Missouri Auto Insurance Coverages on YouTube!

Alternatives Insurance of Chesterfield has the experience you can trust – our agents will take the time to help you understand coverage options and limits of liability.

Missouri auto insurance coverages include liability, property damage, bodily injury – including uninsured motorists, comprehensive, collision, roadside assistance and more.

We insure single operators and tailor insurance coverages for large fleets.

Call us today to schedule a free assessment with a licensed agent.  We will work for you!

(636) 449-1213



Missouri Auto Insurance Coverages by AIC

Finding the Best Missouri Auto Insurance Coverages

Missouri Auto Insurance | Alternatives Insurance of Chesterfield | (636) 449-1213Missouri Auto Insurance Coverages is insurance for damage to a vehicle(s) and bodily injury resulting from an auto accident. Insurance of this type can cover a variety of instances depending on the kind of auto insurance that has been purchased.  This is why the agents of Alternatives Insurance of Chesterfield are here to help. We understand auto insurance is confusing, and so many of us just ignore it. However, it is not something you can avoid.  Its better to be safe than sorry!  Read more below about the types of Missouri Auto Insurance Coverages and contact us to schedule a free risk analysis of your  current auto insurance policy.  We take your list of needs to the online shopping world of insurance and find you the best lowest rate available in our library of 20+ carriers.


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.

Comprehensive Coverage offers protection when an animal my be involved. | Alternatives Insurance of Chesterfield | (636) 449-1213

Comprehensive 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

Collision Coverage pays for damages to your vehicle after colliding with another car or object.  Additional options include Medical payments, Rental car reimbursement, Emergency roadside assistance and more.

Missouri 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 | Alternatives Insurance of Chesterfield | (636) 449-1213Medical 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

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.

MISSOURI AUTO INSURANCE COVERAGES | Alternatives Insurance of Chesterfield | (636) 449-1213The Premium – It’s Not Optional!

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 – Key Points

You 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.

MISSOURI AUTO INSURANCE COVERAGES | Alternatives Insurance of Chesterfield | (636) 449-1213

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!

Alternatives Insurance of Chesterfield 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!

Alternatives Insurance of Chesterfield 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 Alternatives 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 specifically selected to fit their individual needs.

Get a free auto insurance quote by clicking here or calling our office (636) 449-1213.

Missouri Auto Insurance Uninsured Motorist Coverage

Uninsured Motorist Coverage is Required by Missouri Law

Missouri Auto Insurance Uninsured Motorist Coverage | Alternatives Insurance of Chesterfield | (636) 449-1213Uninsured Motorist Coverage protects responsible drivers, against those who may not have insurance, or only have the state minimum required insurance.  If an insured driver is involved in a no-fault accident with an individual who is uninsured , the insured driver is stuck with the bills incurred from the accident that was not their fault!  It is especially important for drivers to protect themselves against those that may not have auto insurance.

Alternatives Insurance of Chesterfield Agents encourage our clients to carry more than the minimum Uninsured Motorist Coverage that is required by law. Often times, we see consumers left with financial despair because they were not adequately insured.

Missouri Auto Insurance Uninsured Motorist Coverage is required by Law.  An insurance company cannot issue a contract of automobile liability coverage in Missouri without including Uninsured Motorist Coverage on the policy.

Missouri Auto Insurance TIP:  It is also a good idea to have the same limits for Uninsured Motorist Coverage as you have for bodily injury liability. THIS COVERAGE IS FOR YOU. It pays for your injuries and damage to your car, if another person is at fault and has no or not enough libility insurance coverage.

Missouri Auto Insurance Uninsured Motorist Coverage  is designed to help drivers pay for the bills associated with a crash that was caused by another person who either doesn’t have auto insurance or has a policy with liability limits that do not cover the loss.  Have you reviewed your policy? Does it have enough coverage to protect you if the worst should happen?

Missouri Auto Insurance Uninsured Motorist Coverage | Alternatives Insurance of Chesterfield | (636) 449-1213OUR AGENTS OFFER A FREE MISSOURI AUTO INSURANCE RISK ASSESSMENT.  As part of our services, Alternatives Insurance of Chesterfield provides a free risk assessment to ensure the right protection is in place for you and your family.  We look at your overall worth, what assets you have that could be at risk, and how your family could be affected by a financial loss.

The coverage limits for Uninsured Motorist Coverage protection can range from $20,000 up to $1 million.  Our agents consider a number of factors, including how much your car is worth, what kind of medical insurance you carry, whether you are a homeowner, etc.

