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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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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 Auto Insurance Education

How Insurance Works, Premiums and Deductibles

Missouri Auto Insurance Education | MJM Insurance of St Louis City |  (314) 645-2100 MJM Insurance of St. Louis City is not just an insurance agency, we care about our clients’ well-being and take the time to help our clients understand Missouri Auto Insurance and build a long-term, trusting relationship. We provide the tools and resources necessary for consumers to receive the proper Missouri Auto Insurance Education.  Helping you understand your policy is our duty as a Trusted Choice Agent.

As part of our Missouri Auto Insurance Education, we have included the basic information about your auto insurance policy. Our agents offer a free review of your policy to determine if you have the proper coverages, terms, limits, conditions, and exclusions.

The Missouri Auto Insurance Policy

An insurance policy is a contract between a policy holder and an insurance company.  All policies are unilateral in that the policy holder pays the insurance company a premium. The purpose of an auto insurance policy is to make one whole, or return the policy holder back to their original condition prior to a covered financial loss.  For example: you own a 2015 vehicle with actual cash value of $20,000 and the car was totaled by a covered peril.  The recovery amount is limited to the amount of the actual loss incurred, and not the actual cash value – or replacement cost less depreciation.

Auto Insurance Laws in Missouri

Missouri law requires motorists to have auto insurance.  No owner of a motor vehicle registered in Missouri may operate, register, or maintain registration of a motor vehicle, or permit another person to operate the vehicle, unless the owner maintains the required liability coverage.

* Proof of insurance must be carried in the insured motor vehicle at all times. *

Missouri law requires all drivers to carry at least state minimum – in the amount of $25,000 because of bodily injury to or death of 1 person in any 1 accident and, subject to the limit for 1 person, $50,000 because of bodily injury to or death of 2 or more persons in any 1 accident, and $10,000 because of injury to or destruction of property of others in any 1 accident.

Auto Insurance Policy 

There are 6 parts to your auto insurance policy and our professional agents can help you determine the best coverages you need for your situation with a price that meets your budget.  We have access to multiple carriers – so let us shop your insurance for you!  Consider this: if you have 2 teenage drivers on your policy and own a $500,000 home – our agents would recommend enough coverage for a loss up to $500,000 so that your mortgage is covered in case of loss.

Liability Insurance protects you, the insured/policy holder, against a claim made by another party, and covers the insured’s legal responsibility to body and property damage.Missouri Auto Insurance Education | MJM Insurance of St Louis City |  (314) 645-2100

  • Bodily injury liability (BI) insurance covers you if you cause an accident in which someone else is injured. Your policy is designed to pay claims for each person injured in an accident, and limits the total paid per occurrence.
  • Property damage liability (PD) insurance covers you when you damage someone else’s property. For example, your property damage will pay out when you are at fault for an accident that causes damage to someone else’s car.
  • Collision insurance pays for damage to your car if you run into another object. This coverage is not required by law, although your bank may require it if you have a lien on your car. This is commonly known as “full coverage”.
  • Comprehensive insurance covers you in case your car is damaged other than a collision. The covered perils include hail, fire, theft, flood, earthquake, explosion, falling objects, and encounters with wildlife, such as deer. Comprehensive is optional coverage and you may choose your deductible amount.
  • Uninsured/Underinsured motorist (UM/UIM) insurance covers your expenses when you are hit by a driver who does not carry adequate, if any, auto insurance. Our agents always recommend carrying uninsured/underinsured motorist insurance so that you are not left with a financial loss because of someone else’s negligence to carry auto insurance.
  • Medical insurance coverage (Med Pay/MPC) acts as primary coverage for medical expenses you and your passengers incur if injured in a motor vehicle accident, regardless who’s at fault. Med pay can help you pay your bills as soon as they are incurred.

Cost of Missouri Auto Insurance

Insurance premiums are determined by the statistics of a large group of people who share the same risk. Many factors can affect your premium, and they all help determine how likely you are to have an accident. Click here for more information from the Insurance Information Institute.  Some of the factors that will be used to determine the cost of insurance can include your credit score, driving history, motor vehicle report, the type of car you drive, etc.  Insurance companies obtain the ratio of exposure by analyzing industry trends and driver statistics.  For example: if you live in an area where the average age of drivers is 55 years and they have decent driving records; the risk is slim, therefore calculating a lower premium.  It’s not that simple, but you get the idea.

Missouri Auto Insurance Deductibles

A deductible for an auto insurance policy is the amount of money you agree to pay for damages before the insurance company provides payment towards the damage/loss.  Choosing a higher deductible means there is less risk of a payout for the insurance company, and so you may pay smaller premiums.  MJM Insurance of St. Louis City can help you make an informed decision on how to choose your deductible. Everyone’s situation is different and we understand some may be able to afford a larger deductible, others may not.

 

Contact one of our professional agents to schedule a free auto policy review and we’ll make certain you have the best coverage at the best price! (314) 645-2100


Missouri Auto Insurance Resourceshttp://insurance.mo.gov/consumers/auto/documents/AutoGuide.pdf