Geico Insurance Locations & Hours Near Saint Joseph, MO -
By: Dave F.
I have been AIS's client for about 6 months now and I could not be happier with their service. I like that they are very hardworking people and that they really care about their clients best interest.
By: Alexandria D.
One of the best things that Affordable Insurance Solutions does is they really look and try and find the best price out there when it comes time to renew my policy. I really appreciate that.
By: Stephanie H.
I've been working with Affordable Insurance Solutions for a while now and it has been a great experience. They are always there to help and are great about getting back to you quickly.
By: Hanna B.
AIS compared to other insurance companies, they go above and beyond for their clients. They are always keeping me informed about any changes or any ways that I can benefit even more.
By: Zack S.
I have been a client of AIS for about a year and I cannot ask for any better service. I am glad my friend very highly recommended AIS to me and that I took that advice.
By: Jan F.
I really like how willing everyone at Affordable Insurance Solutions is to listen to you and willing to work with you no matter what. They're there to help.
By: Chris M.
Everyone at Affordable Insurance Solutions does a great job of explaining everything really well so that I know exactly what's going on with my policies.
By: Matt K.
Philip Stueve - State Farm Insurance Agent
This is a great insurance agency! They are kind and friendly! On top of the great service they will make sure all of your insurance needs are met!
By: Lauren P.
AIS has a great team full of hard workers and very positive and friendly helpful attitudes. Whenever I talk to someone they are very kind.
By: Sandra S.
The staff at AIS is so hands on and responsive! They make themselves available whenever you need to get a hold of them. Highly recommend!
Tips & Advices
By law, you need to be insured up to the minimum amount required in your state before getting behind the wheel of any car. Beyond that, your insurance needs will vary depending on your financial situation and the amount of risk you are willing to take on.
  • Full or comprehensive car insurance is the most expensive, but often the best deal for drivers who own an expensive car, those who commute frequently or anyone who lives in an area with extreme weather or high crime rates.
  • Drivers of less expensive or older cars usually save more by opting for the minimum required policy, along with some extra coverage if they can afford it. Since the cost of repairs might exceed the total value of an older vehicle, some owners forgo collision protection in favor of greater liability coverage or personal injury coverage.
If someone other than you causes an accident while driving your car, most insurance policies will still pay for damage, according to the rules that apply. However, it’s a good idea to check with the insurance provider to be sure this is the case. Regardless, either the at-fault driver or the actual policyholder will be responsible for paying for anything not covered by insurance. People who don’t own a car but frequently borrow or rent one might consider purchasing a non-owner policy to make up the difference.
Car insurance premiums might be tax deductible in certain situations, but only with the documentation to prove it. Insurance costs may be deducted as part of overall business expenses if you use that car for work-related travel. However, this does not generally apply to taxpayers who use the standard deduction when filing their income tax returns. If your car is used for business purposes often, save all insurance-related documentation, as well as receipts, invoices and other forms of proof that your vehicle expenses were for business purposes.
Car insurers set premium prices depending on every driver’s individual risk. A huge number of details are factored into every determination of insurance risk, so the cost of any two policies can vary widely depending on the driver’s personal attributes, accident history, location, vehicle type and much more. The type of coverage you choose also impacts what you pay - premiums for minimal liability coverage will almost always be lower than those of a universal coverage policy.
The cost of car insurance is highly variable, but according to the National Association of Insurance Commissioners, U.S. motorists pay around $900 per year on auto insurance.

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