Missouri Auto Insurance Uninsured Motorist Coverage offers coverage for bodily injury and can offer coverage for damages to your car. In addition to injuries to the driver, the bodily injury portion of Uninsured Motorist Coverage may also cover injuries to your passengers or family members who are driving the vehicle at the time of an accident.  All the coverages in your auto policy apply when you are driving, but they also apply when other people are driving your vehicle.

Missouri Auto Insurance Uninsured Motorist Coverage will also pay for damages to a vehicle that was parked and not occupied when the at fault party is unknown, commonly known as a “hit and run”.   Your auto uninsured motorist coverage will pay for these “hit and run” damages less your deductible.

Missouri Auto Insurance Uninsured Motorist Coverage | Alternatives Insurance of Chesterfield | (636) 449-1213Missouri Auto Insurance Uninsured Motorist Coverage is especially important for Motorcycle drivers. According to the National Highway Traffic Safety Administration (NHTSA), a motorcycle rider is 35 times more likely to suffer serious injury or death from an accident than occupants in a passenger car. The NHTSA also states that the motorcyclist is rarely at fault when involved in an accident. If you are in a motorcycle accident and the other party has no or insufficient liability insurance, you can face significant costs for an accident you didn’t cause.

For those uninsured , the plea of guilty WILL RESULT in the entry of a conviction on a driving offense. Convictions for offenses will be sent to the Department of Public Safety for entry on your driving record, or to the Department of Natural Resources, and MAY RESULT in the loss of your license by those agencies.

In 2014, the Insurance Research Council News published an article in The Insurance Journal discussing the cost of uninsured motorist claims has risen dramatically in the past decade. Missouri law prohibits an uninsured driver, who is the owner of the vehicle or a driver operating a vehicle with or without permission who is uninsured, from collecting for non-economic damages in a civil action against an insured motorist alleged to be at fault for an accident.  However, the limitation does not apply to passengers in an uninsured driver’s vehicle and does not limit the recovery of benefits provided or economic losses. Furthermore, recovery of non-economic damages in instances where an insured driver who is at fault because of operating a vehicle while under the influence of drugs or alcohol will still be allowed under the new law.



Missouri Auto Insurance Uninsured Motorist Coverage | Alternatives Insurance of Chesterfield | (636) 449-1213

Be it enacted by the General Assembly of the state of Missouri, the law reads as follows:

  1. An uninsured motorist shall waive the ability to have a cause of action or otherwise collect for non-economic loss against a person who is in compliance with the financial responsibility laws of this chapter due to a motor vehicle accident in which the insured driver is alleged to be at fault. For purposes of this section, the term “uninsured motorist” shall include:

(i) An uninsured driver who is the owner of the vehicle;

(ii) An uninsured permissive driver of the vehicle; and

(iii) Any uninsured no permissive driver.

Such waiver shall not apply if it can be proven that the accident was caused, in whole or in part, by a tort-feasor who operated a motor vehicle under the influence of drugs or alcohol, or who is convicted of involuntary manslaughter under subdivision (2) of subsection 1 of section 565.024, or assault in the second degree under subdivision (4) of subsection 1 of section 565.060.

  1. The provisions of this section shall not apply to an uninsured motorist whose immediately previous insurance policy meeting the requirements of section 303.190 was terminated or non-renewed for failure to pay the premium, unless notice of termination or nonrenewal for failure to pay such premium was provided by such insurer at least six months prior to the time of the accident.
  1. In an action against a person who is in compliance with the financial responsibility laws prescribed by this chapter by a person deemed to have waived recovery under subsection 1 of this section:

(i) Any award in favor of such person shall be reduced by an amount equal to the portion of the award representing compensation for non-economic losses;

(ii) The trier of fact shall not be informed, directly or indirectly, of such waiver or of its effect on the total amount of such person’s recovery.

  1. Nothing in this section shall be construed to preclude recovery against an alleged tort-feasor of benefits provided or economic loss coverage.
  2. Passengers in the uninsured motor vehicle are not subject to such recovery limitation.

If you have had an accident with an uninsured motorist call your insurance agent and contact the Missouri Department of Revenue Driver’s License Bureau at (573) 751-7195. The Missouri Department of Revenue enforces the financial responsibility laws in Missouri. If you were injured, you will want to report the loss under your Uninsured Motorist Coverage with your agent.

