Instant Auto Insurance Quote Missouri

MJM Insurance of Fenton MO Enhances Insurance Quote Automation for Buyers

Instant Auto Insurance Quote  |  Missouri  MJM Insurance of Fenton  |  (636) 343-5000 Through a new auto insurance quote engine on our website, MJM Insurance of Fenton now offers the ” Instant Auto Insurance Quote Missouri ” platform.  This platform provides instant auto insurance quotes from multiple carriers.  As an Independent Insurance Agency, our licensed insurance agents have access to more than 15 different personal and commercial line insurance carriers.  This new system makes shopping for insurance easier for the consumer.

The new automated system is available to Missouri residents at http://fentoninsurance.net/insurance-quote/.

MJM Insurance of Fenton offers competitive rates through Travelers, Safeco, EMC, Columbia Mutual, Kemper Preferred, Madison Mutual, Progressive, The Hartford, West Bend, Chubb and dozens more.  Enhancing the quote automation for buyers makes the process to shop and receive auto insurance quotes from multiple carriers quick and easy.

Anyone interested in receiving a quick auto insurance quote can go to the website, click on the auto insurance quote button and complete the form with as much information as possible.  In less than 5 minutes, your Instant Auto Insurance Quote Missouri will appear on the screen that includes a comparative list of Auto Insurance Quotes From Multiple Carriers. The quotes are produced based on the information entered into the system.

MJM Insurance of Fenton follows the highest industry standards to safeguard the confidentiality of personal information and secures the transmission of information through this new automated system. When you request an auto insurance quote, rest assured the inquiry does not impact your credit score, or show up on your credit report.

When buying auto insurance, it’s important to consider not only the price, but also the carriers and the coverages.  The following information is provided as a guide to the insurance coverages all drivers need to consider.  MJM Insurance of Fenton agents are readily available to assist consumers with questions about Missouri auto insurance.

AUTO INSURANCE COVERAGES TO CONSIDER

Instant Auto Insurance Quote  |  Missouri  MJM Insurance of Fenton  |  (636) 343-5000

CLICK THE LINK IN THE SIDEBAR FOR YOUR INSTANT AUTO INSURANCE QUOTE 

Liability Coverage. Liability is required by law. It protects the other person(s) involved with an accident that is your fault.  Liability coverages include Bodily Injury Per Person, Bodily Injury Per Accident, Property Damage and Uninsured Motorists Coverage.

Uninsured/Underinsured Motorist Coverage.  Uninsured/Underinsured Motorist Coverage protects you if you’re in a car accident and the other driver is at fault – and that driver doesn’t have car insurance, or only carries the state minimum!

Comprehensive & Collision. Comprehensive and collision coverages are optional and usually required if you lease or have a lien.

Comprehensive Insurance Coverages
Comprehensive will help cover costs of damage to your vehicle that result from an event that is not an accident.

Collision Insurance Coverage

Collision Coverage pays for damages to your vehicle after a collision with another car or object.

Medical Coverage

Medical coverage is an important auto insurance coverage, and also optional. Medical 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.

 

OUR TEAM + ADVANCED AUTOMATION = SUPERIOR SERVICE

It is our duty to insure consumers understand what coverages may best meet their needs.  Consumers can get a quick auto insurance quote and have access to professional insurance agents–to help them make an informative decision and avoid potential risks.  Contact us now if you need anything!

MJM Insurance of Fenton is a full service independent insurance agency representing many of Missouri’s premier personal and commercial insurance carriers. With a combined experience of over 70 years in the Fenton Missouri insurance industry, our agents are knowledgeable and competent specializing in auto, home, renters, boat, motorcycle, business automobile, workers compensation, and general liability. With our utilization of cutting edge automation, we’re able to provide superior service to our clients including A+ rated insurance products.

MJM Insurance of Fenton is a supporting member of the Missouri Association of Insurance Agents and committed to the Trusted Choice Pledge, and we proudly represent many of the industry’s leading national and regional insurance companies offering competitive rates through Travelers, Safeco, EMC, MetLife, Columbia Mutual, Kemper Preferred, Madison Mutual, Progressive, The Hartford, West Bend, Chubb and dozens more.

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

For our clients’ convenience, our agents are available for after hours appointments and Saturdays. Our normal office hours are Monday – Friday from 9am to 6pm.

Get your free Instant Auto Insurance Quote Missouri online at http://fentoninsurance.net/quote-submit/personal-insurance-quotes.

Auto Insurance, Life Insurance, Home Insurance

Co-Founder of Alternatives Insurance Group is re-branding AIF to MJM Insurance

MJM Insurance of Fenton now offers more competitive products and solutions for Missouri consumers, including Missouri Auto Insurance, Life Insurance, Home Insurance and Business Insurance.

