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Dump Truck Insurance in Des Peres Missouri

How Do You Get The Help You Need To Choose The Right Insurance For Your Business?

Dump Truck Insurance in Des Peres Missouri | Alternatives Insurance of Des Peres | (314) 822-0100Alternatives Insurance of Des Peres is a full service insurance agency that has  years of experience with Dump Truck Insurance in Des Peres Missouri.   Our insurance agents will shop your dump truck insurance and save you time and money by comparing rates from multiple insurance companies.

Our licensed agents work with dump truck private contractors, those who owns a single dump truck, and business owners who own a full fleet of heavy-duty commercial hauling vehicles.  We work with our carriers to insure Super Dump Trucks, Heavy Duty Haulers, Salt, Sand and Gravel Trucks, Six and Ten Wheelers, and more.

Individually owned trucks or corporate vehicles that are used on the roads and highways of the United States are required to carry commercial auto insurance; especially if they are used for hauling cargo for reasons of commerce.  Commercial insurance is perfect for dump trucks, car haulers, logging trucks, fleets of small vans, refrigerated trucks, and flat bed semi-trucks.

Dump truck drivers should have at least the mandatory coverage required to operate commercial vehicles.  The basic policy should include bodily injury and property damage liability coverage amounts required by Missouri law.  The current minimum requirements are:

  • Freights – $750,000 to $5,000,000; depending on what is being transported
  • Vehicles weighing less than 10,001 lbs. – $300,000; transporting non-hazardous freight
  • Passenger vehicles – $5,000,000
  • Passenger vehicles with a seating capacity of 15 passengers or fewer – $1,500,000

Premium costs are affected by many factors, including the type(s) of vehicle(s) you own and the risks for potentially large liability claims involved in commercial incidents.  Additionally, Dump Truck Insurance Cost can vary based on a number of factors that the Dump Truck Insurance in Des Peres Missouri | Alternatives Insurance of Des Peres | (314) 822-0100Department of Insurance considers.  These include:

  • The dump truck itself,
  • what you’re hauling,
  • where you’re hauling,
  • the driving records of whomever is driving the dump truck,
  • personal items anyone may be carrying in the cab, and
  • the length of time a driver has been operating the type of dump truck they want to insure.

Average Commercial Vehicle Insurance Rates*

  • Commercial car insurance cost: $1,200 to $2,400
  • Commercial truck insurance cost: $800 to $2,000
  • Commercial taxi insurance cost: $5,000 to $10,000
  • Commercial bus insurance cost: $35,000
  • Commercial tractor trailer insurance cost: $2,500+

*According to the Trusted Choice Network

Commercial Insurance Discounts

When our agents are shopping your Dump Truck Insurance we consider special rates relating to driving history, the experience of the drivers, and the business uses of the commercial vehicles.  We also consider general vehicle insurance discounts and savings that are specific to dump trucks, tractor trailers or other trucks you may use.

Dump Truck Insurance in Des Peres Missouri | Alternatives Insurance of Des Peres | (314) 822-0100You may benefit from one or many of the following commercial insurance discounts:

Commercial Driver’s License  –  Business Experience

Loyalty Discounts  –  Multi-Policy Discount  –  Higher Deductibles

Pay in Full Discount  –  Pay By Electronic Funds Transfer (EFT)

Federal Liability Limit Minimums for Commercial Vehicles

department of transportation logoAlternatives Insurance of Des Peres goes above and beyond most insurance agencies.  We know Dump truck owners are required to have a financial responsibility filing that shows proof they are properly insured to protect them and other drivers from high-risk situations.  Our agents  have the knowledge to assist drivers with the state and federal commercial auto insurance filings and will be happy to process the required state filings on your behalf.

