Do you offer home & auto bundle discounts?

Yes—bundling home and auto can reduce premiums versus separate policies. Actual savings depend on carrier underwriting and your profile.

Which states do you serve?

Missouri and Illinois primarily; some products also available in Florida.

What does general liability cover?

Third-party bodily injury, property damage, and advertising injury. Optional umbrella coverage increases limits.

Do you handle group health plans?

Yes—small to mid-sized group plans plus individual & family options. We’ll compare carriers and plan types.

Can I get motorcycle, RV, and boat coverage?

Yes—policies for motorcycles, RVs, boats & PWCs with options like comp/collision, accessories, and on-water assistance.

Alexander Insurance Car Insurance Archives

20Oct

Scroll Less, Stress Less: Steer Your Insurance Toward Smarter Savings

Across Missouri and the nation, many drivers are seeing their car insurance premiums rise. Factors such as repair costs, parts shortages, and broader economic trends have led to higher rates nationwide. But the good news…

29Sep

Coverage Shortcuts Could Cost You: Why Minimum Insurance Isn’t Enough

Every driver in Missouri knows that car insurance isn’t optional; it’s the law. What many don’t realize, however, is that carrying only the state’s minimum coverage can leave major financial gaps. Missouri requires drivers to…

16Jun

State of the Rates: Where Car Insurance Is Blowing Up (and Where You’ll Save Big)

Here at Alexander Insurance Agency of St Charles, we’ve noticed car insurance is costing more and more. Nationally, full-coverage plans averaged $2,692 a year and minimum coverage ran about $808 in May 2025. However, those figures…

30Apr

Flat Tires and Fine Print? Nope. Steer into the Smart Lane for Insurance

At Alexander Insurance Agency of St. Charles, we get it — finding the right auto insurance can feel like winding through a maze. That’s why we’re here to make the journey easy. From sorting through…

07Apr

Coverage Counts—Because Not Everyone Plays by the Rules! Insure For the Unexpected

Did you know that despite legal requirements in nearly every state, millions of drivers are still uninsured? If you’re in an accident with one of them, it could leave you facing major financial headaches. That’s…

13Jan

Accident Costs Adding Up? How PIP Insurance Keeps Financial Stress at Bay

What Is Personal Injury Protection Insurance? In the world of insurance, one thing that often goes unnoticed until it’s needed most is Personal Injury Protection or PIP. It’s an extra layer of protection that steps…

13Dec

Drive Through the Snow, Save Substantially on the Dough: Cost-Cutting Winter Insurance Tips

The cost of auto insurance depends on a variety of factors, like your age, marital status, location, and vehicle choice. While age and where you live aren't easily changeable, selecting a vehicle that's less expensive…

04Nov

Out of Pocket and Out of Luck? Why Uninsured Motorist Coverage Matters Now More Than Ever

Imagine this: You're heading to work, running errands, or picking up the kids, sharing the road with a whole lineup of other drivers. And here's a surprising thought—about one in eight doesn’t have car insurance…

15Jul

Driving Without Insurance? Here’s Why You Can’t (and Shouldn’t)

48 states in the U.S. mandate that you are covered by auto insurance the minute you hit the road! Today’s roads are teeming with speeders and other forms of reckless abandon. Driving isn't dangerous just…

17Jun

Offering Refuge From The Terminally Reckless: Uninsured Motorist Coverage

Uninsured motorist coverage is a valuable component of a car insurance policy. If an uninsured driver causes an accident, UM coverage helps pay for your car repairs and hospital bills. Nineteen states currently require UM…

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