Chesterfield MO Auto Insurance

Chesterfield MO Auto Insurance In A Nutshell

Chesterfield MO Auto Insurance | Alternatives Insurance® of Chesterfield | (636) 449-1213Auto 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 Chesterfield 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. Alternatives Insurance® of Chesterfield 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 Chesterfield MO Auto Insurance, so you can make the right decision that meets your needs.

 

LIABILITY COVERAGE

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

Missouri also requires drivers to hold uninsured motorist coverage for bodily injury and property damage.  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.  So if your vehicle is damaged and you are injured in an auto accident that is not your fault, the at fault party is responsible for your damages.  If the at fault party has no insurance, then your Uninsured Motorist Coverage will pay for your damages.  In many cases where the at fault party has minimum auto insurance limits, it is not enough to cover all damages, so your Underinsured auto insurance coverage will pay the difference.

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 this page on our website for more auto insurance information.

Chesterfield MO Auto Insurance Options and Discounts

 

Chesterfield MO Auto Insurance | Alternatives Insurance® of Chesterfield | (636) 449-1213Insurance rates vary by many factors, and we highly recommend you to discuss the options with your Alternatives Insurance® of Chesterfield 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 buy.

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 Alternatives Insurance® of Chesterfield anytime!  We will shop top rated auto insurance companies and find the coverages you need for the best value!

Business Insurance Agents Chesterfield Missouri

The Agents of Alternatives Insurance® of Chesterfield Are The Right Choice

 

Business Insurance Agents Chesterfield Missouri | Alternatives Insurance® of Chesterfield | (636) 449-1213Business Insurance Agents Chesterfield Missouri are a dime a dozen. But are you getting the best service, an honest representative and someone who looks out for your best interest? Alternatives Insurance® of Chesterfield agents are dedicated to our clients, family and friends.  We are committed to work with you to identify the insurance and financial services that are right for your business. Our business insurance agents have access to many companies that we use to shop for your insurance.  As independent insurance agents, we have the upper hand because we have a variety of options to research and discover the best insurance coverages that meet your business needs.

A business insurance professional at Alternatives Insurance® of Chesterfield is your business partner.  When you’re shopping for an agent, make certain they have your best interest at heart and understand the risks of your business, the liabilities, and the best insurance programs that will protect your investment.

Our agents are independent insurance agents who can sell a variety of insurance and financial products including property and casualty insurance that protects individuals and businesses from financial loss resulting from automobile accidents, fire, theft, storms, and other events that can damage property and create liabilities.  For businesses, we also provide Workers Compensation Insurance.

Agents with Alternatives Insurance® of Chesterfield are fully independent insurance agents.  This means all of our agents represent a number of insurance companies, or “carriers”, that we can shop for you to select the products that most appropriately cover the business and the business assets. Our agents are very well trained and knowledgeable of the complexities of the insurance market and insurance law.  Our business insurance agents have the expertise that allows them to advise their clients about appropriate amounts of insurance and insurance coverages for their particular needs. The Missouri Department of Insurance provides detailed information about insurance law.

The best independent agents are partners who understand your business and give you the advice you need to help protect it from risk. Our commitment to our clients is top notch customer service.  We will return your phone calls and e-mails promptly and respond to your requests in a timely manner.

Our commitment to you isBusiness Insurance Agents Chesterfield Missouri |  Alternatives Insurance® of Chesterfield  (636) 449-1213

  1. Provide 24/7 services for our customers, offering any or all of the following: emergency phone numbers, Internet account access, e-mail and call center services.
  2. We explain the coverages and options available to you through our agency, at your request.
  3. We help you solve problems related to your coverage or account.
  4. We use our experience and multiple company relationships to customize your coverage as needed.
  5. We hold our staff accountable to continuing education so they may be more knowledgeable in serving you.

Every state requires insurance agents to be licensed because insurance is a heavily regulated field and all of our agents are licensed in the state of Missouri. We are required to obtain separate licenses to sell personal lines insurance, business insurance, commercial insurance, and other specialty areas.  All of our agents pass state examinations and take continuing education insurance courses.

 

Auto Insurance Coverages Chesterfield MO

Alternatives Insurance® of Chesterfield Will Shop Your Insurance For You

Auto Insurance Coverages Chesterfield MO | Alternatives Insurance® of Chesterfield | (636) 449-1213Auto Insurance doesn’t have to be confusing.  Searching for ” Auto Insurance Coverages Chesterfield MO ” can be a daunting task for many people, that is why agents at Alternatives Insurance® of Chesterfield are ready to help!  There are hundreds of auto insurance companies that offer a variety of discounts, benefits and options.  Alternatives Insurance® of Chesterfield shops the insurance companies to get you the right coverage for your needs.