So, what are you waiting for?  Contact one of our licensed insurance agents to schedule a free insurance evaluation or call now (314) 822-0100

 

Tow Truck Insurance in Des Peres Missouri

Alternatives Insurance of Des Peres is Your Towing Insurance Partner

Tow Truck Insurance in Des Peres Missouri |   Alternatives Insurance of Des Peres | (314) 822-0100Alternatives Insurance of Des Peres helps tow truck business owners and operators with their transportation insurance needs.  Our professional agents have the knowledge necessary to help to truck owners and operators understand the different options, and requirements, for Tow Truck Insurance in Des Peres Missouri.  We work with a variety of towing service companies throughout the Des Peres area including Saint Louis and Jefferson counties, Chesterfield, High Ridge, Arnold, Imperial, Valley Park, Ballwin, Eureka, Pacific, House Springs, Hillsboro, Sunset Hills and St. Clair.

Tow truck service companies and individual owner operators MUST carry tow truck insurance. Failure to keep the minimum insurance requirements on your tow truck could result in fines and/or you could have your commercial driver’s license suspended. Our agents can help you get on track so you do not risk losing your livelihood.  As a your partner, it is important to make certain you and your business are protected if there should be an accident.

We will shop your Tow Truck Insurance in Des Peres Missouri!

For current business owner and operators, our agents will begin by reviewing your existing tow truck insurance policy and assess any potential risks.  A Towinig Insurance policy should include the standard forms of liability insurance that all motor vehicle owners are required to carry by Missouri law.  Standard insurance coverages include Bodily Injury, Property Damage, Collision and Comprehensive, and Uninsured/Underinsured Motorist Coverage.

Consider this scenario for example:

Employee #1, a 42-year-old male tow truck driver, had loaded a vehicle onto a flatbed truck by pulling the car onto the bed using the truck winch. When the employee attempted to disengage the vehicle from the winch, the steel cable snapped and the vehicle fell down onto the bed. The employee’s left arm was crushed by the vehicle’s front tire as the vehicle fell.  The employee was transported to a local hospital, where he underwent surgery for a fractured left forearm.

Employee #1 is a W2 employee for a vehicle towing service company.  How will the employee afford to pay his/her medical bills in this case? What if the employee is put on temporary disability?  If the vehicle was damaged during the tow, who will pay for the vehicle that was damaged?  As your agent we look at the overall big picture.  There is much more risk to owning and operating a tow truck business than most realize.

Our agents can help you identify specialized Towing Insurance coverages
that your business may require.

 

On-Hook Towing Insurance

Tow Truck Insurance in Des Peres Missouri |   Alternatives Insurance of Des Peres | (314) 822-0100This coverage will help pay for damages to vehicles you are towing.  The on-hook coverage is generally provided by the garage keepers’ legal liability (GKLL) endorsement (see below). The GKLL limit is a blanket limit that applies to all towing vehicles on the policy.

 

Garage Keepers Legal Liability InsuranceTow Truck Insurance in Des Peres Missouri |   Alternatives Insurance of Des Peres | (314) 822-0100

This will cover vehicles you are storing for clients.  The GLL insurance is usually provided as an automatic endorsement that is added to the Business Auto coverage. This liability coverage covers loss of, or physical damage to vehicles being towed, and while in your care, custody, or control and is designed for towing and wrecker service businesses.  As mentioned above, the on-hook coverage of garage keepers’ legal liability insurance provides coverage for a non-owned vehicle that you are towing.

 

Motor Truck Cargo InsuranceTow Truck Insurance in Des Peres Missouri |   Alternatives Insurance of Des Peres | (314) 822-0100

Motor Truck Cargo insurance is provided via an endorsement to insure items other than motor vehicles licensed for road use.  This coverage provides legal liability for towing companies while transporting property (cargo) of others.  Since the towing operator is seen as a common carrier, they are responsible for the safe delivery of the goods they are transporting (customer’s vehicles and the contents of the vehicle), and thus owe a very high degree of care to their customer.

 

Business Income & Extra Expense InsuranceTow Truck Insurance in Des Peres Missouri |   Alternatives Insurance of Des Peres | (314) 822-0100

Business income insurance & expense coverages will reimburse your towing business for loss of income and profits if your property is damaged from a covered peril and out-of-service.  The coverage continues until the property can be restored or replaced, or until the limit has been reached. The extra expense coverage includes extra expenses that business must make during the time of loss such as rent, mortgage payments, taxes, and utility services.

