to insuring the contents of your home. Understanding the coverage you need and the pros and cons of the major insurers will help you get the best coverage for the best price.

Start by performing a proper valuation of your contents.  Take photographs, videos and make a complete list of your personal items.  Save receipts and/or record the dates purchased and the purchase price. It is important to have an estimate value of your belongings recorded with your insurance policy. If you combine contents insurance with a house policy, the contents portion is often valued at a percentage of the house value. If you do not establish a detailed valuation of your assets, it may leave you under insured or paying premiums that are too high.

The most common mistakes homeowners make are thinking their home insurance policy covers everything and do no seek the services of a professional insurance agent.  It is important to understand the limitations of your coverage. Regardless of the contents policy you choose, it may not cover every loss situation or every asset. Your MJM Insurance® of St Louis City insurance agent will explain the “exclusions or limitations” of your homeowners insurance policy and make so that you have any additional endorsement to ensure you are covered.

Expensive artwork, jewelry, and other “collectibles” may need to be insured separately. If you’re a collector of antiques or vintage items such as sports cards or antique glass, your collection will most likely not be fully covered under a standard contents policy. You may be able to obtain a rider on your policy to cover the collection, or you may have to obtain separate insurance for it. This is also true for large art collections and expensive jewelry. Business Insurance Coverages St Louis Missouri | MJM Insurance® Of St Louis City | (314) 645-2100 If the collection is worth several thousand dollars or irreplaceable, you should have the items appraised. The appraisal certificate will be required by the insurance company to verify the contents exist.  We recommend keeping all your paperwork in a safe location, so that they are accessible in the event of a loss.

Beware of the commercials that advertise “home insurance for as little as $$$ a month”.  These low-cost policies may only cover the minimum, leaving you at great risk. Don’t settle for cheap insurance and lose the proper coverage, customer service or timely claims payments. Your home insurance is going to be in place for a long time, so choose a company with a good reputation and a policy that meets your coverage needs.

With a combined experience of over 60 years in the insurance industry, our agents are knowledgeable and competent to find the best coverage for the lowest price.  MJM Insurance® of St Louis City proudly represents 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.

Normal office hours are Monday – Friday from 9 am to 5 pm. Our agents are available for after hours appointments and Saturdays as requested.  We are dedicated to providing the most exceptional and timely customer service in the industry!

St Louis Missouri Auto Insurance Agent

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

If you have been searching online for “St Louis Missouri Auto Insurance Agent”,  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 Missouri, 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.

MJM 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.

 

MJM Insurance® of St Louis City is a full service Independent Insurance Agency representing many of Missouri’s premier personal and commercial lines insurance carriers.  We assess risks and shop for companies to find the best coverage for the lowest price.

So if you have been searching online for “St Louis Missouri Auto Insurance Agent”,  your search is over!   Call MJM Insurance® of St Louis City (314) 645-2100.

Auto Insurance St Louis Missouri

Drivers’ Protection and Responsibilities

Auto Insurance St Louis Missouri | MJM Insurance® of St Louis City | (314) 645-2100The most important need for Auto Insurance St Louis Missouri is to protect you, your passengers and the other drivers. MJM Insurance® of St Louis City is a full service Independent Insurance Agency representing many of Missouri’s premier personal and commercial lines insurance carriers.  We assess risks and shop for companies to find the best coverage for the lowest price.

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability and medical coverage:

  • Property coverage pays for damage to or theft of your car.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

Auto Insurance St Louis Missouri | MJM Insurance® of St Louis City | (314) 645-2100An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you’re financing a car, your lender may also have requirements. Most auto insurance policies are for six months to one year. Your insurance carrier will send statements and your agent will notify you when it’s time to renew the policy.._3d Bar Graph Blue

Whether you have never had a ticket or accident or your driving record is less than perfect, we can help you secure the coverage you want at a great price from a quality insurance carrier.

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. MJM Insurance® of St Louis City agents are here to help you understand your responsibilities as a driver and the best options to fully protect you, your passengers and the other drivers.

St Louis City Missouri Auto Insurance has many components and varies from company to company. Coverages and premium ratings also vary among companies for different drivers and vehicles. A person with a good driving record will pay less–much less than a driver with a couple of tickets, an accident or who has been cited for and convicted of driving under the influence. 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 rural area or small town, even though the two have the same driving records.

It is not an easy task to understand all of the issues involved in 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. MJM Insurance® of St Louis City agents are trained professionals with the certifications and experience you need to find the best coverage to meet your needs for a lower cost by shopping many top-rated companies.

Auto Insurance St Louis Missouri | Drivers’ Responsibilities

Auto Insurance St Louis Missouri | MJM Insurance® of St Louis City | (314) 645-2100Missouri law requires all motor vehicle owners to carry motor vehicle liability insurance coverage. Missouri residents are also required to show proof of insurance when registering a motor vehicle or renewing their license plates. All motor vehicle owners must also keep proof of insurance in their vehicle(s). At any time during the period of vehicle registration in Missouri, the Driver License Bureau may request that a vehicle owner show proof of insurance.  If the vehicle owner cannot provide proof of insurance, a driver license suspension is imposed.

It is illegal to drive a motor vehicle in Missouri without automobile liability insurance. The vehicle driver must show proof of insurance to any law enforcement official, upon request, or a traffic ticket may be issued to the driver. Three things may occur for failing to show proof of insurance:

  1. The court will send the conviction to the Driver License Bureau. The conviction will be entered on the driver’s driving record and four points will be assessed. It only takes a total of eight points within an 18-month period to lose your driving privilege in Missouri.
  2. The court may enter an order of supervision. This order is sent to the Driver License Bureau so that the driver can be monitored to ensure automobile liability insurance is being maintained.
  3. The court may enter an order suspending the driver’s driver license for failing to show proof of insurance. This order is sent to the Driver License Bureau at which time the driver is notified of the suspension of his or her driver license.

At MJM Insurance® of St Louis City,  we know vehicle insurance and get you the most discounts possible. Our satisfied customers know we find the lowest rates for their vehicle coverage on Personal Vehicles, Personal Vehicles with Business Use (i.e., for job site visits or sales calls) and for Independent Contractor with Commercial Vehicles. We shop it all. We always give you the lowest rate we can find.

We are physically located in St. Louis, MO and also serve customers in 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.

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 agents and representatives are available when you need us!  Request a policy change, inquire about a policy, get your company’s claims phone number, and more.