Our agents are here to help you through the claims process!  Call for your free assessment (636) 449-1213.

Helpful Resources

National Highway Traffic Safety Administration

Motorcycle Safety

Insurance Information Institute

Missouri Department of Revenue

Motor Vehicle Accident Report Form

Missouri Department of Revenue Driver’s License Bureau

Missouri Auto Insurance Education

What Insurance Means, Premiums and Deductibles

Alternatives Insurance of Chesterfield | Missouri Auto Insurance Education | (636) 449-1213Alternatives Insurance of Chesterfield is not only an insurance agency, our licensed agents care about our clients’ well-being. 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. We encourage you to schedule a free review your individual policy for specific details on coverages, terms, limits, conditions, and exclusions.

Foundation of Missouri Auto Insurance

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.

Laws and Regulations

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 shall be carried in the insured motor vehicle at all times. *

Alternatives Insurance of Chesterfield | Missouri Auto Insurance Education | (636) 449-1213

Photo Source: https://farm1.staticflickr.com

Missouri law requires all drivers to carry some types of coverage – 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.

The Missouri Auto Insurance Policy

There are 6 primary components to your auto insurance policy and our licensed agents can help you determine the best coverages you need for your situation with a price that meets your budget.  For example: if you have 2 teenage drivers on your policy and own a $500,000 home – we 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.

  • 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 driving record, how much you drive, your age, the type of car you drive, etc.  Insurance companies obtain the ratio of exposure by analyzing industry activities and driver statistics.  For example: if you live in an area where the average age of drivers is 45 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.  Alternatives Insurance of Chesterfield 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!  (636) 449-1213

Missouri Auto Insurance Resources

Missouri Auto Insurance Guide

Consumer’s Guide to Missouri Auto Insurance


Trucking Insurance Coverages in Chesterfield Missouri

Primary Liability is Required for all Owner-Operator Vehicles

Trucking Insurance Coverages in Chesterfield Missouri | Alternatives Insurance of Chesterfield |   (636) 449-1213Missouri and the Federal Motor Carrier Safety Administration have specific insurance requirements for tractor trailers. Some coverages are required by law, but if you transport cargo for a living, you need Alternatives Insurance of Chesterfield agents to review your Trucking Insurance Coverages in Chesterfield Missouri.

Alternatives Insurance of Chesterfield is a leader in providing all-inclusive programs for Trucking Insurance Coverages in Chesterfield Missouri.  Our licensed agents have more than 60 years combined experience with automobile liability, general liability, physical damage, motor truck cargo, and workers compensation insurance.  As a business owner who relies on transportation for a living, we understand the importance of having the right insurance in place.

Trucking Insurance Coverages in Chesterfield Missouri Include

General Liability Insurance – covers damages to another person resulting from an accident you cause.

  • Bodily Injury and Property Damage Liability
  • Personal Injury and Advertising Injury Liability
  • Medical Payments
  • Products / Completed Operations
  • Damage to Premises Rented to You – Note: Coverage available for 7 days or less

Primary Liability Insurance – covers the damage you might do to other people or property.  Primary Liability Insurance does not cover you or your truck, theft or bodily injury.  Click here to learn about the minimum amount of primary liability insurance that is set by the Federal Motor Carrier Safety Administration.

Trucking Insurance Coverages in Chesterfield Missouri | Alternatives Insurance of Chesterfield |   (636) 449-1213Motor Truck Cargo Coverage – provides insurance on the goods hauled by a For-hire trucker. It covers your liability for cargo that is lost or damaged due to causes such as fire, collision, or striking of a load. If you are in an accident, commercial cargo insurance will pay for destruction or damage to the load that is being carried.

Removal Expense Coverage  – protects you if your load is accidentally dumped on a roadway or waterway. The coverage pays for the cost to remove debris or extract pollutants caused by the debris.

Sue and Labor Coverage  – pays for costs related to preventing further loss to damaged cargo, legal expenses in the defense or settlement of claims.

Earned Freight Coverage – pays for the freight charges the customer loses because of not delivering a load.

Our agents will sit down with you to discuss the different Trucking Insurance Coverages in Chesterfield Missouri and help you determine what best meets your situation.  Additional coverages include:

  • Workers Compensation
  • Trucking Umbrella
  • Physical Damage
  • Trailer Interchange
  • Medical Payments
  • Uninsured Motorist

Because trucking is a unique industry, insurance carriers offer different types of risks.  Our agents have access to multiple carriers that offer exclusive coverages and options to choose from. We can shop your insurance for you and find a company that is competitive with your specific insurance situation.

