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.
#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 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.