Traffic accidents are the most common reason auto insurance rates can vary.  Although you may have a perfect driving record, insurance rates are calculated for specific geographical locations using ISO. ISO measures statistical, actuarial, underwriting, and claims information in segregated geographical locations.  So if you are the perfect driver, your neighbor may not be the best – and his/her record reflects the price fluctuation based off ISO statistical research.

You don’t have to purchase auto insurance alone, Alternatives Insurance® of Chesterfield agents can help you find the best rates with the best coverage.  Our agents perform a thorough search for you so, what are you waiting for?

As your life changes, so do your insurance coverages. Many people do not realize getting married or moving to another zip code may affect your insurance price. As your personal agent, we will ensure you don’t have any surprises.  You should discuss any life changes with your agent when any of the following occur:

  • 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.  It is imperative to discuss these changes with your agent – you owe it to yourself to have the best coverage for the best price. Auto Insurance Coverages have many components to each policy, and rates vary from company to company.  ISO continues to study statistics and adjusts insurance costs accordingly.  Don’t think because your current carrier had the best price 2 years ago, that it will stay the same when your policy renews.

In order to have the best coverage, you will want to talk with your auto insurance agent 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, or you may be paying for coverage you do not need.

There are many types of coverages that should be in your insurance policy.  Be sure to read the following information carefully and contact your Alternatives Insurance® of Chesterfield agent to review your policy with you.  We want you to understand the liability and identify and risks that you might have because your auto insurance coverage is not enough to protect your assets.

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, especially when you purchase a new vehicle.  Don’t let the car dealer tell you that you can drive off the lot because you’re covered.  Think twice and call your agent!

Liability insurance includes the following types of coverage:

  • Bodily injury coverage – pays for injuries suffered by others in an accident you caused.
  • Property damage coverage – pays for damage you cause to another person’s property (typically their vehicle) in an accident.

Minimum state coverage includes:

  • $25,000 for bodily injury, per person.
  • $50,000 for total bodily injury (when multiple people are injured).
  • $10,000 for total property damage.

Uninsured Motorist Coverage

While you may think you’re fully protected with your current policy – consider this, what if someone ran into you and they do not have insurance?  If you do not have Uninsured Motorists Coverage, the liability is on you – not the other driver.

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 (Pays for injuries and property damage to others in an accident you cause.) and medical coverages (Helps pay for medical care after you or your passengers sustain injuries in an accident).

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 Insurance Coverage

Auto Insurance Coverages Chesterfield MO | Alternatives Insurance® of Chesterfield | (636) 449-1213Medical Insurance coverage is one of three main groups of car insurance that also include liability insurance and vehicle coverages.  Medical car insurance coverage helps pay for costs that may arise after you or your passengers are hurt in a car accident.  Protect yourself and your family.  Medical Insurance Coverages also include injuries suffered by your passengers, injuries you sustain as a pedestrian or bicyclist if you are hit by a car, and necessary dental care resulting from a car accident.  The two main types of medical coverage are Medical payments coverage and Personal injury protection.  Medical Payments Coverage will help pay for your medical bills after you are hurt in an automobile accident. Medical payments will help pay for funeral costs. Did you know nearly 25% of ALL car accidents end in death?

Details may vary depending on your car insurance company. Call and discuss your options with an Alternatives Insurance® of Chesterfield agent to learn more about medical payments coverage.

 

Comprehensive and Collision Insurance

Comprehensive and collision coverages are optional coverages; however, we highly recommend you carrier these coverages and, ore often they are typically required as part of a car loan or lease agreement. Comprehensive and collision insurance coverage for your car is considered optional and comes mainly in the forms of collision and comprehensive coverages. Based on the coverage, you’ll have protection for damages incurred in a crash or other unexpected events.

Comprehensive Insurance Coverages is protection in the event of an occurrence, that is not a collision, such as hitting an animal and damaging your vehicle.  Comprehensive Insurance will help pay for repairs to your car after it has been damaged. Coverage terms will vary by the insurance company, but you will generally be covered for damage from fire, theft, vandalism, falling objects and natural disasters.

Collision Insurance Coverage will help pay for repairs to your car after it has been damaged in a traffic accident. If you cause an accident, your liability insurance will cover the costs. There is a caveat; if liability insurance is the only protection you have, you could be in a position where the insurance will not pay for damages.

Collision coverage will help pay for repairs to your car (as well as replacement costs, in the event your car is totaled) after crashing into another car, crashing into an object or if your car rolls over.

While most states only require you to be covered for injuries or damage you cause to another person, not many states have requirements in place for damages you incur.

 

Other Coverages

There are many auto insurance packages to choose from, some of them will qualify you for additional auto insurance discounts. These coverages include Emergency Roadside Assistance, GAP Insurance, Rental Reimbursement Coverage, Glass Breakage Coverage and Modified Car Insurance Coverages.