 

Miscellaneous Property FloaterTow Truck Insurance in Des Peres Missouri |   Alternatives Insurance of Des Peres | (314) 822-0100

A miscellaneous property floater covers your business personal property that is in transit such as tools and other cargo that you have in your tow truck. This coverage will protect against risks of direct physical loss or damage to your scheduled covered property.

 

 


Tow Truck Commercial Insurance Filings

Because the transportation industry requires different trucking operations to file different documentation, our agents are here to help our clients with the State and Federal Transportation Insurance Filing Forms including those listed below.

Before diving into the different requirements, understanding the following definitions may help you get a clearer picture of these requirements:

  • Motor carrier – A company that transports passengers or property for compensation.
  • Freight forwarder – An individual or entity that provides transportation of property AND:
    • Assembles and consolidates shipments and performs distribution operations of the shipments.
    • Assumes responsibility for the transportation from the place of receipt to the place of destination.
    • Uses a rail, motor carrier, or water carrier for any part of the transportation.
  • Freight broker – An individual or company that arranges transportation of property by a motor carrier.

 

Federal & Intrastate Truck Filings and Forms

BMC-32 filing   |   BMC-34 filing   |   BMC-91 & BMC-91X filing   |   MCS-90 form   

Form E filing   |   Form F filing   |   Form H filing   |   Form K filing

 


Tow Truck Insurance Resources

 Federal Motor Carrier Safety Administration    |    www.fmcsa.dot.gov

US Department of Transportation    |    www.dot.gov

The National Transportation Safety Board    |    www.ntsb.gov

Directory of State Patrol and State Police    |    https://www.statetroopersdirectory.com

Missouri State DOTs and MVRs    |    www.modot.orgwww.dor.mo.gov/mvdl

Tow Truck Insurance in Des Peres Missouri |   Alternatives Insurance of Des Peres | (314) 822-0100

Alternatives Insurance of Des Peres is a supporting member of the Missouri Association of Insurance Agents and committed to the Trusted Choice Pledge.  Our agents go above and beyond just insurance – we help our clients understand the options available to protect their investment … and we work to earn the trust of our clients.

If you have been search for Tow Truck Insurance in Des Peres Missouri, your search is over!

Contact us today for a free evaluation of your current Tow Truck Insurance policy.

Trucking Insurance Coverages in Des Peres Missouri

Alternatives Insurance of Des Peres Will Provide You with Information You Need to Make an Informed Decision

87279bfc3061a0f84631426f_1920Alternatives Insurance of Des Peres is a leader in providing Trucking Insurance Coverages in Des Peres Missouri.  Our licensed agents have more than 60 years combined experience that we put to work for you!

Alternatives Insurance of Des Peres can help you protect your source of revenue, with coverages designed for professional truck drivers and trucking operations. We offer transportation insurance for most types of trucks, including Box trucks, Semi trucks, Flatbed trucks, Front loaders, Tank trucks, Tractors, Dump trucks, Auto hauler trailers, Garbage trucks, Pickup trucks, Flatbed trailers, and more.

Because trucking is a unique industry, insurance carriers offer different types of risks.  Additionally, the Federal Motor Carrier Safety Administration has specific insurance requirements for tractor trailers.   Our agents have access to multiple carriers that offer exclusive coverages and options to choose from. We can shop your insurance for you and find a company that is competitive with your specific insurance situation.

There are many optional Trucking Insurance Coverages in Des Peres Missouri to choose from.  The following is a brief list of trucking insurance coverages we will discuss with you:

General Liability Insurance – covers damages to another person resulting from an accident you cause.  Coverages Include:

  • Bodily Injury and Property Damage Liability
  • Personal Injury and Advertising Injury Liability
  • Medical Payments
  • Products / Completed Operations
  • Damage to Premises Rented to You – Note: Coverage available for 7 days or less

Primary Liability Insurance – covers the damage you might do to other people or property.  Primary Liability Insurance does not cover you or your truck, theft or bodily injury.  Click here to learn about the minimum amount of primary liability insurance that is set by the Federal Motor Carrier Safety Administration.

