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Best Local Car Insurance Agencies in Ofallon

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Alternatives Insurance® - O'Fallon logo
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Alternatives Insurance® - O'Fallon

206 West Terra Lane, O'Fallon, MO 63366
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  • RV & Motorhome
  • Motorcyle & ATV
  • Boats

Business Description

Alternatives Insurance® is an independent insurance agency that serves clients in and around O'Fallon. The company has examined and reviewed car insurance policies since 1992. Its agents look for plans that include liability coverage, collisions, and other risks like weather or theft. They also process paperwork such as claims and declarations of policies to carriers like AAA, Safeco, and Kemper Preferred. The company's other services cover medical and commercial concerns such as vision, dental work, and auto fleets.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.9 / 5 (23)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Insurance Consultants Inc. logo
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Insurance Consultants Inc.

427 West Terra Lane, O'Fallon, MO 63366
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  • Multiple Carriers
  • RV & Motorhome
  • Boats
  • Motorcyle & ATV

Business Description

Insurance Consultants Inc. is an independent agency based in O'Fallon that offers auto insurance products and services to clients within the nearby areas. It represents over 30 carriers, including Safeco, Travelers, Allied Insurance, State Auto Insurance, and Progressive. The company's insurance specialists strive to educate the clients about the insurance coverages that will protect them against financial losses resulting from an accident. Additionally, Insurance Consultants offers motorcycle, boat, and RV insurance.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Kathy Kilo Peterson logo
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Kathy Kilo Peterson

2342 Technology Drive, O'Fallon, MO 63368
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  • Boats
  • Motorcyle & ATV

Business Description

Kathy Kilo Peterson is a local insurance agent in O'Fallon that represents State Farm. She provides auto insurance products that protect clients and their vehicles from unforeseen expenses caused by collisions, natural disasters, and losses. Coverages are available for motorcycles and boats as well. Peterson, an inventor with two US patents, has been with State Farm for over 20 years. She also offers protection plans for homes and properties, businesses, life, health, and pets.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (62)
Facebook
5.0 / 5 (9)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
McMullen Family Insurance logo
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McMullen Family Insurance

6 Rustler Ct, O'Fallon, MO 63368
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Business Description

McMullen Family Insurance is a personal insurance company that serves the O'Fallon metro and nearby communities. The family-owned agency assists individuals and families in protecting themselves, their loved ones, and their vehicle assets from unwanted losses with an auto insurance policy. Its independent insurance agents represent multiple carriers and choose the best policy that suits the lifestyle and resources of their clients. The company also provides home and auto bundles to residential customers. The company serves clients 24/7.

Mid America Insurance Services, LLC logo
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Mid America Insurance Services, LLC

2017 Highway K, O'Fallon, MO 63366
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  • Multiple Carriers
  • Bundling Option

Business Description

Mid America Insurance Services, LLC is an auto insurance provider serving O'Fallon and nearby areas for over 22 years. The company provides customer service that is customized to every personal or commercial client. It has property coverage for theft or physical damages on a car, liability coverage to pay for legal damages caused to another's property, and medical coverage to pay for hospital bills, therapy, lost wages, or funeral fees. It uniquely offers young drivers insurance and also insures drivers with a history of DWI or DUI.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Mid-America Specialty Markets - O’Fallon MO logo
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Mid-America Specialty Markets - O’Fallon MO

1656 Bryan Road, O'Fallon, MO 63368
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  • RV & Motorhome
  • Boats
  • Motorcyle & ATV

Business Description

Mid-America Specialty Markets is an insurance agency operating out of O'Fallon that provides personal and commercial insurance products to residents in the metro. The company is composed of agents and staff with over 150 years of combined industry experience. They write car insurance policies that provide necessary coverage from collisions, legal liabilities, medical expenses, and property damages. The firm also deals with other insurance packages for high net-worth clients, senior citizens, and specialty vehicles.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (25)
Facebook
5.0 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Midwest Agency - O'Fallon logo
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Midwest Agency - O'Fallon

8917 Veterans Memorial Parkway, O'Fallon, MO 63366
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  • Boats
  • Motorcyle & ATV

Business Description

Midwest Agency is an independent insurance agency in O'Fallon that offers personal and business insurance products to residents in the metro and nearby areas. Auto insurance is required in the state of Missouri and the company provides auto insurance policies that fulfill the minimum required coverage for personal injury liabilities as well as property damages. The policies can also be customized to include medical payment coverage, comprehensive coverage, and rental reimbursements.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.9 / 5 (24)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Senn Insurance Agency logo
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Senn Insurance Agency

