St. Louis Insurance Brokers and Agents
Shopping for lower cost insurance In St Louis?
I want the best price Auto and Homeowners 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 St Louis 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. As profession insurance advisors it's our job to search for affordable insurance for Missouri residents.
St Louis Insurance
Insurance agents vs. Insurance Brokers?
Captive insurance Agents represent just ONE insurance company?
Have you considered using an Independent Insurance Agent or an Insurance 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.
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?
Right in your Backyard
Insurance Brokers Group is a local St Louis agency located in Chesterfield, MO that sells and services customers across the US.
We are small enough to care about you as an individual or small business, but have the resources to help customers shop over 30 insurance companies for auto, home, business and life insurance.
Call 314-569-1010 or click for quotes online HERE
Here’s a quick TIP for someone in the St Louis area looking for an independent agent:
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 larger St Louis Insurance Brokerage.
St Louis insurance 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
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?
St Louis Insurance Brokers near me
If a friend or neighbor hasn't already referred you to a good STL Insurance Broker, Listen up.
Here's the fastest way to find local independent agents in St Louis
Click on this link
Our agency sells insurance all around the country. 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.
But, as one of the top St Louis insurance agencies we try to help folks find the best insurance, even if it's with a difference agency.
What to ask when interviewing a new insurance agent or agency
When searching online and find a local St Louis agent ask what kind of insurance they specialize in. Do the mostly focus on personal insurance, what percentage of their insurance or Personal and Commercial?
Finding an agent that meets your needs is going to be the best match.
home and auto insurance broker near me
St Louis Car Insurance
How do I find cheap auto insurance in st louis?
If you call a local St Louis car insurance agent you're going to need to call several just to get more than one quote at a time.
But, working with a St Louis Insurance Broker like Insurance Brokers Group, you'll get fast friendly service and more important cheap car insurance quotes from St Louis Insurance companies.
We specialize in Missouri car and home insurance and can provide quotes from dozens of carriers the same day.
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 your St Louis insurance 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.
St Louis Insurance Companies
Most insurance companies selling in the St Louis market have challenges with weather and crime like most larger cities, but 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. As a result if you move from the city zip codes further away from downtown St Louis you will see a lower auto insurance premium.
St Louis Home Insurance
How To Compare homeowners insurance rates in St Louis
St Louis homeowners face more difficult weather circumstances than many other states. Much due to the weather.
The extreme summer heat and bone chilling winter weather, roofs take a beating.
Living in the Heartland of America and home insurance
Chance are if you've owned a home more than 10 years in St Louis you've had a new roof installed because of hail, wind or other weather related issues.
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.
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 or agent 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.
Homeowners Insurance In St Louis MO
Because our office are located in St Louis, our first priority is the residents in St Louis and the surrounding counties in Missouri. We are STL Insurance brokers and agents for all your auto, home, life and business insurance needs.
We represent most all of the homeowners insurance companies in St Louis. What that means for the average consumer is less time needed to shop, because that's our job.
What About Earthquake Insurance
Missouri has a long history of earthquakes. We have one of the largest fault lines in the country (New Madrid) running through multiple states.
The New Madrid fault line is the most active seismic area in the United States, east of the Rocky Mountains.
Because of the potential catastrophic loss earthquake can cause on St Louis Homeowners and their property we strong recommend this coverage.
Earthquake Deductible for Homeowners Insurance St Louis
Deductibles are generally much higher vs your normal home insurance. Most home insurance companies in St Louis have deductibles between 10% and 20%. There are some earthquake carriers that will accept lower deductible to 5%, but you would need to buy a separate standalone policy through that company. We can explain more if you'd like to call us.
Remember, a deductible of say 15% on a $300,000 home policy equals a $45,000 deductible before the insurance company would start to payout for any repairs.
The cost of earthquake insurance on that same property, depending on location can run $500 to $1500 a year. The further from the fault line the lower the cost of earthquake insurance.
Do I Qualify For Earthquake Insurance For My St Louis Home?
Earthquake insurance may not be available to all homeowners
Depending on the age of your home and the building materials. Older homes and especially ones that are full masonry brick have a much higher probability of damage with even small tremors.
So, if you are looking to purchase a home in St Louis and you are concerned about earthquakes, we recommend having a conversation with your insurance advisor first to see if you qualify for coverage.
St Louis Insurance Jobs
Insurance Brokers Group, located in Chesterfield, MO is always looking for high quality individuals to help our agency grow. For consideration please contact us HERE.
Let's see if we can help you get lower insurance rates today!
Find out if you qualify for the cheapest auto insurance St. Louis, MO. Click here for best local rates