You can learn more about these coverage types, and additional coverages by visiting our webpage, Auto Insurance, and reading the Bodily Injury and Property Damage Coverage page in your policy.  More information about auto insurance coverages and requirements by law can be found online at Missouri Department of Revenue.

Auto Insurance Discounts Chesterfield Missouri

Full Protection At The Best Price

If you live in or near Chesterfield Missouri, It is important to become educated about this article ” Auto Insurance Discounts Chesterfield Missouri .”  Alternatives Insurance® of Chesterfield agents have more than 10 years experience in insurance and maintain ongoing credentials to keep you informed of auto insurance discounts and coverages.  We want to ensure you have full protection for you and your family. Making bad decisions can cause you to waste a lot of time and money. Below you will find some very useful tips about auto insurance discounts available in Chesterfield Missouri that will save money and may reduce your auto liability risks.

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

Auto Insurance Discounts Chesterfield Missouri:  Watch Out for Insurance Marketing Schemes

As an automobile insurance customer, you should be on the lookout for insurance marketing schemes. With new insurance companies popping up every day, some of them make bold statements and promise to offer lower monthly premiums, but the coverage is most likely the bare minimum, with a high (sometimes not affordable) deductible, and one accident could drastically increase your costs after you file a claim.

Auto Insurance Discounts Chesterfield Missouri: Non Factory Auto Equipment

If you decided to buy non factory equipment for your vehicle (custom paint or rims, a top of the line stereo system, etc…), check with your agent to make sure that these items are covered.  Many auto insurance policies do not cover aftermarket or non factory equipment.  These extras can be a very expensive loss if not covered.  Some auto insurance companies offer to cover such items, but they must be added to the policy—so ask your agent to make sure.

Auto Insurance Discounts Chesterfield Missouri: Low Annual Mileage Savings

Check and see if your car insurance provider offers any low-mileage breaks. If you do not drive your car often, this could end up saving you a fair amount of money. There is no harm in asking your provider whether they offer something like this and whether or not you qualify.

Auto Insurance Discounts Chesterfield Missouri: Credit Rating Savings

An important consideration in securing affordable auto insurance is the condition of your credit record. It is quite common for insurers to review the credit reports of applicants in order to determine policy price and availability. Therefore, always make certain your credit report is accurate and as clean as possible before shopping for insurance.  Its not a bad idea to check your credit report every 6-12 months.

Auto Insurance Discounts Chesterfield Missouri: Drivers Safety Course Discounts

Take a driving course to get a discount on auto insurance. Young drivers who have taken a driver’s education course are usually eligible for discounted auto insurance rates. Similarly, older drivers who take a defensive driving course are also eligible for discounts on auto insurance. Check with your insurance company to see if they offer these discounts.

Auto Insurance Discounts Chesterfield Missouri: Teen Driver Tips

If you are trying to save money on your auto insurance, you may consider not to buy new cars for teenagers. A better alternative is to have them drive one of your existing vehicles. If you add them to your current insurance plan as an occasional driver, it may be a lot cheaper. If they need to have their own vehicle, a safe, but low cost one (under $5000) that may only need liability coverages, will also save money.   It’s even possible to get a discount, if your kids get good grades.  Be sure to check with your agent about any these or other ways to best meet the insurance needs of youthful drivers.

Auto Insurance Discounts Chesterfield Missouri: Other Auto Insurance Saving Tips

Although many people realize that the type of car can affect the price of insurance, you should also be aware that the rarity of the car will change the price. If you have a car which has very expensive prices of repair, this will be reflected in the price of your insurance as well!

The pr Auto Insurance Discounts Chesterfield Missouri  | Alternatives Insurance® of Chesterfield  (636) 449-1213ice you pay for car insurance will be affected significantly by the infractions that appear when your records from the DMV are accessed. You will lessen your insurance costs when your points go away. Once they have been removed, it might be a good time to get new quotes on auto insurance!

You should not let your insurance coverage lapse. If you are not able to pay for your insurance policy in full, you should call and talk to on of our agents. If you allow the policy to lapse, many companies will charge you more when you reinstate or purchase a new policy.  You are also taking a big risk should you have an accident. And driving without insurance carries a big DMVpenalty in Missouri and your auto insurance rates could stay high for three or more years. That is a big risk that can be avoided by making a simple phone call to your insurance agent.

Know what factors affect your car insurance rates. The three key considerations in determining your car insurance rates are age, sex, and actual driving record. Higher rates are given to less-experienced drivers, and males in general. Any ticket that takes points off of your license will also result in an increase rate.

A great tip to getting affordable auto insurance is to make sure that you have an accurate policy. You should make sure your current policy matches your situation because if it does not, you could be paying more when you do not have to. This includes your vehicle information, distance driven to/from work, yearly estimated mileage, etc….

When you raise the deductible on your auto insurance policy, it may reduce your auto insurance payments, which could save a substantial
amount of money. However, when increasing your deductible, you may want to ensure you have the amount of the deductible saved and ready to use in case you get into an auto accident.