Trucking Insurance Coverages in Des Peres Missouri | Alternatives Insurance of Des Peres | (314) 822-0100Motor Truck Cargo Coverage – provides insurance on the goods hauled by a For-hire trucker. It covers your liability for cargo that is lost or damaged due to causes such as fire, collision, or striking of a load. If you are in an accident, commercial cargo insurance will pay for destruction or damage to the load that is being carried.

Removal Expense Coverage  – protects you if your load is accidentally dumped on a roadway or waterway. The coverage pays for the cost to remove debris or extract pollutants caused by the debris.

Sue and Labor Coverage  – pays for costs related to preventing further loss to damaged cargo, legal expenses in the defense or settlement of claims.

Earned Freight Coverage – pays for the freight charges the customer loses because of not delivering a load.

Our agents will sit down with you to discuss the different Trucking Insurance Coverages in Des Peres Missouri and help you determine what best meets your situation.  Additional coverages include:

  • Workers Compensation
  • Medical Payments
  • Uninsured Motorist
  • Physical Damage
  • Trailer Interchange
  • Trucking Umbrella
  • Bobtail Insurance and Non Trucking Liability Insurance

As your partner in business, Alternatives Insurance of Des Peres is dedicated to providing you with the right transportation insurance solutions. Whether you are an owner-operator or manage a full fleet,  give us a call for a free consultation on your trucking business.  (314) 822-0100

Additional Resources:

Missouri Department of Transportation

Missouri Department of Motor Vehicles

Missouri Trucking Association

Missouri Department of Insurance

Federal Motor Carrier Safety Administration

Missouri Trucking Guide

 

 

 

Livery Insurance Coverages in Des Peres Missouri

There are a Variety of Coverages to Consider When Purchasing Limo and Taxi Insurance

Livery Insurance Coverages in Des Peres Missouri | Alternatives Insurance of Des Peres | (314) 822-0100Alternatives Insurance® of Des Peres is devoted to our clients and our commitment includes helping our clients stay of the insurance requirements for Livery Insurance Coverages in Des Peres Missouri.  Livery Insurance Coverages in Des Peres Missouri are required for limo and taxicab companies, whether they are individually operated, or a large fleet enterprise.

There are many insurance coverage features available to protect your business and it is our responsibility to ensure we can find the right insurance package that meet our clients’ needs.  Below is a list of some of the coverages…. but not all the coverages… that our agents will explain and discuss with you.

  • Uninsured/Underinsured Motorists – Provides coverage if you are involved in an accident in which the other driver was at fault, and they did not have adequate coverage to pay the cost of damages. Missouri law also requires you to have uninsured motorist coverage of $25,000 for bodily injury per person and $50,000 for bodily injury per accident.
  • Medical Payments – Bodily Injury will cover victims if property damage or injuries occur if the limousine driver is at fault. Property damage liability will cover the cost if damage occurs to things, such as a garage, mailboxes, or fences.
  • Personal Injury – This type of protection covers the cost if there is an accident with injuries. This will cover part of medical costs, rehabilitation bills, funeral expenses, and lost wages at work. If a pedestrian was injured, this type of coverage will pay their expenses, and it does not matter whose fault the accident was.
  • Physical Damage – Covers the cost if there is a collision with an object. Comprehensive insurance covers damage that occurs as a result of fire, rocks, animals, etc.
  • Employment Practices Liability – If a limousine operator is accused of things such as sexual harassment, wrongful termination or discrimination, this type of insurance will protect the business.

It is our job to stay educated by the latest trends and pricing tiers in the transportation insurance industry.  We understand obtaining Livery Insurance Coverages in Des Peres Missouri can be complicated, and we are here to help!

Livery Insurance Coverages in Des Peres Missouri | Alternatives Insurance of Des Peres | (314) 822-0100Alternatives Insurance® of Des Peres aims to protect our clients and their businesses by providing a proactive approach to their insurance needs.  Our licensed agents have an abundance of knowledge in the transportation industry and are well-qualified to handle Livery Insurance Coverages in Des Peres Missouri.  Our agents have direct appointments with several insurance carriers where we can shop for you to find the best coverage at the best price.  We take the time to analyze the customer’s business type, insurance business needs and state-mandated requirements, and explain them in a language our clients can understand.

