Florissant, Missouri
3327 N Hwy 67
Florissant, MO 63033
(314) 921-7900
The Zach Plackemeier State Farm Insurance Agency office opened in 2016 across from the new Wal-Mart on Hwy 67 to serve customers in Florissant and Saint Charles, MO as well as surrounding St. Louis County with all their Insurance and Financial Service needs. Zach was born and raised in Saint Charles, MO. He played division 1 basketball in college for Indiana-Purdue Fort Wayne. He enjoys being active in the community and is a member of the North County Chamber of Commerce. Zach is a State Farm Chairman Circle agent which represents the top 3% of agents across the nation. Zach and his team are here to help with Auto Insurance, Commercial Auto Insurance, Home Insurance, Renters Insurance, Life Insurance, and more. Contact them today to see how they can help you and your family.

Do’s & Don’ts of Shopping for Auto Insurance September 19, 2018

Florissant, St. Louis, MO
Do’s & Don’ts of Shopping for Auto Insurance, Florissant, Missouri

Auto insurance is a necessary expense for every driver. It not only serves to keep you in compliance with the law, but it will also protect you from experiencing significant financial loss in the event you’re involved in an accident or your vehicle is stolen. However, before you purchase any coverage, it’s important to make sure you’ve chosen a policy that will meet your needs and provide you with the greatest savings. 


Explore all your coverage options.

Drivers often make the mistake of focusing on price when choosing coverage, leading them to buy only the minimum liability amount required by law. Doing this may leave you insufficiently covered and vulnerable to financial devastation. Instead, explore all your coverage options and make sure you have a clear understanding of the protection each one provides so your insurance agent can put together a suitable policy.

Be honest on your application.

auto insuranceBefore giving you a quote, auto insurance companies will ask you to disclose certain information to help them calculate how much your premium should be. It may be tempting to bend the truth so you can get a better rate, but if your provider finds out you weren’t honest, they can decide to cancel your policy and deny any claims you make. 


Set the wrong deductible. 

In addition to selecting the type and amount of coverage you need, you must also set a deductible. This is the amount you will be required to pay out of pocket before your insurance policy will kick in to help with a claim. Setting a lower deductible means you won’t have to pay as much if you’re in an accident, but your premium will be higher. A higher deductible will cut premium costs, but you will have to come up with quite a bit more money if your car needs to be fixed. 

Forget to ask for discounts. 

Many insurance companies offer discounts for policyholders to lower their premium when an effort is made to reduce their risk of filing a claim. These discounts can vary from loyalty programs to safe driving perks. Ask your agent to help find all the savings you qualify for.


Being an educated consumer is key when it comes to buying auto insurance. Working with Zach Plackemeier – State Farm® Insurance Agent will ensure you have all the information you need to make wise decisions about coverage. As an agent with one of the nation’s most reputable insurance companies, he can be trusted to provide superior products and services. He also understands there is no one-size-fits-all auto policy and has helped numerous residents throughout the St. Louis, MO area gain peace of mind knowing they’re properly covered. Call (314) 921-7900 to request a quick and free quote, or follow him on Facebook to stay updated on industry information. 

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