Fenton Missouri Insurance Agency

The #1 Fenton Missouir Insurance Agency That Works For YOU!

Fenton Missouri Insurance Agency | MJM Insurance® of Fenton | (636) 343-5000If you are looking for a Fenton Missouri Insurance Agency, consider speaking with our professional agents with MJM Insurance® of Fenton insurance agency. You may have seen the terms independent insurance agencies, captive agencies. and so forth.  We are going to explain the difference, and why you should visit our independent insurance agency – MJM Insurance® of Fenton.

It is important to select an agency with agents who have been licensed for longer than a few years–our agent staff has a combined experience of over 60 years in the insurance industry–they are knowledgeable and competent.  Our agency requires all staff to maintain their credentials so we are always up to date on the many changes within the insurance industry.  It is imperative to select an agency with up to date license. The Missouri Department of Insurance explains the agency requirements. Our agents’ license is proof they we have passed state examinations that require a thorough understanding of insurance policies and practices.  Rest assured, MJM Insurance® of Fenton insurance agency upholds to these standards.

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Fenton Missouri Auto Insurance Information | (636) 343-5000

Auto Insurance Basics

Fenton Missouri Auto Insurance | MJM Insurance® of Fenton | (636) 343-5000Auto 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 Fenton Missouri 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.

MJM Insurance® of Fenton 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.

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Fenton Missouri Insurance Agent

MJM Insurance® of Fenton Is Your Trusted Partner

Fenton Missouri Insurance Agent | MJM Insurance® of Fenton | (636) 343-5000Often times our agents meet potential customers who have had an insurance agent for years and whom they have never met.  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 Fenton Missouri Insurance Agent. MJM Insurance® of Fenton agents pride 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 company.

We sit down with our clients and give a comprehensive account review to 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.

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Auto Insurance Arnold MO | (636) 343-5000

MJM Insurance® of Fenton Sells Auto Insurance in Arnold MO!

Auto Insurance Arnold MO |MJM Insurance® of Fenton | (636) 343-5000Have you been searching online for ” Auto Insurance Arnold MO. ”   Did you know that MJM Insurance® of Fenton Sells Auto Insurance in Arnold MO!  Our agents will shop top rated companies and find the right coverages you need for the best value.

Insurance rates vary by many factors, and we highly recommend you to discuss the options with your MJM Insurance® of Fenton agent. 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.

The 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. Arnold Missouri 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 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 for financial disparity, or you may be paying for coverage you do not need.

There are many types of coverages and the following list will help you understand each type of auto insurance so you can make the right decision that meet your needs.

TYPES OF 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. 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

Vehicle coverages can serve as financial protection when your car is damaged or broken down. However, 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 and medical coverages.

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 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.  Did you know the Institute for Highway Safety Fatality reports nearly 25% of ALL car accidents end in death!  This is a sad, but true statistic.  Don’t take the risk and become a statistic!  Contact your local Arnold MO insurance agent at MJM Insurance® of Fenton – (636) 343-5000.

Auto Insurance Arnold MO |MJM Insurance® of Fenton | (636) 343-5000COMPREHENSIVE 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.

OTHER VEHICLE COVERAGES

There are many other auto insurance coverages, some may qualify you for additional auto insurance discounts. These coverages include Glass Breakage Coverage, Emergency Roadside Assistance, GAP Insurance, and Rental Reimbursement Coverage. You can learn more about these coverage types, and additional coverages by visiting our Auto Insurance page, and by reading the Bodily Injury and Property Damage Coverage page in your policy.

Your search for  “Auto Insurance Arnold MO” is over.  Call an agent with MJM Insurance® of Fenton.  We will shop top rated auto insurance companies and find the coverages you need for the best value.

Auto Insurance Agent in Arnold MO | (636) 343-5000

Auto Insurance Agent Arnold MO | MJM Insurance of Fenton (636) 343-5000

If you have been searching online for “ Auto Insurance Agent in Arnold MO ”,  your search is over!  With more than 60 years of insurance experience, MJM Insurance® of Fenton is a full service Insurance Agency in Fenton Missouri an we also provide our products and services to the residents of Arnold Missouri.