Before your appointment, make sure you have details of your business so we can get the most accurate Limo and Taxi Livery Insurance Quote.  The following is a list of items you will need to begin a Limo and Taxi Insurance Quote:

  • Complete vehicle description including the model, year, ID number, and serial number.
  • Use of the vehicle and geographical location of customer base.  (<50 miles, >100 miles, etc.)
  • Actual cash value of the vehicle as is, and the cost to buy a new vehicle.
  • Garaging location and the description of garaging location.
  • A list of all drivers’ name, age, state, license number and acceptable MVRs.
  • Loss information for past three years.
  • Documented risk management procedures for loading, unloading, and passenger safety

We do not perceive our clients as a sale. We continue to serve our clients and review your needs from time to time to ensure you continue to carry the best coverage that meets your needs.  Call us today to begin a prosperous, long term relationship with experts in Livery Insurance Coverages in Des Peres Missouri.  For a fast quote call (314) 822-0100.

Where to Learn More About Auto Insurance in Des Peres MO

Alternatives Insurance® of Des Peres Has The Answer!

Where to Learn More About Auto Insurance in Des Peres MO | Alternatives Insurance® of Des Peres | (314) 822-0100

Sometimes we can get inundated with information from insurance companies.  The best price, the best carriers, multi-discounts, etc.  In the new age of the internet we have access to resources that can help us find where to learn more about auto insurance in Des Peres MO – we understand it can be overwhelming.  Did you know, when you search “ where to learn more about auto insurance in Des Peres MO” on the internet, there are about 3,660,000 results!  That’s a lot of information at your fingertips!  Don’t waster your time sifting through a ton of information and trying to decipher what is right for you – call Alternatives Insurance® of Des Peres!  We are the best place to learn more about auto insurance in Des Peres MO.  Our expert agents are here to help you!

When searching where to learn more about auto insurance in Des Peres 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.

The Missouri Department of Insurance also offers detailed information about companies regulated by The Missouri Department of Insurance, Financial Institutions and Professional Registration (DIFP).  Here you can also verify that an agent or company is properly licensed, as well as providing contact information for that company.  You can also subscribe to DIFP’s newsletter that is chocked full of information for the consumer.

When searching where to learn more about auto insurance in Des Peres MO, be sure to investigate the company.  Some of the things you should be looking for is how much business the insurance company produced last year and if they’ve had any complaints.   There are thousands of free and subscription websites that offer a range of information, including reviews, reports, directories, listings, and gripe sites. The Better Business Bureau is the one place you can find it all.

Alternatives Insurance® of Des Peres takes pride knowing our professional staff provides exceptional service and value to our clients.  We combine years of experience,top-rated companies and products to provide you with accurate information while shopping for you. You save time and money and get the best value for your Des Peres Missouri insurance needs.

This blog and our site are dedicated to providing useful Missouri Insurance and Financial Services information and resources.   Below  is a summary of our resources:

  • Blog Post are segmented by Categories which are links found on the right sidebar.
  • Relevant Insurance and Financial Services Authority Sites are also links on the right sidebar.
  • Relevant Feeds of Summary Articles from Authority Sites are on the right sidebar.
  • Authority Links are often found on individual Posts as referenced documentation.
  • Quotes–get a free, no obligation risk assessment and  quote—Call or eMail a request.
  • Client Services–From Claims to Policy Changes–click Client Services tab on the top Nav Bar.

Alternatives Insurance® of Des Peres is where to learn more about auto insurance in Des Peres MO.  Contact us today for your free assessment.

What are Auto Insurance Requirements in Des Peres MO?

Avoiding the Risk of Financial Loss

What are Auto Insurance Requirements in Des Peres MO? | Alternatives Insurance® of Des Peres | (314) 822-0100Many drivers are unaware of the insurance requirements in Des Peres Missouri and begin to search online for “ What are Auto Insurance Requirements in Des Peres MO? “   Alternatives Insurance® of Des Peres agents are here to help you understand the requirements for auto insurance and the potential danger if you do not have the proper coverage.

