Why You Should Maintain Your Insurance on Your Boat, Motorcycle or RV in St. Louis, MO

Do I Need To Maintain Insurance On My Boat, Motorcycle Or RV During Winter?

Why You Should Maintain Your Insurance on Your Boat, Motorcycle or RV in St. Louis, MOIt is a sad time of year when we have to say goodbye to long warm summer nights and hello to more moderate weather and shorter days. But, the good news is pumpkin lattes are out again.

With fewer boat, motorcycle or road trips in the RV happening in the fall and winter months, many wonder if they need to maintain insurance on these vehicles when they aren’t being driven. There are many different scenarios that warrant keeping these vehicles insured year-round so let’s take a closer look at these.

Weather Related Damages: Weather is especially nasty in the winter months so keeping your boat protected from covered weather-related damages is important. Even when stored, lightning, wind and hail can occur.

Physical Damages: It seems strange that you may be subjected to a property claim when your vehicle is not being used. However, take this simple example: You have a house party and someone wants to sit on your bike. During which, they accidentally knock it over denting your custom painted tank and scratching the paint. Your home insurance will not cover this.

Theft & Vandalism: If someone decides to steal your boat, motorcycle or RV in the winter months, you need coverage to cover the loss. Thefts occur everywhere, so even if in a secured area, vandalism can occur. Unfortunately, thieves don’t mind bad weather.

Fire: If your boat, motorcycle or RV is stored in your home or garage and there is a fire, your home insurance will not pay for damages to your vehicle. Instead, you will need a comprehensive insurance policy to cover these damages.

Financing: If you finance your boat, motorcycle or RV, your lienholder will require you to maintain insurance to protect the investment.

Multi-policy discounts: If you insure your boat, motorcycle or RV with your home or auto insurance company, you may be eligible for multi-policy discounts. By removing your insurance on your vehicle, you will raise the cost of your other policies.

Owning a boat, motorcycle or RV is a great experience for most. Don’t turn the joy of boat, motorcycle or RV ownership into a nightmare by trying to cut your insurance costs in the off-season. Protect your vehicle year-round and enjoy greater discounts on your other insurance products by bundling them together. For a quote on your insurance, give us a call. We represent the best insurance companies and can quote you different coverages, rates and apply for special discounts.

Best Place To Find An Insurance Policy in St. Louis, MO

Best Place To Find An Insurance Policy

Best Place To Find An Insurance Policy in St. Louis, MOIt isn’t uncommon for people to type into a Google search bar, “best place to find car insurance” or “best insurance rate.” There are many ways to purchase an insurance policy but there are countless benefits of buying from an independent agent.

As an independent insurance agency, we want to explain why buying your insurance policy through a company like ours is always the best option.

First and foremost: Choice. 

We represent multiple, top-rated insurance companies. Some great local ones as well as some nationally recognized names. This means you get the best coverage and pricing from many of the best companies in your state. Our licensed agents will search our network of great companies to find you the best rate and coverage on your car, home, business, or life insurance policy! One call to us can save you hours of time.

Secondly: Options.

We can discuss what coverage options we feel would be best for your specific needs. We can explain what happens when you have specific coverage options vs. not having the coverage options. We can shop your deductible and let you choose a lower or higher and show you the differences in your premium all with the click of a mouse. With this information you can make the choice on what works best for you. We always want to make sure you fully understand your options so you can make an informed choice on your insurance policy.

Thirdly: More discounts.

Being an independent insurance agent, we also will search for available discounts. Whether it is bundling multiple policies together or finding other ways to save you money, we understand saving money is important to all of our customers. We take pride in finding you discounts! If you are unhappy with your insurance price at renewal time, let us re-quote you with one of our other carriers.

Lastly, we’re local!

We work and live in your community. We are always a quick phone call or email away. If you need to add a vehicle, remove a vehicle, get a quick quote on a motorcycle or boat you’re interested in buying, or want to add umbrella insurance, we can help. You can get this information over the phone or we can email you options for you to review at your convenience.

Insurance can be confusing which is why the best place to find an insurance policy is through an independent insurance agent. We will answer your questions, provide you with many coverage choices and will find ways to make your insurance coverage affordable. Contact us by calling our office, requesting a quote through our website or simply emailing us.

Commercial Auto Insurance Agent St. Louis, MO

Things You Should Know About a Commercial Auto Insurance Policy

Commercial Auto Insurance Agent St. Louis, MOWhen many people think of a commercial auto insurance policy, they may think of big vehicles such as semi-trucks, box trucks, garbage trucks, etc. However, there are many variations of vehicles that would qualify for a commercial auto insurance policy.

How to Determine If You Need a Commercial Auto Insurance Policy

If you are using your vehicle or your employer’s vehicle for business purposes, you need a commercial auto insurance policy or endorsement. For instance, many people are working in the gig economy in jobs such as delivering food with your own vehicle or doing rideshare. It is important you have the right insurance coverage. If you do get into an accident where you are making a food delivery and damage your vehicle or someone else’s property, your standard personal car insurance policy will likely not cover you. Contact our agents with any questions you may have.

Here is a quick reference to help you determine if you need a commercial auto insurance policy:

  1. Using your vehicle to carry business equipment
  2. Freight transportation
  3. Towing vehicles
  4. Delivering food or goods (Amazon drivers, food delivery drivers, newspaper delivery)
  5. Using your vehicle to chauffeur people (Uber or Lyft Drivers, taxi service)
  6. Transporting material

How Is A Commercial Auto Insurance Policy Different Than My Personal Auto Insurance?

