Richard Kramer

Tips for Finding an Agent

• Make sure they specialize in the coverage you need
• If the agent is too busy to sit down with you, find a different agent
• Independent agents generally work with more companies than captive agents
• Captive agents only work for one company
• Check to see how long the agent has been in business

Insurance Buying Tip

Consider packaging your home and auto coverage together for additional discounts. The majority of insurance companies that offer coverage in Missouri, and more specifically Sappington, provide major savings when you combine your policies with the same company. Call Richard Kramer at (314) 842-1800 or go to their location in Sappington for more information.

Frequently Asked Questions

• How can I find an agent in Sappington?
• Should I buy home and auto insurance from the same company?
• What are minimum liability requirements in Missouri?
• What should my deductibles be?
• Why are premiums so high after a bankruptcy?