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Where to Buy Auto Insurance in Des Peres Missouri

The Best Value and Customer Service

Where to Buy Auto Insurance in Des Peres Missouri | Alternatives Insurance® of Des Peres | (314) 822-0100So you here several commercials everyday on where to buy auto insurance in Des Peres Missouri. But are you getting a local agent or are you talking to an 800 number?  Alternatives Insurance® of Des Peres is a locally-owned, full service Independent Insurance Agency representing many of Missouri’s premier personal and commercial lines insurance carriers.

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Auto Insurance Coverages Des Peres MO

Alternatives Insurance® of Des Peres Will Shop Insurance For You!

Auto Insurance Coverages Des Peres MO | Alternatives Insurance® of Des Peres |  (314) 822-0100

 

Auto Insurance doesn’t have to be confusing!   We know searching for ” Auto Insurance Coverages Des Peres MO ” can be a daunting task for many people, that is why agents at Alternatives Insurance® of Des Peres are ready to help!  There are hundreds of auto insurance companies that offer a variety of discounts, benefits and options.  Alternatives Insurance® of Des Peres shops the insurance companies to get you the right coverage for your needs.

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Auto Insurance Quote Des Peres MO

If you have you been searching online for the best “Auto Insurance Quote Des Peres MO”, your search is over!

Auto Insurance Quote Des Peres MO | Alternatives Insurance® of Des Peres | (314) 822-0100Alternatives Insurance® of Des Peres is a full service Independent Insurance Agency that represents many of Missouri’s premier insurance carriers. Alternatives Insurance® of Des Peres can provide you with the best Auto Insurance Quote Des Peres MO.  Serving all surrounding counties including Affton, Shrewsbury, Maplewood, Crestwood, St Louis Hills, Central West End, University City, and Clayton.  Our professional insurance agents at Alternatives Insurance® of Des Peres can help you get the best value for your auto insurance needs.

We proudly represent many of the industry’s leading national and regional insurance companies offering competitive rates through AAA, Travelers, Safeco, EMC, Kemper Preferred, Progressive, The Hartford, West Bend, Chubb and dozens more.  Des Peres Missouri Auto Insurance coverages have many components and rates vary from company to company. Sometimes insurance companies have better rates or offers in certain demographics. Just because your current carrier offered the best price 2 years ago doesn’t mean they are still the best buy.

The best car insurance purchase decision is often made with the help of a local, professional insurance agent. Insurance protection is different for every driver and each type of vehicle. 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 – for example New York or Los Angeles – will pay more than someone who lives in a small town, despite the two having the same driving records.

Insurance rates vary by many factors, and we highly recommend you to discuss the options with your Alternatives Insurance® of Des Peres agent. As your life transitions, you should also review your auto insurance coverages. With all the variables in auto insurance rating tiers, you may not be protected properly or not paying the best price for the coverages you need. You should discuss any life changes with your agent – it could cost you more money in the long run, or you could receive substantial discounts. The types of life changing events include marital status, credit score, safe driving, or just the opposite, recent traffic violation, a change in the number or types of vehicles you own, and more.  You owe it to yourself to purchase the best coverage for the best price.

Alternatives Insurance® of Des Peres 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.Auto Insurance Quote Des Peres MO | Alternatives Insurance® of Des Peres | (314) 822-0100 Our professional agents can handle your transactions with ease and can help you understand your risks, the proper coverage, and benefits.

Our dedication to client service comes from a culture of professionalism and respect. All of our associates at Alternatives Insurance® of Des Peres have strong credentials and stay on top of current trends in the insurance industry.  We can find the best Auto Insurance Quote Des Peres MO can offer.

Alternatives Insurance® of Des Peres has strong relationships with insurance carriers, allowing us to provide quick turnaround time on all your questions, needs, and insurance claims.  We train our staff members to be proactive and provide the right answers, helping our customers understand their insurance coverages.

Trust is the most important attribute in our agency.  We earn your trust by becoming your partner and ensure we listen to our customers and provide top notch service. 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.

Your search for “Auto Insurance Quote Des Peres MO, is over.   Welcome to Alternatives Insurance® of Des Peres.