Since your vehicle is being used for business purposes, there are different risks that need to be insured. Additionally, the rating system used by companies is entirely different than a personal auto policy.  Each commercial policy needs vary, so have a discussion with your agent to discuss your specific policy limits. For business owners with many vehicles to insure, business auto fleet policies are available. Additionally, consider adding a commercial umbrella policy above and beyond your standard commercial auto policy to protect your business from a catastrophic vehicle accident claim.

How Much Does Commercial Auto Insurance Cost?

Just like your personal auto insurance policy, a commercial auto insurance policy is rated on many factors. Here are a few common examples of what could determine your insurance rate.

  • Driving records
  • Driver age
  • Credit history
  • The size & type of your vehicle
  • The number of vehicles you are insuring
  • What you plan to transport

Not Sure What Kind of Coverage You Need for Your Business?

That is where we can help. Our agents can help determine what type of coverage will be the best fit for your specific needs. If you plan to use your vehicle for business and personal purposes, we can help you determine an appropriate type of policy. If you are only looking to cover your vehicle for business use, we can help find you the best rate. We will explain all of your options so you understand your policy. Get a free commercial auto insurance quote by calling or emailing us.

Home Insurance Agent St. Louis, MO

Home or Lifestyle Changes During COVID-19 & How It Could Impact Your Insurance Policy

Home Insurance Agent St. Louis, MOMany people have used the COVID-19 pandemic to assess their current living situation. Whether it is finally getting to those home improvement projects, getting out in your yard or garden. Others felt inspired to make some major renovations to their homes. If you fall into this category, clearly you are not the only one making changes as you stood in line outside The Home Depot, Lowes or your local home & garden department store.

If you have made some significant updates to your home this year, it’s important to relay this information to your insurance agent.

Review the scenarios below and reach out to us if you have made any of the following changes:

  • Updated your kitchen or bathroom
  • Added square footage to your home
  • Built a detached structure such as a shop, garage or office
  • Made energy efficient improvements such as solar panels on your roof

Why Do I Need to Share This Information With My Agent?

Any major update you make to your home can impact the current value of your home. If you ever have to experience a home insurance claim, your insurance carrier has an idea how much it will cost to replace what has been damaged. As your agent, we want to make sure your home has an accurate value for your home insurance policy so you can be reimbursed at the appropriate value.

Has COVID-19 caused long term changes to your lifestyle?

With some major companies extending a work from home approach into the fall season or even the remainder of the year, some people may consider finding a way to work from home permanently. If this applies to you, you may want to create a designated home office to work from. Learn how to work from home effectively here.

If you are a small business owner who now is looking to work permanently from home, be sure to let your agent know. Some changes to your home insurance policy may be necessary.

If You Plan To Drive Less, Reach Out To Your Agent

Some people who mainly used their car to commute to and from work, may be finding they are barely using their vehicle. Reach out to your insurance agent to see if can qualify for any auto insurance discounts. Some insurance carriers can provide a discount to individuals who drive less than 10,000 miles a year.

Classic Car Insurance St. Louis, MO

What You Need To Know About Classic Car Insurance

Classic Car Insurance St. Louis, MOIf you are the lucky owner of a classic car, you can appreciate the uniqueness of the vehicle as well as cherish the nostalgia of owning it.

Classic car owners invest in classics for countless reasons. Some, purely because they like older cars versus new ones, others because they want it as an investment.  Regardless of why you choose to have a classic or antique vehicle, we’ll take you through what you need to know and understand about your insurance.

Classic Car Insurance – The basics.

Classic Car Insurance is different from a typical auto insurance policy because its premium is derived from being driven primarily on occasion, not as a daily driver. Some insurance companies specialize in insuring just classic cars and will ask you how often you drive the vehicle and how many miles per year you plan to put on it.

If you plan to use your vehicle for daily driving, you’re probably better off getting a normal auto insurance policy. In fact, many carriers will require that this be a secondary or occasional use vehicle in order to get a policy.

Classic Car Insurance – The Coverage

The biggest difference between a classic car policy and a standard car insurance policy is Agreed Value. Many carriers offer Agreed Value meaning you both “agree” on a value for the vehicle. For instance, if you have a 1965 Mustang, you can choose to insure it for $25,000. The insurance company then produces a price based off of your value. This Agreed Value is typically based off of the cars condition, improvements and other modifications or restorations. Not all 1965 Mustangs are worth $25,000 so your values can vary.

What Cars Qualify as “Classics?”

The definition of a Classic is constantly changing. In fact, some more modern vehicles may be considered classics because they’re “Day One Editions” or other limited production runs. The typical “20 years” doesn’t really apply anymore because not many model year 2000 vehicles are really classics. Your agent can help assist you in finding a policy that’s the right fit.

How Much Is Classic Car Insurance?

Classic Car Insurance is typically less expensive than the standard auto insurance policy. Because the vehicle isn’t driven every day and often time requires that the vehicle be stored inside of a garage – protected.

To find out what coverage might be right for your vehicle or to see if you qualify for a Classic Car Insurance Policy, contact our insurance agency. Our agents can help you identify savings as well as ensure you get the right coverage for your classic auto.