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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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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 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 Coverages

Missouri Auto Insurance Coverages, What They Mean For You

Missouri Auto Insurance Coverages is protection from damage to a vehicle(s) and bodily injury resulting from an auto accident. Insurance can cover a variety of instances depending on the kind of auto insurance policy that has been purchased.

 

Missouri Auto Insurance Coverages | MJM Insurance of St Louis City | (314) 645-2100Missouri Auto Insurance Coverages – Liability

Liability Coverage protects the other person(s) involved with an accident that is your fault.  Liability coverages include Bodily Injury Per Person, Bodily Injury Per Accident, Property Damage and Uninsured Motorists Coverage.

Let’s say for example, you have 50/100/50.  $50,000 is for Bodily Injury, Per Person.  If you should have an accident and a person was severely injured and incurred $75,000 in medical bills, your insurance will only cover $50,000.  $100,000 covers the Total Bodily Injury Per Accident.  This is used when multiple people are injured in the same accident.  So if you’re involved in an at-fault accident and 5 people are severely injured, your insurance will only pay $100,000 total.

Uninsured/Underinsured Motorist Coverage

This coverage is for bodily injury at the same minimums as those listed for liability coverage. Using the example above, the Uninsured/Underinsured Motorist Coverage would be $50,000. This amount protects you if you’re in a car accident and the other driver is at fault – and that driver has minimum liability limits or doesn’t have car insurance! This coverage also provides insurance for injury-related medical expenses and costs associated with repairing damage to your car.

Missouri Auto Insurance Coverages | MJM Insurance of St Louis City | (314) 645-2100“Although purchasing only the minimum State required Bodily Injury Insurance limits can get you a cheaper auto insurance rate, if you cause a serious accident, you are likely to have inadequate coverage due to the price of cheap insurance.  Many vehicles today have a much higher value than the Missouri minimum Property Damage Liability limits of $10,000.  You would be responsible for any amount of property damage over the minimum limits, if that is the coverage you purchased.  Multiple persons with severe injuries can each have damages of hundreds of thousands of dollars or more.  That’s why it is important to buy more than the Missouri minimum Bodily Injury Insurance limits.”

Missouri Auto Insurance Coverages – Comprehensive & Collision

Many people refer to Comprehensive and Collision Insurance as “full coverage”.  The correct term is “comprehensive and collision”.  Comprehensive and collision coverages are optional; however, more often they are typically required as part of a car loan or lease agreement.  Think about it — when you cause an accident, what is your first thought after you see the damage done to your vehicle?  If you have liability coverage only, you could be left to pay for your own damages out of your pocket.

Missouri Auto Insurance Coverages | MJM Insurance of St Louis City | (314) 645-2100Comprehensive Insurance Coverages
Comprehensive will help cover costs of damage to your vehicle that result from an event that is not an accident, such as severe weather or fire, theft, vandalism, hail, falling objects, animals or fowl, natural disasters, and all glass breakage.

Collision Insurance Coverage

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

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Collision Coverage pays for damages to your vehicle after a collision with another car or object.  There are other additions you can add to your policy and we will review them with you.  Those are Medical payments, Rental car reimbursement, Emergency roadside assistance and more.

Medical 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.

Personal Injury Protection (PIP)

Personal Injury Protection (PIP) coverage is an extended form of MedPay. PIP may cover expenses that are related to injury, but not necessarily medical, such as lost wages, childcare and funeral costs. PIP coverage is currently required by sixteen states. If you are already insured under a good health insurance policy, then fortunately, you may not need to buy more than the minimum required amount of PIP or MedPay insurance–enough to cover your health insurance deductible or other out-or-pocket expenses such as co-pays.

Missouri Auto Insurance – Optional Coverages

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

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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 Protection, Rental Reimbursement Coverage and GAP Insurance coverage.

You can learn more about these coverage types, and additional coverages by visiting our Auto Insurance page, and by reading the Bodily Injury and Property Damage Coverage pages in your policy.

The Premium

All auto insurance policies involve a premium, which is the payment a customer makes to have auto insurance. Premiums for auto insurance can be extremely divergent and are determined by a number of factors. Gender is the major determinant for auto insurance premiums. Statistically, men are 80% more likely to be involved in an accident, and therefore have a greater need for insurance. Auto insurance premiums for men are typically higher than auto insurance premiums for women. Similarly, teenagers are considered high risk and will have to pay higher auto insurance premiums as well. The auto insurance premium can be reduced if the teenager takes a defensive driving course. Many states require teenagers to take defensive driving courses in order to obtain a driving permit and auto insurance.

The Deductible

It is customary for auto insurance plans to have a deductible that the customer is responsible for before the auto insurance provider offers coverage of expenses. Deductibles can have an effect on the coverage available under an auto insurance plan.

Missouri Auto Insurance Coverages – Friendly Reminders

Missouri Auto Insurance Coverages | MJM Insurance of St Louis City | (314) 645-2100You may be asked for proof of insurance at any and all of these times: at vehicle registration, at the time of an accident, and any time when driving the vehicle. It is suggested that the owner of the car keeps proof of insurance in the car at all times, instead of on his or her person, so that it can be available at all times, no matter who is driving.

You should never drive without Missouri auto insurance.  Any violations of state law regarding auto insurance could result in a hefty fine, suspension of your driver’s license, and possibly time in jail. The dire consequences of driving while uninsured are not worth the neglect of paying for insurance. The chance that an uninsured driver will avoid detection is slim; he is likely to be caught and strictly punished–not to mention and increase in the cost of insurance for 3 to 5 years.

Visit the Missouri Division of Motor Vehicle website to learn more about Missouri Auto Insurance Coverages.

We Can Help!

