Frequently asked questions
Our Insurance Products
Old and new cars of all makes and models should be protected with a dependable car insurance plan from a dedicated agent. Michael Going will guide you to find an insurance plan that fits your needs. We also have teamed up with Nationwide to ensure you have everything you need to protect your vehicle and everyone in it.
The way you drive your car, your car's safety and security features, and where you park your car in O Fallon are all factors that have an impact on how much you'll pay for insurance. In addition to these factors, we look for every available discount that you qualify for to provide you with the greatest possible savings. We may not be able to save you money at the pump, but we'll do our best to see if you qualify for discounts on your auto insurance. There are also a number of coverage options you can add on your policy, all of which we'll be more than happy to go over with you.
There's no need to take chances while you're behind the wheel. Relax and enjoy the ride knowing that you've got the right auto insurance plan from Michael Going. Feel free to pay us a visit at our location at 717 W Highway 50 or call (618) 624-2100.
Home is where your family builds memories on a daily basis, and we know that one of your top priorities is to protect it with sound insurance coverage. After all, we're talking about financial security, which can mean peace of mind. You can depend on the professionals at Michael Going in O Fallon to help. We'll walk you through the various options and take the mystery out of acquiring appropriate home insurance.
Basic home insurance coverage includes protection against events such as theft, or damage from the elements. That means that if O Fallon is hit with a major storm system, you are able to protect your family without worrying about paying more for destruction that may be caused. In addition to dwelling coverage that insures against damage to built-in appliances and wall-to-wall carpeting, insurance is also available for water backup caused by sewer or drain issues. You may also want to have detached structures insured, such as your garage or gazebo. Additionally, contents coverage helps to protect your belongings such as furniture and clothing from loss, and this can be defined in your policy.
There are several other options, and Michael Going proudly works with Nationwide to offer excellent choices in home insurance coverage. You can get the conversation started with a call to (618) 624-2100. You can also stop by our office at 717 W Highway 50 to learn more about the many advantages of protecting your home with a policy that's tailored to your needs.
If you have children, a spouse or anyone in your life who depends upon you financially, you need life insurance. The same holds true if you depend upon someone else financially. Life is unpredictable but it is within your power to minimize or even eliminate the financial impact of unexpected life events.
We at Michael Going are here to help people like you in the O Fallon area. We are here to answer your questions and make life insurance understandable. We will explain term versus permanent insurance and we will outline the types of life insurance that may be best for you.
When determining the amount of coverage you need, you should consider both your present and future circumstances. What are your current financial needs and what do you expect to be the future financial needs for your family?
You should factor in your current age, income and debts and the likely financial impact of lost income. You should also consider final expenses as well as future educational needs for your children and even for yourself or your spouse. If you are a one-income household, you should be sure to purchase a policy that will cover that income in its entirety if lost.
Life gets hectic; make sure you are not too busy to take care of yourself and your family. Call Michael Going at (618) 624-2100. We are located at 717 W Highway 50. Let us help you find the right policy to assure your family’s financial security.
We all strive to be at our very best at every possible moment to fulfill our own individual obligations and meet the needs of those around us. Yet there will be times when factors outside of our control present risks. Perhaps in no other facet of life is this more true than in business. As a small business owner, your effort in building your company needs to be protected by a sound insurance plan. We at Michael Going would be happy to provide you with that.
Thanks to our association with Nationwide, all of the core coverage elements needed to build the right business insurance policy in O Fallon are right at your fingertips. You can start with basic options such as commercial property and business liability insurance, and then supplement that with business auto coverage. Then, depending upon the unique aspects of your company, you can choose to add extra coverage such as crime insurance, cyber liability protection, workers' compensation, and added financial security through accounts receivable and business interruption insurance. Not sure how much insurance you'll need? Choose instead to go with a businessowners policy, which offers a wide range of coverages designed to provide a convenient package.
Building the ideal small business insurance plan can be easy if you have the right help in doing it. Michael Going is here to help. We look forward to discussing all of the business insurance benefits that Nationwide has to offer. To learn more about covering your company through Nationwide, stop by and speak to us at our office on 717 W Highway 50, or call and schedule an appointment at (618) 624-2100.
Nationwide offers small business resources to help you strengthen your business, such as financial calculators and information and articles on marketing and cash flow management. Learn more at the Business Solutions Center.
The Michael Going also offers products in IL. Please call for information on products in those states.
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