Contact MJM Insurance of Fenton for more information (636) 343-5000 and click the image below to read the full article!

MJM Insurance of Fenton Auto Insurance, Home Insurance, Business Insurance | (636) 343-5000

 


 

The following article was published on a variety of networks including ABC, Fox and NBC. It has also been syndicated to news RSS feeds and announced within the most popular newsdesk databases.

Marc Majnerich, co-founder of Alternatives Insurance Group, is re-branding Alternatives Insurance of Fenton to MJM Insurance of Fenton. This change is one of the many to come. MJM Insurance of Fenton opened in 2002 as a full service independent insurance agency and a corporate location member of Alternatives Insurance Group, a group membership organization of local St Louis area insurance agencies founded in 1992. The licensed insurance agents have a combined 70+ years of experience and are dedicated to provide personal and business insurance tools, resources and the most current technology. Each year, their licensed professionals maintain the certified educational requirements required by the Missouri Bureau of Insurance. The team continues to add products to specifically meet Missouri residents needs.

“Less is more” is the idea of the re-brand design concept. Less relates to narrowing down the available insurance products to a handful of key partners. Safeco, Travelers and Progressive will likely be the top three, out of more than 15 carriers, for years to come. More relates to reducing the number of carriers is a value-added benefit in that the agents and staff members are able to stay on top of current trends, stay educated and up to date on all represented carrier partner underwriter practices for each carrier that is represented by MJM Insurance of Fenton. In fact, a large part of the success of local captives is the fact they know the ins and outs of one single company, and they know the ins and outs very well.

In addition to the new brand and eye catching design, MJM Insurance of Fenton has incorporated a custom Client Portal allowing clients to access basic policy information, quick link to the carriers and their insurance documents 24/7. MJM Insurance of Fenton also offers a web based Consumers Rater for Missouri consumers looking for instant personal lines quotes from Safeco, Travelers, The Hartford, Progressive, EMC, MetLife and several other A+ carriers. “Our use of technology allows us to have fewer staff members yet still provide the highest quality efficiency and superior service to our clients and prospects.”, reports Marc Majnerich, owner of MJM Insurance of Fenton. MJM Insurance as a whole, is the single largest annual net written premium volume agency of the Alternatives Insurance Group.

Get instant quotes or policy access, anywhere, anytime, any device.

“Over the next few years, I plan on reaching out to strong regional insurance carriers in order to fill voids. I think offering quality products to consumers which prefer buying from local independents and regional insurance carriers will become more and more common. Buying power will be shifting from baby boomers to millennials.. and our goal to be prepared to communicate and offer technology based features as well as allow clients to dial our direct extensions with the push of a button or clicking their mouse… In fact, the new world of impatient consumers refuse to hold or verbally ask for their agent. They simply want direct contact immediately or elect to no contact at all.”, says Marc Majnerich of MJM Insurance of Fenton.

MJM Insurance of Fenton is a supporting member of the Missouri Association of Insurance Agents and committed to the Trusted Choice Pledge.

 

Homeowner Insurance Coverages During Tornado Season

Unfortunately, tornado season has been a rough one this year. We have witnessed much devastation and couldn’t help but think, “I hope they had good homeowner insurance coverages”. This thought is not from a selfish standpoint, but rather a professional who knows the risks and can help people avoid total loss in the event of a covered peril.

The following video will explain how MJM Insurance of Fenton can help you.  Don’t wait until insurance companies put a freeze on writing policies! Call Today (636) 343-5000

 

Auto Insurance Quote Fenton Missouri

Our Team + Advanced Automation = Superior Service℠

Auto Insurance Quote Fenton Missouri from Mutiple Carriers by MJM Insurance of Fenton Missouri (636) 343-5000Have you been searching the internet for “Auto Insurance Quote Fenton Missouri.”  If so, your search is over!  Just click on our Instant Quote Line and complete the online Auto Insurance quote engine form. In only a few minutes, you will have Fenton Missouri Auto Insurance Quotes from multiple, top rated, insurance companies.

 With our utilization of cutting edge automation, we’re able to provide superior service to our clients including A+ rated insurance products.  Our agents proudly represent many of the industry’s leading insurance carriers so we can offer you competitive rates through Travelers, Safeco, EMC, MetLife, Columbia Mutual, Kemper Preferred, Madison Mutual, Progressive, The Hartford, West Bend, Chubb and dozens more.

