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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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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 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.

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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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.

 

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!