You should evaluate exactly how much coverage you actually need. Not everybody really needs full coverage, so why should you have to pay for more then you need. For example, if you have an older car, it might not be worth it to have your car covered. It could save you quite a bid of money, but know that if your car gets totaled, you will not get compensated for it.

Insurance is very important and complicated business, and learning more about it makes you a savvier consumer.  However it is best to have an insurance agent that you trust who can help make sure you have the coverages you need for the best value.

The agents at Alternatives Insurance® of Chesterfield will ensure you are taking advantage of every possible auto insurance discount. Discounts include multi-policy, excellent credit, newer vehicles with upgraded safety features, good driving records and for teen drivers, good grade discounts. Contact your Alternatives Insurance® of Chesterfield agent and we’ll review your policy, ask a few questions and see if you qualify for additional discounts.

________________________________________________________________________________________________

Why Choose Alternatives Insurance® of Chesterfield?

We’re 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.

We’re committed to professionalism

Our dedication to 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.

We’re committed to solving 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.

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.

Auto Insurance Quote Chesterfield MO

If you have you been searching the internet for  “ Auto Insurance Quote Chesterfield MO ,” your search is over!

Auto Insurance Quote Chesterfield MO | Auto Insurance Quote Chesterfield MO (636) 449-1213Alternatives Insurance® of Chesterfield is a full service Independent Insurance Agency that represents many of Missouri’s premier insurance carriers. Alternatives Insurance® of Chesterfield can provide you with the best Auto Insurance Quote Chesterfield MO.  Serving all surrounding counties including Affton, Shrewsbury, Maplewood, Crestwood, St Louis Hills, Central West End, University City, and Clayton.  Our professional insurance agents at Alternatives Insurance® of Chesterfield can help you get the best value for your auto insurance needs.

We proudly represent many of the industry’s leading national and regional insurance companies offering competitive rates through , Travelers, Safeco, EMC, Kemper Preferred, Progressive, The Hartford, West Bend, Chubb and dozens more. Alternatives Insurance® of Chesterfield agents are available for after hours appointments and Saturdays. We are dedicated to providing the most exceptional and timely customer service.

The best car insurance purchase decision is often made with the help of a local, professional insurance agent. Insurance protection is different for every driver and each type of vehicle. 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 – for example St Louis, New York, Chicago or Los Angeles – will pay also pay more than someone who lives in a small town, despite the two have the same driving records.  For more information visit Alternatives Insurance® of Chesterfield or call to get the most affordable Auto Insurance Quote in Chesterfield MO.

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

Alternatives Insurance® of Chesterfield 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 dedication to client service comes from a culture of professionalism and respect. All of our associates at Alternatives Insurance® of Chesterfield have strong credentials and stay on top of current trends in the insurance industry.  We can find the best Auto Insurance Quote Chesterfield MO can offer.

Alternatives Insurance® of Chesterfield has strong relationships with insurance carriers, allowing us to provide quick turnaround time on all your questions, needs, and insurance claims.  We train our staff members to be proactive and provide the right answers, helping our customers understand their insurance coverages.

Trust is the most important attribute in our agency.  We earn your trust by becoming your partner and ensure we listen to our customers and provide top notch service. 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.

Your search for “ Auto Insurance Quote Chesterfield MO , ” is over.   Welcome to Alternatives Insurance® of Chesterfield.

Auto Insurance Agent Chesterfield MO

If you have been searching online for “ Auto Insurance Agent Chesterfield MO ,”  your search is over!

Auto Insurance Agent Chesterfield MO | Alternatives Insurance of Chesterfield (636) 449-1213With more than 60 years of insurance experience, Alternatives Insurance® of Chesterfield is a full service Insurance Agency in Chesterfield Missouri. The agents of Alternatives Insurance® of Chesterfield are fully licensed and comply with the Missouri Bureau of Insurance requirements.  Once a person receives a license they must comply with continuing education requirements. Auto Insurance Agents are required to maintain education requirements and complete courses approved by the Missouri Insurance Department.  All of our agents throughout the company are compliant and ready to work for you.  We serve all of Chesterfield, High Ridge, Arnold, Imperial, Valley Park, Ballwin, Eureka, Pacific, House Springs, Hillsboro, Sunset Hills, Crestwood, Manchester and St. Clair.

So–if you are looking for an Auto Insurance Agent in Chesterfield MO, you need look no further. Our Agents are dedicated to providing every client with Chesterfield auto insurance coverages that are tailored to fit their individual needs. We provide the tools and resources necessary to help you understand your options.  Alternatives Insurance® of Chesterfield pride ourselves on the fact our clients trust the staff and licensed agents of our firm. Year after year, our team continues to review, improve, and renew our products about the agency; in addition to maintaining relationships with our valued carrier partners.  Our exceptional efforts and commitment ensure our clients’ fundamental insurance needs are met completely, competitively, proudly and locally by the staff at Alternatives Insurance® of Chesterfield .