 If you’re like our insurance agents, your busy with work, picking up the kids, making dinner and so on. By the time the weekend comes around we pay the bills and wonder where all the money has gone! MJM Insurance of Fenton can help you save time and money with our new online quoting system.  In just a few minutes, our system will calculate your Auto Insurance Quote Fenton Missouri!

Auto Insurance Quote Fenton Missouri

Auto Insurance Quote Fenton Missouri from Mutiple Carriers by MJM Insurance of Fenton Missouri (636) 343-5000Visit Fenton Missouri Auto Quote Page to get your instant, online quote.  Once you receive your Fenton Missouri Auto Insurance quick quote, one of our agents will be in contact to help speed the process along.  Missouri Auto Insurance has many components and varies from company to company.  It is not an easy task to understand all of the issues involved in making a decision about what car insurance policy and features are best for you.  Buying just any policy without fully understanding your risk and coverage needs could be a very costly mistake.  So, with your information, we will shop your auto insurance for you – saving you time.  It does not cost more to have our professional assistance—we are likely to find the best
coverage to meet your needs for a lower cost by shopping many top-rated companies.

Missouri Auto Insurance prices vary for each individual, family, college student, homeowners, etc. 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 such as St Louis, will pay more than someone who lives in a small town, despite the two having the same driving records.  

Auto Insurance Quote Fenton Missouri from Mutiple Carriers by MJM Insurance of Fenton MissouriMJM Insurance of Fenton is a full service independent insurance agency representing many of Missouri’s premier personal and commercial insurance carriers. With a combined experience of over 70 years in the Fenton Missouri insurance industry, our agents are knowledgeable and competent specializing in Missouri Auto Insurance, Home Insurance,  Renters Insurance, Business Insurance, Workers Compensation Insurance, and, don’t forget the boat & motorcycle!

MJM Insurance of Fenton 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. You can trust that our agents have strong credentials and stay on top of current trends in the insurance industry.  We maintain relationships with insurance carriers, that allow us to provide quick turnaround time on all your questions, needs, and insurance claims.  

Our staff members are trained to be proactive and provide the right answers, helping you understand your insurance coverages. Most importantly, we will earn your trust by becoming your partner. 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.


Why Choose MJM Insurance of Fenton?

We’re committed to outstanding customer service

We start by offering the best insurance products at a reasonable price. But it’s the MJM Insurance™ of Fenton 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 MJM Insurance™ of Fenton 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

MJM Insurance™ of Fenton 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.

Searching for an Auto Insurance Quote in St Louis Missouri?  Visit MJM Insurance of St Louis.

Missouri Home Insurance | Avoiding Claims in the Winter

How to Keep Your Insurance Costs from Rising

Missouri Home Insurance | Avoiding Claims in the Winter - MJM Insurance of Fenton | (636) 343-5000Winters in Missouri can be long with temperatures ranging from mildly to bitterly cold. Kansas City’s average January low is 26 °F and St. Louis’s average January low is 29 °F.  While our agents are here to help our clients with any claim needs; we also want to help clients avoid winter damage to their home.

Losses from snow, ice and freezing temperatures have averaged about $1.2 billion a year, and may be double that amount this year. This article provides useful tips for homeowners to keep in mind during the winter months. Missouri Home Insurance | Avoiding Claims in the Winter.

Outside Maintenance

  • Missouri Home Insurance | Avoiding Claims in the Winter - MJM Insurance of Fenton | (636) 343-5000Clean out gutters so melting snow and ice can flow freely. This can prevent ice damming, which is what happens when water is unable to drain through the gutters and instead permeates into the house.
  • Install gutter guards to prevent debris from entering the gutter and interfering with the flow of water.
  • Trim trees and remove dead branches. Ice and snow can sometimes become very heavy and could cause weak trees or branches to break free and damage your home.
  • Repair steps and handrails so that visitors on your property are safe and avoid injury.
  • Seal cracks and holes in outside walls and foundations to prevent cold air and moisture from entering your home.

How to Avoid Freezing Pipes & Water Damage

  • Missouri Home Insurance | Avoiding Claims in the Winter - MJM Insurance of Fenton | (636) 343-5000Keep the house warm. Set the thermostat no lower than 65 degrees.
  • During super harsh cold weather, turn on faucets so that a trickle of water continues running through the pipes.
  • Check pipes. Look closely for the presence of cracks and leaks, and have them repaired immediately. Pipes in attics and crawl spaces should be protected with insulation.
  • Install an emergency pressure release valve in your plumbing system. This will protect the system against increased pressure caused by freezing pipes and can help prevent your pipes from bursting.
  • Add extra insulation to attics, basements and crawl spaces. If too much heat escapes through the attic, it can cause snow or ice to melt on the roof. Water then can refreeze, leading to more ice build-up—and even ice dams that can damage your roof.
  • Have a back-up power source. In the event of a power outage, continuous power will keep you warm and help to prevent frozen pipes, or a frozen battery operated sump-pump.