As your partner in business, Alternatives Insurance of Chesterfield is dedicated to providing you with the right transportation insurance solutions. Whether you are an owner-operator or manage a full fleet,  give us a call for a free consultation on your trucking business. (636) 449-1213

Additional Resources:

Missouri Department of Transportation

Missouri Department of Motor Vehicles

Missouri Trucking Association

Missouri Department of Insurance

Federal Motor Carrier Safety Administration

Missouri Trucking Guide

Where to Learn More About Auto Insurance in Chesterfield MO

Don’t Get Lost In Your Search for Auto Insurance

Where to Learn More About Auto Insurance in Chesterfield MO | Alternatives Insurance® of Chesterfield | (636) 449-1213

Finding the right auto insurance in Missouri can be a daunting task.  We get caught up trying to find where to learn more about auto insurance in Chesterfield MO.  As with most states, in order to register and drive your car in Missouri, the state requires that you have a minimum level of auto insurance coverage.

There are so many resources where to learn more about auto insurance in Chesterfield MO – we understand it can be overwhelming.  When you search “ where to learn more about auto insurance in Chesterfield MO” on the internet, there are about 1,400,000 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 Chesterfield MO, 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 Chesterfield MO, 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.  Check out our reviews!

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

Alternatives Insurance® of Chesterfield 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 Chesterfield 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, Alternatives Insurance® of Chesterfield is where to learn more about auto insurance in Chesterfield MO.  Contact us today for your free assessment.


What Are Auto Insurance Requirements in Chesterfield MO?

Our Agents Help You Understand Missouri Auto Insurance Requirements

What are auto insurance requirements in Chesterfield Missouri     | Alternatives Insurance® of Chesterfield | (636) 449-1213Accidents can be extremely costly, and for those who only purchase the state minimum car insurance limits may be putting themselves in financial jeopardy. What are auto insurance requirements in Chesterfield MO?  If you are not sure, Alternatives Insurance® of Chesterfield agents are here to help.

Missouri law requires that every driver maintains at least the state minimum auto liability insurance coverage to have a reliable method of paying for the costs of damage or injury to another driver after a car accident.

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How to Buy Auto Insurance in Chesterfield Missouri

Quick. Simple. Affordable.

How to buy auto insurance in Chesterfield Missouri   | Alternatives Insurance® of Chesterfield | (636) 449-1213Alternatives Insurance of Chesterfield has simplified how to buy auto insurance in Chesterfield Missouri.  We offer auto insurance quotes from multiple carriers in a matter of a few minutes. With hundreds of auto insurance companies and the many different policies, the best car insurance purchase decision is often made with the help of a local, professional insurance agent.  Our insurance agents at Alternatives Insurance® of Chesterfield are ready to help!  As an Independent Insurance Agency, Alternatives Insurance of Chesterfield represents many of Missouri’s premier personal and commercial insurance companies and our automated system makes shopping for insurance easier for the consumer.


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Chesterfield MO Insurance Agent

Your Trusted Advisor

Chesterfield MO Insurance Agent | Alternatives Insurance® of Chesterfield | (636) 449-1213If you have been searching for a ” Chesterfield MO Insurance agent ”  look no further!  Alternatives Insurance® of Chesterfield Missouri is a full service Independent Insurance Agency representing many of Missouri’s premier personal and commercial lines insurance carriers. We pride ourselves knowing we employ some of the best insurance agents in Chesterfield Missouri. Our licensed professionals act as intermediaries between insurance companies and you, the insurance buyer. We advise our clients on the insurance policies that best suit their needs. Many of our agents specialize in a variety of insurance products, such as business, life and auto, and we are well-versed in several forms of insurance coverage.

As your insurance advisor, our primary concern is you, the client, and your well being.  We don’t just sell products.  We actively shop a variety of companies to find the best coverage, at the rate that meets your budget.  We take the time to explain the various types of coverage and help inform you of your options along the way.

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Chesterfield Missouri Insurance Agency

Searching for a “Chesterfield Missouri Insurance Agency”?

Alternatives Insurance® of Chesterfield Is The Right Choice

Chesterfield MO Insurance Agency | Alternatives Insurance® of Chesterfield | (636) 449-1213Often times our agents meet potential customers who have had an insurance agent for years and whom they have never met, nonetheless have visited their office.  It is shocking to me that people put their life in the hands of a stranger and have no personal connection or relationship with their Chesterfield Missouri Insurance Agent. The Chesterfield Missouri Insurance Agency of Alternatives Insurance® prides ourselves on the fact that we take great interest in our clients’ and their family’s well-being. It is important that our clients trust the staff and licensed agents of our agency.

