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

 

Missouri Earthquake Insurance  |  Are You At Risk?

Missouri Department of Insurance Recommends

Homeowners To Consider Buying Earthquake Coverage

 

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

According to an article published by the Missouri Department of Insurance, Financial Institutions & Professional Registration, many Missourians are having trouble getting Missouri Earthquake Insurance Coverage. Recent insurance data demonstrates that southeast Missouri is experiencing an insurance coverage crisis.

Click here to read the full article on Department of Insurance Website.

Contact Alternatives Insurance of Chesterfield today for a free insurance review and we’ll help you determine if you qualify for Missouri Earthquake Insurance.

Check Out the earthquake preparedness videos created by Missouri school children!

 

Helpful Resources:

http://www.nehrp.gov/library/plan_prepare.htm

http://www.fema.gov

http://earthquake.usgs.gov

http://www.ready.gov/kit

http://dnr.mo.gov/geology/geosrv/earthquakes.htm

http://www.redcross.org

http://www.nhc.noaa.gov

http://www.eas.slu.edu/Earthquake_Center


Alternatives Insurance of Chesterfield is a full service Independent Insurance Agency representing many of Missouri’s premier personal and commercial insurance carriers. We assess risks and shop for companies to find the best coverage for the lowest price. With a combined experience of over 60 years in the Chesterfield Missouri insurance industry, our agents are knowledgeable and competent specializing in auto, home, renters, boat, motorcycle, business automobile, workers compensation, and general liability.

We serve all of Saint Louis and Jefferson counties including Chesterfield, High Ridge, Arnold, Imperial, Valley Park, Ballwin, Eureka, Pacific, House Springs, Hillsboro, Sunset Hills and St. Clair. Our professional insurance agents at Alternatives Insurance of Chesterfield can help you get the best value for your Missouri insurance needs.

The Missouri Department of Insurance, Financial Institutions and Professional Registration (DIFP) is responsible for consumer protection through the regulation of financial industries and professionals. The department’s seven divisions work to enforce state regulations both efficiently and effectively while encouraging a competitive environment for industries and professions to ensure consumers have access to quality products.

 

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.

 

Where to Learn more about Home insurance in Chesterfield MO

Understanding Your Options For The Best Protection

Where to Learn more about Home insurance in Chesterfield MO | Alternatives Insurance® of Chesterfield | (636) 449-1213Alternatives Insurance® of Chesterfield knows it is important to help home owners understand their options and how to best protect their family and belongings in case of a loss.  Our agents are here to help home owners know where to learn more about home insurance in Chesterfield MO.

There are many coverage options you can have in your policy.  On your declaration page you will see several terms; including dwelling coverage and personal property coverage.  The word dwelling in your home insurance policy actually refers to your home itself and attached structures, such as an attached garage.  One of our experienced agents can run a cost analysis that calculates the cost to rebuild your home. If you don’t adjust the amount of insurance for your dwelling appropriately, you may not have enough insurance to replace your home if disaster strikes.

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

Detailed information about home owner insurance and how to contact us can be found on our website.

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Where To Learn More About Business Insurance In Chesterfield MO

Insurance Resources for Business Owners

Where To Learn More About Business Insurance In Chesterfield MO  |  Alternatives Insurance® of Chesterfield  |  (636) 449-1213Alternatives Insurance® of Chesterfield knows how important it is to help business owners understand insurance options and how to best protect business assets in case of a loss.  Our agents are here to help business owners know where to learn more about Business Insurance in Chesterfield MO.

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

Do you rest well at night knowing your assets are protected?  Have you thought about the potential losses you would incur if something unfortunate would happen to your business?  Owning the right business insurance makes good business sense.

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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:

PERSONAL INSURANCE

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

Insurance Savings Chesterfield Missouri

Insurance Savings Chesterfield Missouri by Alternatives Insurance® of Chesterfield (636) 449-1213Some things are like a light bulb coming on right in front of you.  Getting quotes from dozens of top-rated insurance companies just makes a lot of sense.  A local agent, shopping my insurance, getting me the coverages that I need for the lowest cost!  How bright!

Let an agent with Alternatives Insurance® of Chesterfield  shop your insurance to find the best price for the coverages you need.  Save Time and Money!  For Insurance Savings Chesterfield Missouri, call (636) 449-1213.

Alternatives Insurance® of Chesterfield is a full service Independent Insurance Agency representing many of Missouri’s premier personal and commercial lines insurance carriers.  We assess risks and shop for companies to find the best coverage for the lowest price. With a combined experience of over 60 years in the insurance industry, our agents are knowledgeable and competent specializing in autohome, renters, boat, motorcycle, business automobile, workers compensation, and general liability For Insurance Savings Chesterfield Missouri, call  (636) 449-1213.

Homeowner Insurance TIP: Washing Machine Hoses-Chesterfield MO

Alternatives Insurance of Chesterfield | (636) 449-1213Home Insurance TIP.   Alternatives Insurance® of Chesterfield Missouri will be providing useful insurance news and tips that will save you money and possibly prevent some bad claims.

If you have a washing machine, please check the connecting water hoses.  They should be the new flexible steel hoses — if you still have rubber hoses — you are likely to have a very bad water damage problem at some point. If you do have rubber hoses, please turn the water off to the washing machine when you leave for a few days–like on vacation. Water running out of your front door when you return home is not a fun experience.

More Insurance Tips about preventing claims and saving money coming soon!  Alternatives Insurance® of Chesterfield Missouri (636) 449-1213.  We provide insurance and financial services to all residence of Missouri.