Flooding

  • Missouri Home Insurance | Avoiding Claims in the Winter - MJM Insurance of Fenton | (636) 343-5000Flooding related to melting snow can cause sewer systems to overflow; hence causing raw sewage to back up into the drains in your home. Some carriers offer water & sewer backup coverage.  This coverage is not part of the typical homeowners insurance policy, but may be purchased as an endorsement.
  • Sewer backup is NOT covered with flood insurance. Flood Insurance is a separate policy available from the National Flood Insurance Program (NFIP).  Flood insurance covers floods from tidal surge and overflowing bodies of water.
  • Install a Backwater Prevention Valve. A backwater valve is a fixture installed into a sewer line, and sometimes into a drain line, in the basement of your home or business to prevent sewer backflows.

Wood Stoves & Fire Places

  • Missouri Home Insurance | Avoiding Claims in the Winter - MJM Insurance of Fenton | (636) 343-5000Remove combustible items placed near any hart sources. This includes wood stoves and space heaters.
  • Install smoke and carbon monoxide detectors. Not only do residential fires increase in the winter, but so does carbon monoxide poisoning—so check that your detectors are in working condition on a regular basis.
  • Have your heating systems serviced. Furnaces, boilers and chimneys should be serviced at least once a year to prevent fire and smoke damage.

What’s in Your Policy?

Most homeowners insurance policies have a deductible that the insured is responsible for paying. And if the claim exceeds the policy’s limits, the insured could be responsible for additional costs.  Licensed agents with MJM Insurance of Fenton will review homeowner policies at no charge. Winter damage could cause insurmountable damage, so it is important to make sure the right coverages are in place.

Loretta Worters, spokeswoman for the Insurance Information Institute, said most standard homeowners’ and renters’ policies cover damage from burst pipes and other winter-related mishaps, including roofs that collapse from the weight of snow and water damage from ice dams.

It’s best to check your policy ahead of time, to make sure you know just what it covers, and what your coverage limits are.

Missouri Home Insurance Covererages Explained

MJM Insurance of Fenton has been serving Fenton Missouri community for more than 10 years.  Our agents provide a free analysis of homeowners’ insurance policy coverages, deductibles and premiums.  It is our pleasure to provide this video, Missouri Home Insurance Covererages, please call us to schedule your appointment today.

 

Missouri Auto Insurance Roadside Assistance on YouTube!

Insurance carriers offer different benefits, and restrictions, for Missouri Auto Insurance Roadside Assistance. Contact our licensed agents for a free review of your auto insurance policy and we’ll help you determine if you have the best roadside assistance package.  (636) 343-5000

 

 

 

 

Missouri Auto Insurance Roadside Assistance

So Many Options…. What Roadside Package To Choose?

Missouri Auto Insurance Roadside Assistance | MJM Insurance of Fenton | (636) 343-5000At some point, we all need roadside assistance. Whether we run out of gas, get a flat tire, or slide into a ditch in a snowstorm.  But, not all insurance companies provide the same Missouri Auto Insurance Roadside Assistance services. That is why you will get different prices from different carriers.  Each carrier has their own package; this article will explain the various types of benefits that we found from different carriers.

This article is not all-inclusive, but will give you a pretty good idea of the options available and what to ask your agent. These are general policy descriptions to help you understand the different types of coverages. They are not intended to modify any provisions in any contract of insurance.  Example of Roadside Assistance options include, but are not limited to the following:

  • Towing – not all Roadside Assistance plans are open 24/7.
  • Tire Changes – may require that you have the spare tire.
  • Lockouts – open car door or replace the lock for a nominal fee that is not included.
  • Lost-key Replacement – only if the key can be made at the time of service.
  • Fuel Delivery – up to a set number of gallons. A lot of times we see up to 1 gallon of gas.
  • Jump Start Battery Service – free battery test and jump start to get you to the closest garage or your destination.
  • Minor Roadside Repairs – at the site of disablement; e.g.,  loose hose connection, reattach loose parts.
  • Trip Interruption – pays for overnight stay and food if you are stranded while your vehicle is being repaired.

Missouri Auto Insurance Roadside Assistance | MJM Insurance of Fenton | (636) 343-5000Some plans offer extras:

  • Roadside assistance when you’re on your bicycle.
  • Discounts for drivers who own hybrid cars.
  • Coverage for re­doing any repair that fails within six months or 6,000 miles.
  • Reimbursement for services you arrange on your own.
  • Coverage for rental car breakdowns.
  • Coverage for you, your spouse, and children under 21 living at home.

