Drive with Confidence: Your Top Choice for Auto Insurance in St. Peters, MO
At E3 Insurance, we’ve got you covered with both standard and collector car insurance. Our comprehensive coverage options protect not just your car, but also your personal and financial well-being. Drive with peace of mind, knowing that we have your back.
The Leading car Insurance Brokerage in St. Peters, MO
At E3 Insurance Advisory Group, we have you fully covered when it comes to car insurance, including standard car insurance as well as insurance specifically tailored for collector cars.
Whether you reside in St. Peters or any other state we’re licensed in, most individuals tend to associate car insurance solely with damages to their vehicles. However, the truth is that car insurance offers coverage that extends far beyond just the car itself.
Given the significant number of cars on the roads, combined with the numerous distractions that drivers face every day, the likelihood of being involved in an automobile accident is alarmingly high. As such, every time you get behind the wheel, you are putting yourself at risk.
Therefore, it is imperative that you have a comprehensive understanding of your coverage options, not only for your car but also for your personal protection, and that of others who may be harmed due to your negligence. With E3 Insurance Advisory Group, you can rest easy knowing that we are here to ensure that all of your assets are adequately protected. If you’re ready to start protecting your priced cars today, click the button below to get started. Otherwise, keep reading for more valuable information!
Important car Insurance Coverages
Collision
This is the part of your policy that covers your car in the event you damage the car itself somehow, as a result of an accident with a fixed or moving object like another car, a curb, a house, a guard rail, etc..
Comprehensive
This coverage also protects your car, but in the event that something else damages your car, that is not a fixed, or moving object. For example, theft, a rock that cracks your windshield while you’re driving on the highway, an animal you might hit, and so on.
Property Damage
Suppose you damage someones car in an accident, or a guard rail, house, or some other property that belongs to someone else. This is the part of your policy that compensates the other person for that damage
Bodily Injury Liability
This coverage protects your financial interest in the event you injure another party in an accident. This is the part of your policy that pays that other party for their medical bills and related expenses. Due to the high cost of medical care, it’s dangerous to carry liability limits that are too low. This is something we can help you decide on.
Un-insured & Under-insured
Liability
This coverage pays you, in the event that you are injured by another party, and that other party was either unidentified, or they weren’t carrying a high enough limit of Bodily Injury Liability to cover your expenses.
This is also a very important part of your auto policy because you have zero control over how much insurance other people are driving around with.
Important Auto Insurance Coverages
When you browse through your policy, you may see certain coverages and wonder exactly what they are, and why they’re on your policy.
Let us clarify a few of the more important ones for you:
Collision Coverage
This is the part of your policy that covers your car in the event you damage the car itself somehow, as a result of an accident with a fixed or moving object like another car, a curb, a house, a guard rail, etc..
Comprehensive Coverage
This coverage also protects your car, but in the event that something else damages your car, that is not a fixed, or moving object. For example, theft, a rock that cracks your windshield while you’re driving on the highway, an animal you might hit, and so on.
Property Damage
Suppose you damage someones car in an accident, or a guard rail, house, or some other property that belongs to someone else. This is the part of your policy that compensates the other person for that damage
Bodily Injury Liability
This coverage protects your financial interest in the event you injure another party in an accident. This is the part of your policy that pays that other party for their medical bills and related expenses. Due to the high cost of medical care, it’s dangerous to carry liability limits that are too low. This is something we can help you decide on.
Un-insured & Under-insured Liability
This coverage pays you, in the event that you are injured by another party, and that other party was either unidentified, or they weren’t carrying a high enough limit of Bodily Injury Liability to cover your expenses. This is also a very important part of your auto policy because you have zero control over how much insurance other people are driving around with.
Having Adequate Car Insurance Limits is Serious Business
Don’t leave your financial future to chance! Accidents happen, and if you’re found responsible for someone else’s bodily injuries, inadequate insurance coverage could leave you financially devastated. At E3 Insurance, we understand the importance of securing comprehensive coverage, and we’re here to help you find the best policy at the most competitive price point.
Our independent status allows us to scour the insurance market for you, comparing a vast range of providers to ensure that you receive the most advantageous deal possible. And the best part? Our services won’t cost you a dime! We’re compensated directly by the insurance companies themselves, and we work tirelessly on your behalf to ensure that your policy covers all your risks and needs, with no hidden loopholes or confusing fine print.
No two insurance contracts are identical, and even if two policies appear similar on the surface, the fine print behind the cover page can vary considerably from company to company. That’s why you need someone who understands policy contracts inside out, like us, to sift through the exclusions and conditions for you, so you can relax in the knowledge that you have the most suitable coverage at the best possible price without having to navigate complicated legal language.
So why risk everything by settling for inadequate coverage? Contact us today to speak to one of our insurance experts, and let us help you safeguard your financial future. With E3 Insurance, you can rest assured that you have the most suitable coverage, tailored to your specific requirements, at a price that won’t break the bank.
Having Adequate Car Insurance Limits is Serious Business
At E3 Insurance, we’re committed to helping you protect your financial future. As an independent insurance brokerage, we work with over 300 carriers to find the best coverage at the most competitive price point. We’ll sift through the fine print and exclusions for you, ensuring that your policy covers all your risks and needs. Best of all, our services won’t cost you a dime. Contact us today to speak to one of our insurance experts and safeguard your future with the right coverage.
Common Auto Insurance Rating Factors
Age — insurance companies use your age in their overall rating algorithms. Drivers who are under 25, and over 65 typically don’t get preferred rates because statistics show that those two age demographics have the most loss frequency and are therefore more at risk for financial loss due to an auto accident
Credit — credit is a metric that has been used in insurance scoring for many years. The better your credit, the more favorable your rates will usually be
Car — the type of car, engine size, safety features, etc.. are all part of determining the rate
Driving History — your driving record and loss history plays a substantial role in the price. If you have a spotty driving history, or multiple moving violations or accidents, chances are, you won’t get a preferred rate until those things are at least 3 years old
Household — insurance companies underwrite at the household level, meaning they try to judge based on the entire household, what the probability of loss will be. If there are multiple drivers in the house who are under the age of 25, that will impact everyone’s pricing in the household
How to Get Started With Your Car Insurance Quotes
If you live in St Peters and are looking for a car insurance comparison, E3 Insurance makes the process of finding the best company and price easy.
We do all the heavy lifting for you!
To get started, complete the fields below to send us some basic information about your needs so we can get started on your policy review and comparison!
GET THE PROTECTION YOU DESERVE
Address:
1276 Jungermann Rd. STE B St. Peters, Missouri 63376
Phone:
636.542.8966
protect@E3insure.com
Hours of Operation
9AM - 4PM CST.