Four reasons why motorists need auto insurance

There are many good reasons why motorists in Saint Charles, MO, need to insure their vehicles. Nieroda Insurance Agency offers auto insurance to area consumers so that they can enjoy the many advantages of being insured.

Here are four essential reasons you need auto insurance if you’re a vehicle owner. 

You have to carry auto insurance if you take out an auto loan.

If you borrow money to buy your vehicle, auto insurance isn’t going to be an option for you. Lenders typically require borrowers to insure their vehicles with both collision and comprehensive coverage. 

Carrying adequate auto insurance coverage is the responsible thing to do.

Without enough auto insurance coverage, you might be unable to pay for damages you’re liable for as a driver down the road. By investing in adequate auto insurance coverage, you can be responsible and always have funds available to pay what you owe. 

Auto insurance makes your life easier.

Carrying auto insurance has so many advantages that you might not have even thought of. Auto insurance makes your life easier by offering great features like roadside assistance and rental vehicle coverage. These features can really come in handy when you get in an accident. 

Auto insurance protects your vehicle’s value.

You invest a lot of money in purchasing and maintaining your vehicle. If you insure your vehicle with collision and comprehensive coverage, you can protect the investments you’ve made in your car. 

If you’re in the market for auto insurance, get in touch with Nieroda Insurance Agency. We are available to provide a policy quote to motorists in Saint Charles, MO. Call us today!

Five Tips For Getting The Best Deal On Missouri Auto Insurance

As a driver in Missouri, you are required to have auto insurance. This is because if you were to get into an accident and cause damage or injuries, your insurance would cover the costs.

If you don’t have auto insurance and cause an accident, you could be sued for the damages and have to pay a lot out of pocket! 

Five Tips For Getting The Best Deal On Missouri Auto Insurance

Here are five tips to get the best deal on Missouri Auto Insurance:

  1. Get a quote from a local auto insurance agency – Find a great rate on Missouri auto insurance by contacting an insurance agent at Nieroda Insurance Agency in Saint Charles, MO.
  2. Ask about Missouri auto insurance discounts – Some companies offer discounts for things like having multiple cars on your policy, being a good driver, group discounts, or taking defensive driving courses.
  3. Consider your deductible – A higher deductible means you will pay more out of pocket if you have an accident, but it also means a lower premium. Talk to your agent to learn more. 
  4. Don’t insure what you can’t afford to replace – If your car is not worth much, it may not make sense to get comprehensive or collision coverage.
  5. Review your policy – Your needs may change over time, and it’s essential to ensure that your insurance policy reflects that.

For example, if you buy a new car, you will need to adjust your coverage accordingly.

Get A Free Missouri Auto Insurance Quote

The licensed insurance agents at Nieroda Insurance Agency in Saint Charles, MO can talk to you about the best auto insurance policy that fits your budget, family, and lifestyle.

Auto insurance for teen drivers in Missouri

Saint Charles, MO area families with teen drivers can count on the team at Nieroda Insurance Agency for all of their auto insurance needs. Protecting a teen driver may mean that they need their own policy rather than remaining on the family policy. Of course, every situation is different, so we are here to help!

Understanding teen driver auto insurance needs

Learning to drive is an exciting time in anyone’s life, as it can mean greater freedom and independence. With this new privilege comes increased responsibility. Helping your teenager become a responsible driver is an important part of parenthood. And, so too is obtaining the proper auto insurance protection for their needs. 

Understandably, teen drivers can be involved in more fender benders and experience a higher number of dings and dents to their cars than more experienced drivers. Because of this, teen drivers’ insurance needs are often different than the needs of other adult family members. Of course, if you are fortunate enough to have a skilled teen driver, this may not apply to your situation.

Sometimes it makes sense to add new drivers to the already existing family policy, while in other scenarios, getting a separate policy for the teen is the right way forward. For most families, this decision comes down to cost. Whichever solution works best for your family, you can count on us to answer any questions that you may have about insuring the teen drivers in your life.

Give us a call today!

Nieroda Insurance Agency is here for the families in the Saint Charles, MO area. If your teenager is getting ready to start driving, let us help you find the right insurance solution. Want to find out more? Give us a call or stop by today!

Is a comprehensive auto policy right for you?

Saint Charles, MO residents can rely on the Nieroda Insurance Agency for their auto insurance needs. If you are wondering if you might benefit from a more comprehensive auto policy, we can help you review your options. Give our office a call today!

Benefits of a comprehensive auto policy

Choosing the right auto policy for your needs doesn’t have to be an overwhelming experience. Yes, there are many options available, and it can seem like a lot of information to absorb! But, if you are considering which policy is right for your needs, don’t forget to take a look at some more comprehensive policies. 