Additionally, different carriers offer different pricing structures.  Some providers offer a yearly membership plan and some carriers have a pay-per-use roadside service option.  Pay-per use roadside assistance is typically billed at a higher rate than an annual plan or option in your auto insurance policy.  Average price for pay-per-use ranges between $59 for non-tow services and $129 for towing service.  In fact, some roadside assistance packages restrict the number of tows per year.
When you are researching Missouri Auto Insurance Roadside Assistance packages, or talking with your agent, be sure to inquire on the number of miles included in the towing service. Some carriers offer up to 200 miles of towing, while some carriers charge $75 for 50 miles, and only if you are within 100 miles of your home. Furthermore, some towing companies may tow you to a location of your choosing, while others take you to the closest repair shop.  If your Missouri Auto Insurance Roadside Assistance coverage lets you choose your towing destination, find out if you will be charged if you exceed mileage limits.

Missouri Auto Insurance Roadside Assistance | MJM Insurance of Fenton | (636) 343-5000Generally, tow truck drivers are contracted by the insurance company.  The insurance provider may exclude liability for any damage, injury or loss resulting from the negligence of the independent service facility.  Independent contractors are solely responsible for their actions. Any arrangements made between the towing company and the insured is considered outside of the covered services and are not covered by the insurance company.

There are many restrictions to Missouri Auto Insurance Roadside Assistance services. Some of them are noted below; however, each carrier is different. Just be sure to ask your agent what services are restricted in your auto insurance policy.

  • Service on taxis, buses, moving trucks, limousines or step.
  • Service to unregistered, untagged or uninsured vehicles or vehicles that are otherwise not legally drivable.
  • Services to vehicles which the service provider has determined to be unsafe or which require heavy duty equipment to safely provide service.
  • Service to a vehicle which is snowbound, including unplowed street or driveways.
  • Service on a vehicle to which a plow is attached.
  • Service to an unattended vehicle.
  • Service for a vehicle located at a repair facility where repairs can be performed.
  • Removal of a vehicle from a closed repair facility.
  • Limited number of tows per disablement.
  • Requests to tow a vehicle from the street to the driveway.
  • Tire service for dual-rear wheel trucks or vans.
  • Towing of utility trailers attached to a covered vehicle.
  • Towing not related to an accident.
  • Delivery of diesel fuel.
  • No coverage for towing as a result of flood or fire.

An example of a specific restriction we found with an insurance carrier is given below:

Trip Interruption expense reimbursement qualifications:  Your vehicle must be involved in an accident in the United States or Canada, 100 miles or more from home, while on a leisure trip planned to include at least 1 overnight stay and, due to the accident (but excluding mechanical failure), your vehicle must be inoperable for a minimum of eight hours.

When we breakdown or need roadside assistance, we don’t have time to think about the restrictions… Am I far enough away from home? … Will my vehicle be repaired in less than 8 hours? … How far will the tow truck driver take me?

Before you buy, think about who or what the various plans cover. This can be more confusing than you think. Some auto insurers consider calls for roadside assistance to be negatives, just like accident claims.  Choose a plan with the most generous towing allowance and trip-interruption benefits, especially if you frequently travel far from home.  We recommend consulting with a professional insurance agent to help you select the best coverage to meet your needs.

Give us a call today and we will review your Missouri Auto Insurance policy at no charge. Click here to contact us or call our office at (636) 343-5000.

 

Why Choose MJM Insurance of Fenton?

MJM Insurance® of Fenton 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 Fenton 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 Fenton, High Ridge, Arnold, Imperial, Valley Park, Ballwin, Eureka, Pacific, House Springs, Hillsboro, Sunset Hills and St. Clair. Our professional insurance agents at MJM Insurance® of Fenton can help you get the best value for your fundamental insurance needs.
MJM Insurance of Fenton is a proud member of the Trusted Choice Network
We proudly represent many of the industry’s leading national and regional insurance companies offering competitive rates through Travelers, Safeco, EMC, Columbia Mutual, Kemper Preferred, Madison Mutual, Progressive, The Hartford, West Bend, Chubb and dozens more.

For our clients’ convenience, our agents are available for after hours appointments and Saturdays. Our normal office hours are Monday – Friday from 9am to 6pm. We are dedicated to providing the most exceptional and timely customer service in the industry.

Contact us for your free, no obligation risk evaluation.

Missouri Auto Insurance Coverages on YouTube!

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

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

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

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

(636) 343-5000