MJM Insurance of St. Louis City agents can help consumers with questions about Missouri Auto Insurance Coverages, to insure consumers understand what coverages may best meet their needs and we shop multiple carriers to get you the best price.  Consumers can get a quick auto insurance quote anytime during regular business hours and have access to professional insurance agents who will help them make an informative decision and avoid potential risks.

To better understand your Missouri Auto Insurance Coverages, our agents take the time to sit down with you and review your existing policy and help you identify risks, or sometimes, if you are over insured.  Yes, some people are paying too much for their auto insurance!

MJM Insurance of St. Louis City is a supporting member of the Missouri Association of Insurance Agents and committed to the Trusted Choice Pledge.  The company opened in 2002 as a full service Independent Insurance Agency and proud corporate member of MJM Insurance Group, a group membership organization of local St Louis area insurance agencies founded in 1992. The licensed producers have a combined 60+ years of experience and are dedicated to providing every client with products tailored to fit their individual needs.

Get a free auto insurance quote by clicking here or calling our office (314) 645-2100.

 

Where to Learn more about Business insurance in St Louis MO

Not All Business Insurance Is The Same

Where to Learn more about Business insurance in St Louis City MO | MJM Insurance® St Louis City | (314) 645-2100MJM Insurance® of St Louis City knows how vital it is to help business owners understand insurance selections and how to best protect business assets in case of a loss.  Our agents are here to help business owners know where to learn more about Business Insurance in St Louis MO.

There are many business issues that equally apply to sole proprietors and to large organizations.  Experienced business owners typically have a business license, pay their business taxes, and possibly have employees and payroll.  If business is good, then maybe an accountant to manage the bookkeeping.   All of these items have one thing in common…. INSURANCE.

Do you feel comfortable knowing your business is fully protected?  Have you gone through all risk scenarios and protected your business from potential financial loss? Owning the right business insurance makes good business sense.

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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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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!

Home Insurance St Louis Missouri

Getting The Right Coverage

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

So you bought a home, signed your life away, provided your mortgage company the insurance policy number – and now you’re all set.  Don’t think so fast!  Have you reviewed your homeowners insurance policy with your agent?  Do you know if you have adequate coverage?  Do you know if EVERYTHING is covered? MJM Insurance® of St Louis City will review your policy to ensure you have the proper Home Insurance St Louis Missouri can offer.

What if something happens to your home?  A fire?  A flood?  Vandalism?  Will your insurance policy actually pay for the damage?  Will it pay for ALL of it?

What if someone visiting you slips and falls and suffers a serious injury? And the injured party sues you?  An accident like that could be devastating to you and your financial assets.

For most people, insurance is a mystery. They know they need to have insurance for their homes (mortgage lenders require it), but they don’t understand the protection provided by the policy.  And, more importantly, they don’t understand what their policy does NOT cover and why.

Home Insurance St Louis Missouri | Coverages In Your Home Policy

Your home policy is designed to protect you by covering the dwelling, other structures, your personal property, loss of use, liability and medical payments.  The details for each of these coverages are outlined in your policy’s “Declarations” page. MJM Insurance® of St Louis City can review your Declarations Page and explain, in detail, what each coverage means for you and how you are protecting one of our most valuable assets.

1. Dwelling

The word Dwelling in your home policy essentially refers to your home itself.  It includes attached structures, as well … like an attached garage.  The Dwelling Limit (or Amount of Insurance) stated on your Declarations page indicates the most the insurance company will pay to replace your home if it’s destroyed by a covered claim.  Is it enough?

Contact our office and one of our agents can run a replacement cost estimate that calculates the cost to rebuild your particular home.  Be sure to adjust the amount of insurance for your dwelling appropriately.  If you don’t you may not have enough insurance to replace your home if disaster strikes.

2. Other Structures

The most common Other Structures are sheds, stand-alone garages (known as “detached” garages in insurance terms), barns, pool houses, etc.  These structures are not directly attached to your home, the “dwelling”.

Other Structures have their own protection limit – the most your company will pay to rebuild them.  This limit will be significantly less than the dwelling limit … usually 10% – 20% of the dwelling

3. Personal Property

Your personal property includes furniture, clothing, jewelry, electronics, appliances, artwork, etc. Your personal property limit is usually 70% – 75% of your dwelling limit.  However, you can adjust this upward if you need more protection,  Discuss your options with us. We’re here to help!

Regardless of the protection limit for your personal property, there’s a very important question you must get answered.  How is your property protected … on an “actual cash value” basis or a “replacement cost” basis?

4. Loss of Use

If your home is badly damaged you won’t be able to live in it while it’s being fixed or replaced.  That means you may have to pay rent somewhere while you’re also paying your mortgage.  The Loss of Use coverage on your home policy pays those additional expenses for you.

Your Declarations page may state a dollar limit for this coverage, or it may state a time limit.  If there is a dollar limit, this is the most the insurance company will pay for these expenses.  If there’s a time limit, your insurance will pay all covered expenses regardless of the amount but only for the specified period.

5. Liability

Your liability coverage pays if someone sues you for their injuries due to a covered claim.  When we think of such accidents we most commonly think of injuries that occur on your property – someone slips and falls, a dog bite, etc.  However, the liability protection under your home policy extends beyond your property to your everyday life.  For example, your home policy could also protect you if you knock someone over with a shopping cart at the grocery store

Liability insurance is all about protecting your assets from someone who sues you.  So, you should have at least as much liability insurance as your financial worth.

6. Medical

This pays medical bills for a guest who is injured on your property or in another covered claim.  This protection is inexpensive, and could save you major hassles by preventing a lawsuit.

 

To make sure you’re getting the best St Louis Missouri Home Insurance, contact one of our professional agents for a free consultation.