Stop by and visit Alternatives Insurance® of Des Peres or call to get the most affordable Auto Insurance Quote in Des Peres MO.  Agents are available for after hours appointments and Saturdays.  Call (314) 822-0100

Auto Insurance Agent Des Peres MO

If You Have Been Searching Online For A Reputable “Auto Insurance Agent Des Peres MO”

YOUR SEARCH IS OVER!

Auto Insurance Agent Des Peres MO | Alternatives Insurance® of Des Peres | (314) 822-0100Often times our agents meet potential customers who have had an insurance agent for years and whom they have never met.  It is shocking to me that people put their life in the hands of a stranger and have no personal connection or relationship with their Auto Insurance Agent Des Peres MO. Alternatives Insurance® of Des Peres agents pride ourselves on the fact that we take great interest in our clients’ and their family’s well-being. It is important that our clients trust the staff and licensed agents of our company.

We sit down with our clients and give a comprehensive account review to make sure they have the best protection.  We explain the coverage options, benefits, and potential risks based off their needs versus current their current insurance coverages. We take the time to walk our client’s through every step of the decision process to make their experience as educational and informative as possible.

With more than 60 years of insurance experience, Alternatives Insurance® of Des Peres is a full service Insurance Agency in Des Peres Missouri. The agents of Alternatives Insurance® of Des Peres are fully licensed and comply with the Missouri Bureau of Insurance requirements.  Auto Insurance Agents are required to maintain education requirements and complete courses approved by the Missouri Insurance Department.  All of our agents throughout the company are compliant and ready to work for you.  We serve all of Des Peres, including Saint Louis County, Ballwin, Manchester, Creve Coeur, Glencoe, Wildwood, Town and Country, Frontenac, and Ellisville.

So–if you are looking for an Auto Insurance Agent in Des Peres MO, you need look no further. Our Agents are dedicated to providing every client with Des Peres auto insurance coverages that are tailored to fit their individual needs. We provide the tools and resources necessary to help you understand your options.  Alternatives Insurance® of Des Peres pride ourselves on the fact our clients trust the staff and licensed agents of our firm. Year after year, our team continues to review, improve, and renew our products about the agency; in addition to maintaining relationships with our valued carrier partners.  Our exceptional efforts and commitment ensure our clients’ fundamental insurance needs are met completely, competitively, proudly and locally by the staff at Alternatives Insurance® of Des Peres.

Alternatives Insurance® of Des Peres agents are advisors you can trust.  We have access to the best insurance carriers in the industry; purchasing insurance through your local independent agents is the best way to shop for auto insurance. Good insurance advice is crucial to your financial security. A local Auto Insurance Agent in Des Peres Missouri who partners with some of the best insurance carriers in the country can offer insurance choices and options from a variety of companies—not just one. We are committed to being your advocate during times of need.

Top three benefits of using an Alternatives Insurance® Auto Insurance Agent Des Peres MO:

  1. Personal service – Agents are trained to assess your needs, offer unbiased advice and support you should the unexpected happen.
  2. Peace of mind – Your auto insurance agent is a member of your local community and can handle your full range of insurance needs all in one place.
  3. Value – Your independent agent can access insurance coverage from multiple carriers – such as AAA, Travelers, Safeco, EMC, Kemper Preferred, Progressive, The Hartford, West Bend and Chubb –  to provide you with the best mix of savings and pricing.

Alternatives Insurance® of Des Peres is committed to outstanding customer service.  We start by offering the best insurance products at a reasonable price.rp_Trusted-Choice-Logo1-300x240.jpg But it’s the Alternatives Insurance® of  Des Peres 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.

Our team is committed to professionalism.  Our dedication to superior client service comes from a culture of professionalism and respect. All of our associates at Alternatives Insurance® of Des Peres have strong credentials and all of our policies are presented to you in a consistent and professional manner.

You can depend on us to solve problems quickly.  Alternatives Insurance® of Des Peres 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.

Our agents have a strong work ethic and are 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.

Your search for “ Auto Insurance Agent Des Peres MO ” is over.  Welcome to Alternatives Insurance® of Des Peres.

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