Alternatives Insurance® of Chesterfield agents are advisors you can trust.  We have access to the best insurance carriers in the industry; purchasing insurance through your local independent agents is the best way to shop for auto insurance. Good insurance advice is crucial to your financial security. A local Auto Insurance Agent in Chesterfield Missouri who partners with some of the best insurance carriers in the country can offer insurance choices and options from a variety of companies—not just one. We are committed to being your advocate during times of need.

Top three benefits of using an Alternatives Insurance® Auto Insurance Agent Chesterfield MO:

  1. Personal service
    Agents are trained to assess your needs, offer unbiased advice and support you should the unexpected happen.
  2. Peace of mind
    Your auto insurance agent is a member of your local community and can handle your full range of insurance needs all in one place.
  3. Value
    Your independent agent can access insurance coverage from multiple carriers – such as  , Travelers, Safeco, EMC, Kemper Preferred, Progressive, The Hartford, West Bend and Chubb –  to provide you with the best mix of savings and pricing.

Adam Majnerich: Auto Insurance Agent Chesterfield MO | Alternatives Insurance of Chesterfield (636) 449-1213Alternatives 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.

Your search for “ Auto Insurance Agent Chesterfield MO ” is over.  Welcome to Alternatives Insurance® of Chesterfield.

Cheap Auto Insurance | Chesterfield Missouri

Be aware of cheap auto insurance in Missouri

Auto insurance is designed to cover your risk of financial liability or the loss of a vehicle the owner may experience if their vehicle is involved in a collision. Are you shopping for cheap auto insurance in Missouri? While you may save money on your car insurance, the agents of Alternatives Insurance® of Chesterfield want you to be aware, cheap may also mean under insured.

Cheap auto insurance in Missouri may not give you the protection you need if an accident happens. It’s a balancing act to get the best coverage at the right price and that is where the agents of Alternatives Insurance® of Chesterfield help you! Avoid the hidden costs and choose the proper auto insurance discounts for your situation – don’t risk a major loss.

Read the most common red flags of cheap auto insurance in Missouri and understand the risks you may be taking.

Best Price Auto Insurance | Chesterfield Missouri

The best price isn’t always the right price.

#1 – You may not be getting the best protection that fits your lifestyle

Okay, you received a cheap auto insurance quote. But do you know what’s covered in the policy and what important protection you may be missing.  Will your insurance protect your home if you were sued in civil court for damages from an automobile accident?

In most states, liability insurance is required by law.  Liability insurance covers the damage you cause to others or to property in an accident. So, ask your local agent from Alternatives Insurance® of Chesterfield what the minimum auto insurance requirements are in Missouri.

For full coverage, collision and comprehensive insurance covers your car in the event of an accident, theft, vandalism, fire, and weather-related disasters.  Collision and comprehensive insurance coverage is not required by law in the United States, but may be required by your auto loan provider.

 

 

A common method to save on car insurance is to opt for a higher deductible. The deductible is what you pay out-of-pocket before your insurance carriers pay for any claim.  A lower deductible could help reduce your premium because you are agreeing to pay a set amount on any future claims.

The higher the deductible, the cheaper auto insurance costs. If you have several accidents or points on your driving record, this high deductibles may not be cost-effective for you.  Insurance is an investment to protect what matters most in the event of an auto accident. Alternatives Insurance® of Chesterfield will assess your situation and determine what you can afford.

#3 – You get what you pay for… Cheap insurance = cheap customer service.

The customer is number one.  The agents of Alternatives Insurance® of Chesterfield want you to know it is reasonable to expect helpful customer service representatives to answer your questions and concerns.  You’ll feel more confident when working with Alternatives Insurance® of Chesterfield.

Many customers with Alternatives Insurance® of Chesterfield were referred to our agency by asking their friends and family members for recommendations.  Protecting our customers is top priority and we take our time to listen to you.

You can also search insurance agencies in your state’s insurance bureau and find out the number of complaints that have been filed.

#4 – Other drivers of your vehicle may not be covered on a cheap policy.You may be responsible for an accident if you're friend is driving your car.

You let someone borrow your car and they get into an accident.  Is he or she covered?

Each state has their own requirements.  Some liability policies cover a licensed driver who drives with your permission, while other policies state specifically that no other person is covered when driving your car.  What if you borrow a friend’s car?

The agents with Alternatives Insurance® of Chesterfield can find out the answers to these questions now. Prepare yourself now on the chance something happens that causes you financial hardship.  Let’s review your policy to make sure you have the best auto insurance coverage.

#5 – You need to watch out for cheap insurance scams

If a car insurance quote sounds ridiculously cheap, it is most likely missing vital information for an accurate price. Red flags to be aware of are super cheap rates, companies who do not have your best interest in mind or agents who are not locally owned.

