Auto Insurance That Actually Has Your Back
(And Maybe Saves Your Bacon Too)
Whether you’re cruising through Missouri, bouncing down a gravel road in Kentucky, dodging potholes in Illinois, or road-tripping across the country—we’ve got you covered. We provide insurance across 8 midwestern states.
At Hoesli Insurance Agency, we don’t just sell auto insurance. We translate it from “legal mumbo jumbo” into “real-life protection for your ride, your wallet, and your future.”
It’s More Than Just Car Insurance
When people think “car insurance,” they usually picture fixing their own fender. But the truth is, the really important stuff is the protection you get if:
- You injure someone else (financially scary)
- Someone injures you (also scary)
- A deer, tree branch, or your neighbor’s trampoline goes airborne and takes a ride on your hood. (yep—seen it happen)
Every time you get behind the wheel, you’re rolling the dice. And we’re here to make sure you’re not betting the farm.
The Truth About Coverage
Here’s the part no one tells you:
Better coverage doesn’t always mean a bigger bill.
Because we’re an independent agency, we shop the top companies and match you with the best combo of price and protection. You get expert guidance and honest advice—for free. (We’re paid by the insurance companies, not you. Which is the only time “they pay us” is good news.)
Coverages That Actually Mean Something
Collision Coverage
You hit something—pole, guardrail, mailbox, garage door (oops). This pays for damage to your car.
Comprehensive Coverage
You didn’t hit something—your car just got wrecked by hail, fire, a deer, or a rogue shopping cart. Still covered.
Property Damage Liability
You broke someone else’s stuff. This pays to fix it, so you don’t have to sell your kidney on Craigslist.
Bodily Injury Liability
You hurt someone in a wreck. This pays for their medical bills—and helps keep lawyers off your back.
Uninsured & Underinsured Motorist
You got hit by someone with no insurance or not enough of it. This pays you—because their poor decisions shouldn’t be your financial problem.
What Impacts Your Rates?
Let’s be real—insurance companies look at everything but your blood type:
- Age – Under 25 or over 65? You’re either new to the game or playing on hard mode.
- Credit Score – Better score, better rates. Don’t shoot the messenger.
- Type of Vehicle – A 500-horsepower muscle car may be fun, but the insurance company assumes you might test that zero-to-sixty.
- Driving Record – Speeding tickets, fender benders, and “oops, I forgot to stop”… it all adds up.
- Who You Live With – If your teen drives like they’re in a video game, everyone in your house pays the price. Fair? No. Real? Yes.
Why Choose Hoesli Insurance?
Because we’re not some faceless call center. We’re a real family, helping other families.
We get it—insurance isn’t exciting, but protecting your people is. And if we can help you laugh a little while we do it? Even better.
We’ll compare your current policy, explain where the holes are (if any), and find you coverage that won’t make you cry at renewal time.
Ready for the Easy Button?
We make getting quotes painless—no sales pressure, no endless forms, no need to wear real pants.
Click below to get started, or call us if you want to talk to a real human who actually cares.
(Seriously. It takes just a couple minutes. We’ve timed it.)