124 Triad Center West, O'Fallon, MO 63366
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  • Multiple Carriers

Business Description

Senn Insurance Agency has been providing insurance solutions to the communities of O'Fallon and the surrounding areas since 2010. The firm provides both personal and commercial lines. Its team of insurance professionals is trained to offer auto insurance, home insurance, life insurance, and commercial insurance products. Its specialists can quote and write policies for all sorts of vehicles and can review the existing policies of newly purchased cars. In this process, clients will not only be insured but may also maximize their savings.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (26)
Google
5.0 / 5 (14)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Wessell Insurance Services, LLC logo
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Wessell Insurance Services, LLC

1676 Bryan Road, O'Fallon, MO 63366
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  • Multiple Carriers

Business Description

Since 2005, Wessell Insurance Services, LLC, has been providing auto insurance products to drivers near O'Fallon. Representing insurance carriers such as Dairyland and Progressive, the agency places clients with the best insurance company that will fit their needs while remaining as their personal agent in the policy. Along with offering auto, non-owner, and motorcycle insurance, it specializes in assisting clients to meet their required state financial responsibility and restore their state license privileges through SR-22, FR44, and SR50 insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

Introduction

A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

What is car insurance?

Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.

How does car insurance work?

Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.

What does car insurance cover?

Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.

Does car insurance cover theft?

Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.

How does a car insurance deductible work?

A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.

Do you need insurance to register a car?

Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.

Can you get car insurance without a license?

In most states in the United States, a license isn't required to purchase car insurance. This means that an unlicensed driver can purchase a policy for a licensed driver. However, most insurance companies won't allow an unlicensed driver to be listed on a policy, either as a primary or a secondary driver.

Do you need car insurance?

Yes. Car insurance isn't optional, and neglecting to purchase and maintain a minimum level of coverage can result in penalties, such as the suspension of your vehicle registration or driver's license. In addition, the cost of a car accident can add up to tens of thousands of dollars, which can be an unsustainable burden without insurance.

How much is car insurance a month?

Car insurance costs depend on factors such as where a person lives and their driving history. Drivers living in states with high insurance rates who've had accidents will pay more than drivers with clean records living in lower-cost states. In general, monthly car insurance costs can range from $50 to $500 or more.

Why is my car insurance so high?

Car insurance can be expensive for many reasons. Unsafe or expensive cars, a history of accidents, DUIs, and having multiple cars and drivers on a policy can all lead to higher monthly costs. Driver age may also play a role. For example, teens are more expensive to insure than adults.

How can I get lower car insurance?

Getting lower-cost car insurance may be possible depending on your personal circumstances. To find a cheaper policy, drivers are encouraged to get prices from multiple companies, bundle car insurance with home insurance, or use monitoring devices to demonstrate safe driving.

Do you need insurance to rent a car?

In most areas, car insurance isn't required to rent a car. However, most personal car insurance policies extend to rental vehicles. For those who don't have insurance coverage and want to stay protected, most car rental agencies offer supplemental insurance coverage for an added fee.

Does my car insurance cover rental cars?

Most car insurance policies do cover rental cars. However, this coverage isn't universal. Before renting a car, it's recommended that you check your policy details or speak to your insurance agent to be sure rental car coverage is included at an appropriate level.

Can I insure a car not in my name?

In most states, it's possible to insure a car that isn't registered in the name of the policyholder. This commonly occurs when a parent purchases and insures a car for an adult child. However, many states and insurance agencies require the policyholder to have a financial stake in the vehicle they're insuring.

Can you cancel car insurance at any time?

In general, it's possible to cancel car insurance at any time, provided proper notice is given. Notice requirements are outlined in policy documents. Unlike health insurance that can require personal circumstance changes or a specialized enrollment period, auto insurance policies can be canceled or adjusted at any time.

How can I change car insurance?

Changing car insurance is as easy as notifying your current car insurance company and purchasing a new policy from a different agency. Even policies that have been paid up front can be canceled, and companies will issue a refund for any time remaining on the policy term.

How do you become a car insurance agent?

In most states, working as a car insurance agent requires having a state license for selling insurance products. Generally, this process involves taking classes and earning a passing score on a licensing exam. Some agencies may allow individuals to shadow or assist current agents while working on their licensing requirements.

How do car insurance agents get paid?

Most car insurance agents are paid on a commission basis. This means they receive a percentage of the amount their clients pay for their insurance coverage. Some agents may also earn a flat salary. Commissions range from 5% to 20%, on average, but this can vary based on the company or policy type.

How much do car insurance agents make?

Car insurance agent earnings depend on commission percentages, any base salary in addition to commission, sales proficiency, and sales experience. According to the Bureau of Labor Statistics, the average insurance sales agent makes around $52,000 per year. This may vary from state to state and company to company.

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