The agents of MJM Insurance® of Fenton 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.  Our Auto Insurance Agents in Arnold MO 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 Arnold, 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 Arnold MO, you need look no further. Our Agents are dedicated to providing every client with Arnold Missouri auto insurance coverages that are tailored to fit their individual needs. We provide the tools and resources necessary to help you understand your options.

MJM Insurance® of Fenton 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 MJM Insurance® of Fenton .

MJM Insurance® of Fenton 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 Arnold MO 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 MJM Insurance® Auto Insurance Agent in Arnold 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.

Jeffrey Declue:  Auto Insurance Agent Arnold MO | MJM Insurance of Fenton (636) 343-5000MJM Insurance® of Fenton is 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.

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 MJM Insurance® of Fenton 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.  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.

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.

Auto Insurance Quote Arnold MO | (636) 343-5000

IAuto Insurance Quote Arnold MO | MJM Insurance® of Fenton (636) 343-5000f you have been searching for “Auto Insurance Quote Arnold MO,” you need to look no further.  MJM Insurance® of Fenton is a full service Independent Insurance Agency that represents many of Missouri’s premier insurance carriers.  An MJM Insurance® of Fenton agent shop top-rater companies and find the auto insurance you need for the best price.

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 auto insurance needs.

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 more. MJM Insurance® of Fenton agents are available for after hours appointments and Saturdays. We are dedicated to providing the most exceptional and timely customer service.

Although we are located in Fenton, we gladly help those who search for “Auto Insurance Quote Arnold MO.”  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 MJM Insurance® of Fenton or call to get the most affordable Auto Insurance Quote in Arnold MO.

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.

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 stay on top of current trends in the insurance industry.  We can find the best Auto Insurance Quote Arnold MO agents can offer.

MJM Insurance® of Fenton 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.

Fenton Missouri Roadside Assistance Auto Insurance | (636) 343-5000

Emergency road service is convenient, easy and cost effective to add to your auto insurance policy.

Fenton Missouri Roadside Assistance Auto Insurance coverage provides towing to the nearest qualified repair facility and covers a specified amount of the necessary labor at the place of breakdown when your automobile is disabled due to mechanical or electrical breakdown, dead battery, lost or stolen keys. Roadside assistance also covers replacing a flat tire with your spare, help when you’re locked out of your car, delivering gas when your tank is empty, low oil, water or other fluids and entrapment in snow, mud, water or sand.  Fenton Missouri Roadside Assistance Auto Insurance can help you with these hassles and inconveniences to get your car back on the road or to a facility where repairs can be made.Fenton Missouri Roadside Assistance Auto Insurance | MJM Insurance® of Fenton (636) 343-5000

Get emergency roadside assistance when you need it.  It can be a major inconvenience when you really need to get somewhere and you’ve got a flat tire. Or you’re out of gas. Or your car just won’t start. Roadside assistance gives you the comfort knowing you have backup when you run into trouble on the road.

MJM Insurance® of Fenton can help you choose the Fenton Missouri Roadside Assistance Auto Insurance that fits your needs at an affordable rate.  Some carriers offer two levels of emergency roadside assistance coverage so you can select the level of service that best meets your budget.  This coverage applies to everyone on your policy, in any car you might occupy.   The following list shows the various services available through the carriers MJM Insurance® of Fenton represents.  Of course each carrier has restrictions and limitations and our agents will find the best Fenton Missouri Roadside Assistance Auto Insurance that meets your needs.

  • Towing up to 15-100 miles.
  • Ditch extraction service.
  • Emergency fuel if your tank is empty.
  • Jump start if your battery is dead.
  • Lockout service up to a specified dollar amount.
  • Trip interruption coverage that will reimburse your expenses for alternate transportation, lodging and meals when you’re stranded away from home.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations.

 


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.

Price Shopping Auto Insurance

The agents at MJM Insurance® of Fenton have access to more than 20 carriers. Let us price shop for you!