Alternatives Insurance® Chesterfield Missouri Insurance Agency staff meets one-on-one with our clients to provide a comprehensive account review and make sure they have the best protection.  We explain the coverage options, benefits, and potential risks based off their needs versus current their current insurance coverages. We take the time to walk our client’s through every step of the decision process to make their experience as educational and informative as possible.

Alternatives Insurance® of Chesterfield opened in 2007 as a full service Independent Chesterfield Missouri Insurance Agency and a proud member of Alternatives Insurance® Group. Alternatives Insurance® Group is an organization of insurance agencies located in the local St. Louis area; founded in 1992. The agents of Alternatives Insurance® of Chesterfield are licensed producers with Missourire than 60 years combined experience. The agency is dedicated to providing every client with protection products that are tailored to fit their individual needs. Whether it’s personal or business insurance, we provide the tools, resources, and superior customer service.

Year after year, our team continues to review, improve, and renew our products 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 Alternatives Insurance® of Chesterfield.

You can find dozens, if not hundreds, of local Chesterfield Missouri Insurance Agency in your telephone book or on the internet. Thanks to the internet you can also go directly to many insurance companies and get a quote. If you like the quote you can often buy a policy by filling out a few Missourire forms, right on the spot. This is where the customer relationship has a disconnect.  While we also offer quick quote button on the right of this page, we take the time to contact you personally.  We schedule an appointment to meet in person, get to know you and listen.

So why not do business with a local Chesterfield Missouri Insurance Agency, who can very likely get you a better deal than you can get for yourself.  Alternatives Insurance® of Chesterfield serves all of Saint Louis County Missouri, including Chesterfield, Ballwin, Manchester, Creve Coeur, Glencoe, Wildwood, Town and Country, Frontenac, Ellisville and Des Peres. We proudly represent many of the industry’s leading national and regional Missouri insurance companies offering competitive rates through Travelers, Safeco, EMC, Kemper Preferred, Progressive, The Hartford, West Bend, Chubb and dozens Missourire.

The licensed professionals at our agency have the ability to quickly check prices and coverages with dozens of different insurance companies. We can handle all of your insurance in one place and shop hundreds of carriers for you to get you the best protection, at the best price.  We conveniently offer an entire solution for all your personal insurance and business needs.  Our agents are licensed to sell and are knowledgeable in many areas of the insurance industry, including the following products:


  • Auto Insurance
  • Homeowners Insurance
  • Life Insurance
  • Missouritorcycle Insurance
  • Boat & Watercraft
  • Flood Insurance

  • General Liability
  • Commercial Auto
  • Workers Compensation
  • Commercial Building Property
  • Business Personal Property
  • Business Umbrella Policies


Alternatives Insurance® of Chesterfield is a supporting member of the Missouri Association of Insurance Agents and committed to the TrustedChoice® Pledge.

  Chesterfield MO Insurance Agency | Alternatives Insurance® of Chesterfield | (636) 449-1213

As a Trusted Choice® agency, we are dedicated to you and are committed to treating you as a person, not a policy.

The agents of Alternatives Insurance® of Chesterfield are fully licensed and comply with the Missouri Bureau of Insurance requirements.  Once our Chesterfield Missouri Insurance Agent receives a license we ensure they comply with continuing 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.

Alternatives Insurance® of Chesterfield agents are advisors you can trust.  

Alternatives Insurance

Alternatives Insurance

Here are the top three reasons to choose a Chesterfield Missouri Insurance Agent with Alternatives Insurance® of Chesterfield:

  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 Travelers, Safeco, EMC, Kemper Preferred, Progressive, The Hartford, West Bend and Chubb –  to provide you with the best mix of savings and pricing.

Alternatives Insurance® of Chesterfield is committed to outstanding customer service.  We start by offering the best insurance products at a reasonable price. But it’s the Alternatives Insurance® of  Chesterfield 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 Alternatives Insurance® of Chesterfield 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.  Alternatives Insurance® of Chesterfield 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.

Any questions?  Contact one of our professionals and we’ll be happy to spend the time with you in person!  Our service to you is number one priority. We thank you in advance for your trust, and rest assured we will earn it!