Insurance agencies, agents and producers (anyone licensed to sell insurance) must be licensed in the state that you live.  You can get information by contacting Missouri Department of Insurance.

Reporting fraudulent activity is encouraged.  If you don’t report cheap insurance scams, someone else may not be as lucky as you.

 
________________________________________________________________________________________-

Why Choose Alternatives Insurance® of Chesterfield?

We’re 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.

We’re committed to professionalism

Our dedication to 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.

We’re committed to solving 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.

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.

Chesterfield Missouri All-Terrain Vehicle Insurance Coverage

Chesterfield Missouri All-Terrain Vehicle Insurance Coverage is Very AffordableChesterfield Missouri All-Terrain Vehicle Insurance Coverage by Alternatives Insurance® of Chesterfield  (636) 449-1213

Many people own ATVs (all-terrain vehicles), whether they’re used for work or play.  Unfortunately, many of ATV owners are not covered by their Missouri Home or Auto Insurance policy.  If their ATV is stolen or badly damaged it may not be covered.  Alternatives Insurance® of Chesterfield can help you get the Chesterfield Missouri all-terrain vehicle insurance coverage you need to protect you and your investment. 
 
Many states require ATV insurance for vehicles operated on state-owned land, and your homeowners policy might not cover you, or other riders on your ATV, if you ride off your own property. That’s why Chesterfield Missouri all-terrain vehicle insurance coverage  is especially important.
 

There are several types of ATVs and Alternatives Insurance® of Chesterfield can help you get the correct Chesterfield Missouri all-terrain vehicle insurance coverage you need.   The types of all-terrain vehicles include:

Chesterfield Missouri Off-Road Utility Vehicles

A “Utility vehicle” is “any motorized vehicle manufactured and used exclusively for off-highway use which is sixty-three inches or less in width, with an unladen dry weight of 1,850 pounds or less, traveling on four or six wheels, to be used primarily for landscaping, lawn care, or maintenance purposes.”

  • Utility vehicles do not meet the definition of a motor vehicle or ATV, and will not be titled and registered.  Examples of off-road utility vehicles include, but are not limited to:
    • Minicab,
    • Mule,
    • Gator,
    • Max/Buffalo, Etc.
  • Utility vehicles cannot be operated upon the highways of this state unless they are:The operator must have a valid driver license, but does not have to be motorcycle qualified.
    • Owned and operated by governmental entity for official use,
    • Operated for agricultural or industrial on-premise purposes, or
    • Operated by handicapped persons for short distances on secondary roads.
  • Cities/counties are allowed to issue special permits for utility vehicles to be used on county roads within the county or on highways within the city to licensed drivers for a fee of $15. The fee is to be kept by such city/county.
  • The seller of a utility vehicle is responsible for collecting and remitting all applicable state and local tax on new utility vehicles.
    • Utility vehicle owners may qualify for a “farm use” tax exemption.

Chesterfield Missouri All-Terrain Vehicle Insurance Coverage by Alternatives Insurance® of Chesterfield  (636) 449-1213Chesterfield Missouri Recreational Off-Highway Vehicles

A “Recreational Off-Highway Vehicle” is “any motorized vehicle manufactured and used exclusively for off-highway use which is sixty-four inches or less in width, with an unladen dry weight of two thousand pounds or less, traveling on four or more nonhighway tires, with a nonstraddle seat, and steering wheel, which may have access to ATV trails.”

  • Recreational off-highway vehicles do not meet the definition of a motor vehicle or ATV, and will not be titled and registered.

Alternatives Insurance® of Chesterfield offers a variety of ATV insurance coverages, including:

Chesterfield Missouri ATV Comprehensive Insurance Coverage

In most circumstances, Comprehensive ATV insurance coverage pays for damage to your ATV if it’s caused by an event other than a collision. For instance, if your ATV is damaged by fire, theft, vandalism, flooding, or an animal, Comprehensive coverage will likely apply. You just pay the deductible you selected, and your ATV insurance will cover the rest.

Chesterfield Missouri ATV Collision Insurance Coverage

Collision pays for significant physical damage to your ATV if you hit another ATV, a tree, a parked vehicle, a big rock, a stump, a fence post, or other obstacle. You just pay the deductible you selected, and your Collision coverage will pay for the rest. Due to the rough nature in which many ATVs are used, Collision does not provide coverage for scrapes, scratches, minor dings/dents, and other cosmetic/non-structural damage.

Chesterfield Missouri ATV Bodily Injury & Property Damage Liability Insurance Coverage

ATV insurance coverage offers Bodily Injury and Property Damage Liability to pay for injuries to people or damage to property caused by your ATV. Liability coverage also protects your assets, up to the limits you choose.