Your lender may have a certain level of coverage that they require you to carry. This does not mean that this is the best coverage for you. This basic level of protection will give you some level of protection, but it may not be all you need or want. Comprehensive policies can provide you with features like 

  • Car rental reimbursement if your car is inoperable due to a covered event.
  • Discounts for multi-line policies when you have several different policies from the same provider.
  • Roadside assistance when you need mechanical or towing help when out on the road.

Why not consider all of your options before making your decision? You may be pleasantly surprised by all of the different features available with a comprehensive policy.

Give us a call to find out more!

Nieroda Insurance Agency is here to provide residents in the Saint Charles, MO area with the insurance they need. If you wonder which type of auto insurance is right for you, give us a call or stop by our office. We can help!

Auto Insurance: What is the Difference between Comprehensive and Collision?

Have you ever looked at your auto insurance policy and wondered what the different sections meant? Why are comprehensive and collision often mentioned in the same breath? Are they the same thing? Your local agent at Nieroda Insurance Agency is here to answer your questions.

Collision: For When Your Car Hits Something

The collision section goes to work when you are in an accident on the roads around Saint Charles, MO and your car needs to be repaired. Even if it was the other guy’s fault, your collision coverage means that your insurance will pay for the repair without waiting for the investigation to be completed. If you decide not to include collision, you may have to wait for their insurance to get around to paying out before you can fix your ride.

Comprehensive: For When Something Out of the Ordinary Damages Your Vehicle

Not every dent is a result of a fender bender. The comprehensive section can help you to replace your car if it is stolen or fixed when damaged by vandalism. It may also help you get the windshield replaced after a hail storm or when a deer jumps onto your hood. Without comprehensive, if your car is randomly dinged or lost, you will be left paying for the repair or replacement. If you have a car loan for your vehicle, the lender may require that you carry both collision and comprehensive.

Comprehensive and collision are two parts of auto insurance that are not required by the State of Missouri. If you would like to learn more about auto insurance and all of your options, click or call to contact your agent at Nieroda Insurance Agency serving the Saint Charles, MO area.


Did you know that almost every single state legally requires you to carry car insurance? It’s illegal to drive a motor vehicle in Missouri without an automobile liability insurance. Though your state probably requires a minimum amount of liability insurance, keep in mind the legal requirements they set are typically not enough to cover serious damages to a vehicle or more serious injuries. We as Nieroda Insurance Agency in Saint Charles we always embark on advising new buyers to acquire the best car insurance.

Auto insurance tips for new car buyers

Ensure you have the minimum liability coverage: Most states require you to have this coverage to pay for damages or injuries to others you may be responsible for when driving.

Undertake a driving course: Sometimes insurance companies will provide a discount for those who have completed an approved defensive driving course.

opt for voluntary deductibles: It’s a good way to lower your car insurance premiums. With this option, you agree to share the cost of repair in case of any claim resulting in lower premiums for an insurance plan.

Have comprehensive insurance cover: This caters for damages in an accident apart from collision. These include vagaries of nature like floods, tornadoes, fire as well as theft and vandalism.

Review the policy: When you have done your research and zeroed on a company read the policy carefully. If it contains the coverage that you had requested and priced, go for it.

Research additional discounts: Insurer provides a variety of discounts like allowing you to pay premiums at once for the entire coverage period.

If you purchase a car in Saint Charles, MO, we highly advise you to acquire an auto insurance policy of your choice. For any help visit our Nieroda Insurance Agency website and start your insurance experience with us!

What Is The Minimum Auto Insurance Coverage In Saint Charles, MO?

When you’re in Saint Charles, MO, it’s important to adhere to state minimums for auto insurance. If you are buying or leasing a vehicle, the lienholder may have a few requirements of their own, too.

The state of Missouri requires you to have liability insurance. This includes a $25,000 minimum for the physical injuries of one person and double that for the total bodily injury (or death) in an accident. Then, there needs to be another $10,00 for property damage per accident. All of this is for an accident caused by the person driving the insured vehicle.

At Nieroda Insurance Agency, we recommend seeking out more than the minimum auto insurance coverage. It can eliminate problems should you need to file a claim. Plus, it can reduce your out-of-pocket expenses if you are at fault for an accident.

You may want to have collision and comprehensive coverage so that you are protected against more scenarios. This would include colliding with a mailbox or getting hit in a parking lot without knowing who the other driver was. Anything can happen on and off the road, so it’s best to be covered.