Do you wonder if your policy rates are too high? Do you wish you knew more about auto insurance? You’re in the right place! This articlePrice Shopping Auto Insurance | MJM Insurance of Fenton
contains plenty of tips that will make you more knowledgeable about auto insurance. Whether you’re looking for a new policy or just looking for information, these tips will help you out. The best way to know you’re paying a fair price for insurance is to allow MJM Insurance® of Fenton do the price shopping for your auto insurance

When considering auto insurance for a young driver, keep in mind the type of car in relation to the type of insurance you are buying. If the car itself is not worth that much money, pay special attention to the extras on the policy, as well as the deductible amount. Most providers will work with you, based on your choices.

When getting car insurance is not a wise idea to only get your state’s minimum coverage. Most states only require that you cover the other person’s car in case of an accident. If you get that type of insurance and your car is damaged you will end up paying many times more than if you had the proper coverage.

Many people mistakenly believe that insurance premiums do not begin to decrease until a young driver reaches the age of 25. However, if they are a good driver, a young person’s insurance rates start dropping at the age of 18.

Stay far away from vehicles with the word “sport” included on them. Anything that goes fast is viewed negatively by insurance companies, as these can influence drivers to take more risks, which in turn costs them more money. Steer clear of sporty vehicles unless you want your premiums to get higher.

If you plan on buying a new car, but want to keep your insurance rates low, buy a cheaper car. The more expensive a car is to repair, the more money your insurer will require from you. You will save money in buying a lower priced car.

Be extra careful when you drive so as not to be caught in a scam. Insurance rates are as high as they are due to sophisticated staged accidents which are perpetrated by criminals all over the country. Ensure that you photograph any crash scene, and call the police immediately to report the accident.

Be aware of everything you are insuring. A lot of people have car insurance but surprisingly few actually look at the individual things they are insuring. It is important to know your insurance coverages. You don’t want to get in a wreck and find something expensive wasn’t covered by your insurance.

If you have a good health insurance that will cover any cost linked to an injury sustained in a car accident, and if you do not carry many passengers that may not have health insurance, you can save money by dropping the medical payment features of your auto insurance. You should read carefully your health insurance policy to make sure you are covered for everything.

Seek out rates from a variety of insurance companies before picking out your car’s insurance. You will most likely need to shop around and do some research to obtain the best rate you can.

A great tip to use to save money on your auto insurance is to pay for the policy in full. By doing this, you can save upwards of 30% on your auto coverage. Paying month to month may be more convenient, but it can also be a lot more expensive. Paying in a lump sum is preferable, if you have the means to do so.

Look at your auto insurance bill carefully, and make sure that it incorporates all the possible discounts that you might be entitled to. For example, if you are someone who does not drive too much, then you can possibly qualify for a low driver discount. You might have to show proof of this, but it could save you some of money.

Pay for your auto insurance coverage in one payment up front. When you pay in full you will not be charged interest charges as you would if you were paying monthly. This means some companies also offer you a discount if your coverage is paid for ahead of time. Monthly payments can be convenient, but they may not be as affordable as you would like.

To get a good deal on your auto insurance pay for your coverage in full up front. By paying in full you won’t have to pay interest charges that you would normally pay for on a month to month basis.

One of the things that you can do in order to lower the monthly payments on your car insurance is by adding your spouse to the insurance policy. Some insurance companies give reductions when they know that their customer is married as opposed to being unmarried. They see marriage as a sign associated to stability.

Use the internet when shopping for auto insurance. Many companies now offer sites where you can plug in some information and get an instant quote. Some brokers are even available online who can shop multiple companies for you. Shopping on the internet saves you time and keeps you from having to talk to pushy sales people as well.

When searching for an auto insurance policy that is right for you and your vehicle, be aware of how much coverage you actually need. It is dangerous to be underinsured, but if you have have too much insurance, it can be an expensive mistake since you are paying for what you may not need.