Chesterfield Missouri ATV Uninsured/Underinsured Motorist Insurance Coverage

If the person at fault for an accident doesn’t have insurance – or doesn’t have enough insurance – Uninsured/Underinsured Motorist Bodily Injury will pay for injuries and damages you suffer that the at-fault party is legally liable for, such as medical treatment and lost wages. You simply select the amount of ATV insurance coverage you want, and you’re protected up to those limits.

Several factors can affect your ATV insurance rate. You may not be able to control them all, but there are a few things you can do if you have ATV insurance coverage and want to keep your rates low:

Ride Smart.  If you have violations on your driving record or claims on your ATV insurance policy, your rates will be higher.  Choose the right ATV for your needs. For example, if you race ATVs, those vehicles are considered more aggressive machines, and typically cost more to insure.

Similar to Chesterfield Missouri all-terrain vehicle insurance coverage, Alternatives Insurance® of Chesterfield offers recreational vehicle insurance, boat insurance, powersports insurance and motorcyle insurance coverages.  Owning additional ATVs on your policy will qualify you for multi policy discounts.  Please contact one of our insurance agents for any assistance. 

According to The Missouri Department of Revenue, you have 30 days from the date of purchase to title and pay sales tax on your newly purchased ATV.  If you do not title the ATV within 30 days, there is a title penalty of $25 on the 31st day after purchase. The penalty increases another $25 for every 30 days you are late with a maximum penalty of $200.

Resources:

Chesterfield Missouri All-Terrain Vehicle Insurance Coverage Resources by Alternatives Insurance® of Chesterfield  (636) 449-1213

___________________________________________________________________________________________________

Why Choose Alternatives Insurance® of Chesterfield?

We’re 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.

We’re committed to professionalism

Our dedication to 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.

We’re committed to solving 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.

We’re committed to earning and maintaining your trust

We believe trust is something earned by listening to our customers while providing helpful advice and support. Trust and consistent underwriting practices is what we expect from our carrier partners, and in return we owe the same level of service to you.

Missouri Auto Insurance | Alternatives Insurance® of Chesterfield

Missouri Auto Insurance Information

Automobile Insurance by Alternatives Insurance® of Chesterfield (636) 449-1213

Missouri Automobile Insurance by Alternatives Insurance® of Chesterfield (636) 449-1213

A Missouri Auto Insurance Policy is a legal contract that protects your financial well being if you should have an accident. Although it is not required by federal law, the purchase of auto insurance is generally required in most states.  Regardless of the law, it is wise to have a Missouri auto insurance policy to avoid potential costly lawsuits or immense repair bills. Since Auto Insurance is regulated by State Laws, it is important to know the Missouri Auto Insurance laws; and they are the same in all cities and towns.  Thus, Chesterfield MO Auto Insurance is the same as Ballwin Auto Insurance, Manchester Auto InsuranceCreve Coeur Auto Insurance, and so on. Auto insurance policies generally have the following types of coverage.

While some of these types of coverage are required by state law, some are considered optional. They are: 1.  Bodily injury liability 2.  Property damage liability 3.  Medical payments or Personal Injury Protection (PIP) 4.  Collision 5.  Comprehensive  6.  Uninsured/Under-insured motorists coverage Liability Insurance  7. Towing or Roadside Assistance 8.  Rental Reimbursement

Missouri Auto Liability Insurance

Liability insurance (both bodily injury and property damage) is the foundation of Missouri auto insurance policies. Almost every state that requires auto insurance mandates the purchase of Property Damage and Bodily Injury liability coverages.  If you are at fault in an auto accident, your liability coverage will pay the covered liability expenses up to the policy limit for  bodily injury, property damage, and any legal bills. The bodily injury coverage would pay for medical bills and lost wages; the property damage coverage would pay for any property of others that was damaged. If you own a home and have nest egg and a savings account, you should consider more liability insurance because, in most states, drivers are allowed to sue other drivers who injure them in car accidents. If you’re sued and your liability insurance doesn’t pay for all of the damages, your personal finances are on the hook, and it’s likely you’ll become a target.

Missouri Auto Bodily Injury Liability Insurance

The Missouri bodily injury liability insurance coverage pays for medical bills and lost wages of others.  If you are determined to be at fault, this coverage will pay up to the policy limits.  Again, it is wise to purchase more than the Missouri state minimum limits ($25,000 per person and no more than $50,000 total for all the persons in the accident).  Severe injuries can costs hundreds of thousands of dollars for just one person; not including lost of wages, and pain and suffering.  As with Property Damage Liability Insurance, it’s a good idea to buy more than the Missouri minimum Bodily Injury Insurance limits.  Important Point:  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.  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 Property Damage Liability Insurance

Property Damage Liability coverage pays for the repair or replacement of property damaged other than your own car, such as lamp poles, fences, buildings, or anything else that your car may have damaged.   If you are determined to be at fault, this coverage will pay up to the policy limits.  Again, it is wise to purchase more than the Missouri state minimum limits of $10,000.   As with Bodily Injury Liability Insurance, it’s a good idea to buy more than the Missouri minimum Bodily Injury Insurance limits.  Important Point:  Although buying only the minimum State required limits can get you a cheaper auto insurance rate, if you cause a serious accident, minimum insurance may not cover you adequately.  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 $10,000 minimum limit, if that is the coverage you purchased.  Multiple vehicle accidents or Tractor Trailer Trucks loaded with cargo can have damages of $250,000 or more.  That’s why it’s a good idea to buy more than the Missouri minimum Property Damage Insurance limits.