If you have a lienholder, they may have specific coverage limit that you need to meet for liability, collision, and comprehensive coverage. Further, you may need to show them proof of insurance.

It’s important to have auto insurance that you can rely on. While you have no choice but to meet state minimums, you can choose to increase your coverage levels to higher amounts. You need to do what’s right for you and your budget, which is how an agent can help.

Contact us at Nieroda Insurance Agency today. One of our independent insurance agents can talk to you about the auto insurance minimums in Saint Charles, MO and make recommendations for other coverage.


Considerations When Selecting Your Medical Insurance

There are many factors to consider before selecting a medical plan. While many people have coverage through an employer, you may pay for your own medical insurance. Either way, you want the best options you can afford, including prescription, medical, and emergency care, such as ambulance transportation. Ask your Nieroda Insurance Agency representative for more information. In the meantime, here are some tips to get you started selecting your medical insurance in Saint Charles, MO.

General Practitioner Coverage

Some healthcare policies have a pre-approved network of doctors. If you want to keep your current physician, check whether they accept the health care plan you’re purchasing. To choose a new doctor, check out the directory provided by your insurer or ask for a recommendation.

Refer to the American Medical Association for reviews and complaints. Make sure the office hours match your availability.

Emergency and Hospital Care

Figure out what hospitals and emergency rooms your plan covers. It’s important to check the fine print on this portion of your coverage since various plans have unique definitions of what constitutes an emergency. Something that seems obvious to you may not be covered, for example. 

Prescription Drugs

Prescription drugs can be very expensive to pay out of pocket. If you have a monthly prescription, you need to choose a health care plan that covers that. Also, consider whether the coverage is mail order or pick up from a pharmacy and choose the plan that best suits your requirements.

Contact Us

Contact Nieroda Insurance Agency for all your insurance issues. Feel free to ask any questions about obtaining health insurance in Saint Charles, MO or make an appointment for a quote.



Why is Auto Insurance More Expensive for Some Drivers?

Auto insurance is something that we are all required to hold by law to protect ourselves and other drivers on the road. The right auto policy might be more expensive for some drivers than others and knowing what causes these differences in pricing may affect what type of policy you take out and what you do to insure yourself. For those that live in the Saint Charles, MO area, the agents with Nieroda Insurance Agency can help you understand the pricing for particular insurance policies.

For the most part, drivers are subjected to a certain rate across the board that is adjusted according to the vehicle that is being insured, the safety features of that car, the overall amount of coverage, and the driver themselves. Certain drivers are considered high risk. These drivers are those under the age of 25, not married, do not have a college degree, have multiple driving infractions or accidents on their record, or are male.

These individuals are considered high risk because statistically they are involved in more accidents than other drivers. Teenage males are considered one of the highest risk drivers according to accident statistics across the board. Another issue that drives up the cost of insurance is the number of accidents that drivers are involved in. More accidents mean that they are a higher risk to the insurance agency regarding having to pay out on an accident. In some cases, insurance agencies will drop drivers if they have multiple accidents due to the fact that it costs a great deal of more money to insure these drivers.

For those that live in the Saint Charles, MO area, the agents with Nieroda Insurance Agency can help you determine the best policy for your particular needs. Reach out to us for more information on how you can get started on an auto insurance policy, and try our online rating tool for quotes on auto insurance.

Will My Auto Insurance Cover Theft?

Residents of Saint Charles, MO want to know that their vehicles are safe from theft. Hopefully, it’s not a worry that most resident would have to think about in the first place. Still, were it to occur, residents at least want to know that their auto insurance would cover them.

So how about you? Are you sure that your insurance plan has this coverage? Here’s what you need to know about auto insurance plans and theft:

  • First and foremost, it’s important to understand that all plans are different. You would need to speak directly with your insurance agent to be sure of what your plan covers.
  • If your entire car was stolen, again, whether or not you are covered will depend on what type of insurance plan you have. For the most part, however, comprehensive coverage plans will cover the value of your vehicle if it has been stolen.
  • In general, comprehensive coverage will help you out if your car was damaged because of the break-in. This coverage typically takes care of broken ignition systems, smashed windows, and broken door locks.
  • Keep in mind that this comprehensive coverage will not take care of any items that were stolen from your car. You would need another type of insurance such as renters insurance or homeowners insurance to cover these items.

Get in Touch With Nieroda Insurance Agency to Learn More

Nieroda Insurance Agency serves the residents of Saint Charles, MO and would be happy to speak with you about your auto insurance options — whether you currently have a plan that you would like to transfer or change or are looking for a brand new one. Visit our local office or give us a call at your earliest convenience to learn about your options. One of our agents is waiting to speak with you!