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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.

 

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.

Where To Learn More About Auto Insurance In Arnold MO | (636) 343-5000

HERE!  MJM Insurance of Fenton!

Where To Learn More About Auto Insurance In Arnold MO |   MJM Insurance® of   Fenton | (636) 343-5000There are so many resources where to learn more about auto insurance in Arnold MO – we understand it can be overwhelming.  When you search “ where to learn more about auto insurance in Arnold MO” on the internet, there are about 1,400,000 results!  That’s a lot of data!  Perhaps you should consider consulting with a friend, a family member and contact state resources.  Don’t spend your time searching, call MJM Insurance of Fenton!  We are the best place to learn more about auto insurance in Arnold MO.  Our expert agents are here to help you!

When searching where to learn more about auto insurance in Arnold 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.

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What is Uninsured Motorist Insurance in Fenton Missouri?

Don’t Take A Risk By Not Being Informed

What is uninsured motorist insurance in Fenton Missouri? | MJM Insurance® of Fenton | (636) 343-5000

MJM Insurance® of Fenton is Your Personal Insurance Advisor

There are other clauses in your insurance policy that are imperative to include so that you are properly insured. Many of our clients have asked themselves what is uninsured motorist insurance in Fenton Missouri? An uninsured motorist clause is an additional clause in an auto insurance policy that provides for a driver to receive damages for any injury he or she receives from another uninsured  driver who fails to maintain the proper insurance coverage by not having insurance or carrying inadequate insurance coverage.

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Auto Insurance Requirements in Fenton MO | (636) 343-5000

Risks You May Be Taking If You Do Not Have The Proper Coverage

What Are Auto Insurance Requirements in Fenton Missouri? | MJM Insurance® of Fenton | (636) 343-5000Many people ask themselves, “ What Are Auto Insurance Requirements in Fenton MO? “  First, and foremost, Missouri law requires that all motor vehicle owners maintain at least the state minimum auto liability insurance coverage. MJM Insurance® of Fenton agents are here to help you understand the requirements for auto insurance and the risks you may be taking if you do not have the proper coverage.

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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 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.