< Independent Insurance Agents in St. Louis, Missouri


Missouri Insurance agents

Shopping for lower cost insurance In St Louis?

I want the best price Auto and Home insurance in St Louis.

But, you don’t want to give up quality coverage and service.

The question is…

How do I find the best Independent Insurance agents in St Louis, with affordable insurance?

If you're in a hurry, Click HERE for Quotes or read on.

In this insurance article we'll discuss what you should be looking for in an insurance agent, the insurance company, and the coverage's you need to have.  

We are going to help you find the best options for coverage and price.

Are you Using A St Louis Insurance Agent?

What are Insurance agents?

Captive insurance Agents represent just ONE insurance company?

Have you considered using an Independent Insurance Agent or Broker?

You might be surprised.


St Louis Insurance Brokers work with many companies, which means you have more choices.

More choices equal better prices.

You know the old saying, "get at least three bids."

Well, the same thing is true with insurance. Regardless if it's auto, home, business, life or umbrella insurance. The more options or in this case, more insurance quotes the more likely you'll find better rates.

But, who has the time or energy to contact multiple insurance agents. You wind up giving the same info over and over.

In contrast, a Local insurance broker can shop multiple companies at one time, for no extra charge or fees.

Is now a good time to switch car insurance companies

How do I find the best auto insurance rates in St Louis, MO

How to Find the Best Insurance Brokers in St Louis

Now that you’ve decided to try an Insurance Broker you most likely want to work with the best.

As a result, you are now back to the question of how to find a local independent insurance agent near you in St Louis or anywhere in Missouri?

Here’s a quick TIP for someone in the St Louis area looking for an independent agent:

Go Online...

Doing a quick search for the following terms:

Insurance Brokers Near Me

Local Insurance Brokers in St Louis

Best insurance Brokers in St Louis 

These searches will bring several results. Make sure to ask the question above so not to waste your time.

To narrow the search for local auto and home insurance brokers

Specify what you are looking for. 


Auto Insurance Brokers in Saint Louis, Missouri. Or, Chesterfield, MO or whatever your city. Even include your zip code if needed.

Are you a Large commercial business?

You'll want to find a large St Louis Insurance Brokerage. Agencies experienced with handling companies with 500+ employees. Or sales exceeding $50 million or more. 

Because you'll need more than insurance products you'll also need risk management.

In this case, you'll use search terms like largest commercial insurance brokers.  

Small to Medium business:

Most local St Louis insurance brokers will have a variety of companies. Small to Medium size businesses work well with small commercial carriers, or regional carriers.

Searching online for local commercial insurance broker

Personal Insurance:

Many local brokers focus on commercial insurance. 

Make sure your Independent Insurance Agent that does at least 50% personal insurance.  This way you'll know they'll be able and interested in servicing your insurance needs.

PRO TIP – if the brokers is not selling 50% or more personal insurance they "probably" are not interested in that type of insurance.

Because large St Louis insurance brokers will only sell personal insurance as an accommodation. Selling a $100,000 commercial policy vs. $1,000 auto policy. They'll spend a whole lot more time servicing 100 personal policies vs. One big policy.

Chances are the junior trainee starting out in the insurance world will be the one working on your policy.  Review the brokers website to see if they list personal insurance as one of their many interests.  Do they lead with auto and home insurance or is it commercial and business insurance followed by personal insurance?

Find St Louis Insurance Brokers near me

If a friend or neighbor hasn't already referred you to a good St Louis Insurance Broker, Listen up.

Here's the fastest way to find local independent agents in the St Louis area:  Search online for Insurance Brokers Near Me

Our agency sells insurance all around the country. But, even we don't offer in every state. You'd be surprised how often we get calls from Hawaii, Alaska and even Canada.

As a matter of fact, the first question after hello is what state are you calling from.

To summarize: search online and ask what kind of insurance they specialize in. Or, for personal insurance, what percentage of their insurance sales are Personal vs. Commercial.

independent insurance agents st Louis mo

St Louis Car Insurance Quotes

Getting the best insurance quotes

Now that you've found a trustworthy local St Louis insurance agent, here are a few tips you'll want to follow. 

Car insurance rates vary not only by the company, but type of coverage.  

What does that mean, by coverage?

Some companies may charge more or less for liability coverage, or collision. What you'll want to do is lay out your current coverage's for an apple to apple comparison. The simplest way to do that is provide a copy of your DEC page. The Declarations page spells out all your coverage's.

Forget that companies will vary in what is charged for certain aspects of the policy. Look at the total cost per 6 or 12 months, compared to your current policy.

You also want the agent to make recommendations on your current insurance coverage. Chances are you are under insured. Or you could lower your deductible, for a minimal difference in cost.

Maybe you're paying for rental car coverage, but another company includes it automatically. Compare and ask questions, check rates and reviews online.

Any St Louis insurance broker selling personal auto insurance should be able to answer all your questions. Remember, cheap auto insurance in St Louis requires a minimum of $25,000/$50,000 liability coverage.

How Much is Car Insurance in St Louis?

Are auto insurance rates cheaper in St Louis?

St Louis and Missouri in general is the middle when it comes to auto insurance rates across the country. 

Larger cities or metro areas like St Louis will find higher premiums due to the nature of urban life.

Suburban areas of St Louis County or rural Missouri will find lower premiums.

Lower risk of theft and accident the further away from any city.

Home Insurance in St Louis

independent homeowners insurance agents near me

How home insurance rates in St Louis compare

St Louis homeowners face more difficult weather circumstances than many other states. 

Due to the extreme summer heat and bone chilling winter weather, roofs take a beating.

Chance are if you've owned a home more than 10 years in St Louis you've had a new roof installed.

hail damaged roof
Hail is the
#1 reason for roof
Replacement in St Louis.

The most frequent home insurance questions we get is: 

How much is homeowners’ insurance in St Louis?

That is a great question...

In the past 10 years we have seen the average home insurance policy in the St Louis area go from around $600 to over $1,000. The biggest reason is hail related claims. The average roof replacement is $6,000 - $8,000.

So, one of the biggest questions you should be asking besides prices is coverage.

Let me explain. There are two options when it comes to roof replacement: ACV or actual cash value or Full Replacement. ACV is the depreciated value of the roof less your deductible.

Example: Let's say you have a 10-year-old roof that has a life of 20 years. It's damage in a hail storm.

The adjuster determined it needs full-replacement. The roof would be considered 50% used or if the roof cost $6,000 to replace the insurance company would pay $3,000. Remember, you probably have a $1,500 deductible, so the net amount is $1,500 paid for your damaged roof.

Ouch, that cheap home insurance policy is going to cost you $4,500 out of pocket to replace the roof.

Instead of taking the ACV policy look for a full replacement roof policy. That same $6,000 roof would still cost you a deductible of $1,500 but that's it.

If you're using the right St Louis Insurance Broker, they'll recognize the potential pitfalls. Having the right advice could save you thousands now and in the future.

What is the Best Home Insurance Company St Louis?

The best homeowner’s insurance in St Louis is the one that will give you the best coverage's at an affordable premium.

As discussed above, make sure the Insurance Broker you work with is compatible with the type of insurance you need.  

As Auto and Home Insurance Brokers in St Louis we specialize in personal insurance in St Louis and across the country.  

Find out if you qualify for the cheapest auto insurance St. Louis, MO. Click here for best local rates

For more information on local St Louis, MO insurance agents and broker or to receive quotes call 314-569-1010 or Click for Quotes HERE.

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