Missouri Auto Collision Insurance Coverage

If you cause an accident, collision coverage will pay to repair your vehicle. You usually can’t collect any more than the actual cash value of your car, which is not the same as the car’s replacement cost. Collision coverage is normally the most expensive component of your car insurance rate. By choosing a higher deductible, say $500 or $1,000, you can keep your premium costs down. However, keep in mind that you must pay the amount of your deductible before the insurance company kicks in any money after an accident. Insurance companies often will “total” your car if the repair costs exceed a certain percentage of the car’s worth. The critical damage point varies from company to company, from 55 percent to 90 percent.

Missouri Auto Comprehensive Insurance Coverage

Comprehensive coverage will pay for damages to your car that weren’t caused by an auto accident: Damages from theft, fire, vandalism, natural disasters, or hitting a deer all qualify. Comprehensive coverage also comes with a deductible and your insurer will only pay as much as the car was worth when it got wrecked. Because insurance companies normally will not pay you more than your car’s book value, it’s helpful if you have a rough idea of this amount. Check the Kelley Blue Book or the National Automobile Dealers Association. If your car is worth less than what you’re paying for the coverage, you’re better off not having it. Neither collision nor comprehension insurance is required by any of the states, but some lenders, when the owner finances the car, may require the purchase of collision and comprehensive in the loan agreement. Even when it is not required, collision and comprehensive coverage is highly recommended by the insurance industry, so that in the unforeseen event of damage or theft, the owner of the car can avoid heavy bills. Theft of cars is not as unusual as some people may think. In 2004, a car was stolen in the United States every 26 seconds, and a car had a 1 in 190 chance of being stolen. Medical Payments, PIP, and No-fault coverages.

Missouri Medical Payments (MedPay) Coverage

Medical payments (MedPay) coverage will pay for your and your passengers’ medical expenses after an accident. These expenses can arise from accidents while you’re driving your car, someone else’s car (with their permission), and injuries you or your family members incur when you’re pedestrians. The coverage will pay regardless of who is at fault, but if someone else is liable, your insurer may seek to recoup the expenses from him or her.

Missouri Auto Personal Injury Insurance 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, there is no need to buy more than the minimum required amount of PIP or MedPay insurance.  If you have a good health insurance plan, there might be little need to buy more than the minimum required PIP or MedPay coverages, if at all. And, if you already have disability insurance, there’s little reason to purchase higher-than-minimum amounts of PIP.

Missouri Auto Uninsured Motorists Insurance (UM) Coverage

Uninsured motorists (UM) coverage pays for your injuries if you’re hit by a hit-and-run driver or someone who doesn’t have auto insurance. It’s wise to have the same limits for UM/UIM as you have for bodily injury liability. UM/UIM covers damages to you and your property. It pays for your injuries and, in some policies, damage to your car, if the person at fault in an accident with you cannot pay for your damages.  Since it’s wise to base your liability limit on what you have to lose, you should do the same with UM/UIM.

Missouri Auto Underinsured Motorists Insuranc e (UIM) Coverage

Underinsured motorists (UIM) coverage will pay out if the driver who hit you causes more damage than his or her liability coverage can cover. In some states, UM or UIM coverage will also pay for property damages. Similarly, under-insured motorists insurance will cover any damage caused when you are struck by a driver who is not insured for a sufficient amount. You’ll probably want to have at least the minimal amount of UM/UIM because if you can’t find the other driver, you’ll at least have some coverage for pain-and-suffering damages.

Missouri Auto Insurance Optional Coverages

Several supplemental Missouri auto insurance coverages are available, either as separate premium items or included in augmented policies. Rental reimbursement, a common add-on, covers vehicle rentals required because your car is damaged or stolen.  Coverage for towing and labor or Roadside Assistance charges in case of a road breakdown is also common.  Gap coverage for your new car will pay the difference between the actual cash value you receive for the car and the amount left on your car loan if your vehicle is totaled in an accident.

Important Points about Missouri Auto Insurance Coverage

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. 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.

__________________________________________________________________

Why Choose Alternatives Insurance® of Chesterfield?

We’re committed to outstanding customer service

We start by offering the best Missouri 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.

We’re committed to professionalism

Our dedication to 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.

We’re committed to solving 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.

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.