Make sure you check with your insurance company to see what discounts might be available to you. Sometimes breaks are given to drivers who travel under 7,500 miles a year. In addition, using the bus or public transit to commute to work will usually lower your premiums. If public transportation isn’t possible, you could always consider carpooling.

Important information about auto insurance usually isn’t taught in schools or in driver’s training courses. It’s your responsibility to find this information on your own. The advice in this article will make you more knowledgeable about auto insurance, which may make it easier to make smart choices when looking for insurance in the future.

 


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.

Auto Insurance Tips to Save Money

Auto Insurance Education Can Save Money

It is important to become educated about auto insurance.  MJM Insurance® of Fenton agents have more than 10 years in insurance and maintain ongoing credentials to keep you informed of coverages and discounts.  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 auto insurance tips to save money and save you hassles in the long run.Insurance Cost Increase | MJM Insurance of Fenton

As an automobile insurance customer, you should always be on the lookout for scams. 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.

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.

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.

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.

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.

If you are trying to save money on your auto insurance, you shouldn’t 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.

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 prClassic Car Insurance | MJM Insurance of Fentonice 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 DMV penalty 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 MJM Insurance® of Fenton 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 MJM Insurance® of Fenton agent and we’ll review your policy, ask a few questions and see if you qualify for additional discounts.


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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.

Save on Auto Insurance in Fenton Missouri

Avoid Accients by Keeping Your Vehicle Running at its Best

Having a trustworAuto Insuarnce and Selecting a Mechanic in Fenton Missourithy Auto Mechanic to make sure your vehicle is running in tip-top shape will help you avoid potential auto accidents.  We all know car repairs can be devastating if you’re not prepared with the information you need to make good decisions. A whole world of things could go wrong, and that is why you should keep reading this article of tips on how to select the best auto mechanic so that your vehicle is safe. Auto Insurance in Fenton Missouri is required by law and keeping your vehicle in good running order will help keep you and your family safe.

When taking your car to a repair service, make sure that you have all documentation handy. This is important as you do not want the mechanic to do tasks that have already been performed on your car. This can help Fenton drivers save a lot of time and money with your repair. Be sure to ask lots of questions when taking your car to an auto repair service – due diligence when you want to select the best auto mechanic. You should ask about the problems you have and what to do to avoid them in the future.

Engaging in preventative measures will likely save you money down the line by selecting the best mechanic. Look for an auto repair shop that displays their certifications for everyone to see. Get a good look at it to make sure that they are current. Even if they are certified, that does not guarantee quality work, but there is a greater chance of the work getting done correctly.  Call your local MJM Insurance® of Fenton agent for a recommendation.

Know your car before taking it in for any auto repairs. If you have little knowledge on the specs of your model car, you may end up being taken for a ride without you knowing it. Read through your manual at the bare minimum before going for any larger repairs.  Ask the mechanic whether they’ve worked on your make and model car and if they’ve seen your type of problem before. If they are able to say they’ve done work on a vehicle similar to yours, then they’re probably aware of what kind of work is necessary to fix yours. Find out if they use refurbished parts or new, that will make a difference in your cost. Make sure you get a signed copy of the estimate for the repairs. You also need to make sure that the contract contains a clause that the shop must contact you before exceeding the total on the estimate. This will protect you from getting a surprise bill once work is completed.  An estimate is required if you’re filing an insurance claim for the repairs.

MJM Insurance® of Fenton Make sure that the auto repair shop you go to offers a warranty on their services. A warranty will give you the opportunity to get the problem fixed for no charge. You need to keep track of all the repairs and transactions with your garage or dealership. If you decide to file a complaint, you will need to document what happened. Keeping these documents will also help you inform buyers about the repairs you did on the vehicle if you want to sell your car.

Last but not least, be sure to verify that the shop that you is properly licensed. If they are not, there is probably a reason for it, which could range from fraud to faulty repairs. Never use a shop that does not hold all of the licenses that they should in order to operate as a business.  These Don’t hire the mechanic who diagnosed your car right away.  Get estimates from at least 3 repair shops and select the best shop and mechanic that is right for 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.