Allstate Insurance Agency

Early Edge Insurance, O Fallon, MO

2917 Highway K,

Ste H

O Fallon, MO 63368

Call 24/7

(636) 696-4820to quote by phone

Call 24/7

(636) 696-4820to quote by phone

Call 24/7

(636) 696-4820to quote by phone

Call 24/7

(636) 696-4820to quote by phone

Select a product to get a quote

ATV insurance

Location Details

Office Hours

Day of the Week	Hours
Mon	8:30 AM - 5:30 PM
Tue	8:30 AM - 5:30 PM
Wed	8:30 AM - 5:30 PM
Thu	8:30 AM - 5:30 PM
Fri	8:30 AM - 5:00 PM
Sat	Available by appointment9:00 AM - 1:00 PM
Sun	Closed

After-hours appointments available.

Available 24/7 at

(636) 696-4820

2917 Highway K,
Ste H
O Fallon, MO 63368
US

Landmarks

Our office is located on the Northwest corner of Christina Marie Dr and Highway K in front of Club Fitness.

Areas Served

O Fallon, Saint Charles County, Saint Louis County, Wentzville, Lake St. Louis

Languages

English, Spanish

Early Edge Insurance: Allstate Insurance

Local Allstate Agency: Meet Early Edge Insurance

I’ve gotten to know many local families as an Allstate agent in O Fallon. I enjoy being a part of the community, and building local relationships is one of the best parts of my job. I know what life is like here in O Fallon – that you choose your car and your home to fit your lifestyle and your budget. I also know how important it is to do the same when it comes to insurance. I look forward to getting to know you and helping you to find the solutions that meet your needs.

Part of what I like best about my job is that I can offer customers options for a wide variety of coverage and services. You can depend on me to help you look at the big picture.

I’m committed to helping O Fallon residents assess their immediate and long-term needs and choose options that will help them achieve their goals. When you want to explore options for protecting your home, personal property, or financial future, I’m available to answer your questions. If you’re already a customer, I’m ready to review your coverage so that you can make any necessary adjustments to fit your changing needs. Call me today.

Part of what I like best about my job is that I can offer customers options for a wide variety of coverage and services. You can depend on me to help you look at the big picture.

Products we offer:

Auto Insurance in O Fallon
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Helps protect you and your vehicle if you’re involved in a car accident. At a minimum, you’ll likely need bodily injury liability and property damage liability to meet state auto insurance coverage requirements and help protect your finances if you cause an accident that injures another driver or damages their property. We also offer uninsured motorist coverage to help with your expenses if you’re hit by a driver without insurance. If you’re looking for coverage to help protect your vehicle, you might want to consider collision coverage and comprehensive coverage, which help pay repair costs if your car is damaged in a covered loss. And, optional coverages, like new car replacement coverage or loan/lease gap coverage help protect your investment in a brand-new car. I can help you choose a combination of coverages that fulfill state requirements and meet your needs. Give me a call to get a car insurance quote today!
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Home Insurance in O Fallon
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Helps provide protection for your house (dwelling) and your family’s liability as well as the things you own in and around your home such as “other structures” (detached garage, fence, etc.), your personal property (furniture, clothing, etc.) against covered perils such as fire, theft, wind/hail and more. Call me today for a homeowners insurance quote and I’ll help you get the protection your home needs and the savings you deserve with our money-saving discounts.
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Condo Insurance in O Fallon
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Helps protect the portion of your condo, co-op or townhome for which you are responsible for (inside structure, permanent fixtures, cabinets, etc.) with dependable coverage. Condo policies are HO-6 compliant, and cover family liability and personal belongings against covered perils such as fire, theft, vandalism and more. Contact me today for a quote!
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Renters Insurance in O Fallon
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Helps protect your personal belongings inside or outside your apartment from accidents such as, fire, theft, vandalism, and cover family liability. Give me call today to review what type of coverage makes sense for where you live and what you own.
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Motorcycle Insurance in O Fallon
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Our motorcycle policies include the basic coverage you may need, like liability coverage, which includes passenger liability coverage and uninsured motorist coverage. You can further customize your motorcycle policy with collision coverage and comprehensive coverage to help protect your bike. And, if you have a customized ride, you can help protect your aftermarket gear with optional equipment coverage. Contact me to learn about motorcycle insurance discounts and to get started with a quote for a policy that fits your needs.
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Business Insurance in O Fallon
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Allstate Business Insurance protects your business in ways other insurance might not. A business owners policy (BOP) usually includes three common types of coverage to help protect you and your small business: property coverage, general liability coverage and business interruption coverage. In addition to these basic coverages, the Allstate Business Owners Policy can be customized with additional protection to help cover more aspects of your business. I can help you tailor a policy to fit your small business’s needs. As a small business owner myself, I understand how important it is to protect what you’ve worked so hard to build. Call me for a free review of your current business policy and to learn more about insurance solutions to help protect you, your business and your employees.
Life Insurance in O Fallon
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Protect the life you want, for those that matter most. A life insurance policy can help provide financial security for your loved ones by covering expenses like the mortgage, college tuition, and other everyday living costs. Call me today to learn about the different types of coverage Allstate offers.
ATV Insurance in O Fallon
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Help protect yourself and your all-terrain vehicle against the unexpected. We offer bodily injury liability coverage and property damage liability coverage on your ATV insurance policy. If you injure someone else or damage their property while driving your ATV, liability coverage helps pay the other person’s medical or repair bills. If your ATV is damaged in a crash, collision coverage may help. Collision coverage for your ATV helps pay for repairs if you hit another object, such as a fence or a tree. Finally, you may want to consider comprehensive coverage for your ATV in case it’s stolen, vandalized or damaged by hail or fire. Give me a call to get a quote on an ATV insurance policy today!
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Boat Insurance in O Fallon
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Helps cover your boat on and off the water. Watercraft liability coverage helps pay for another person’s expenses if you injure them or damage their property with your boat. If you’re injured in a boating accident, watercraft medical payments coverage helps pay for your medical bills. Need to repair damage to your boat after an accident? Property coverage for your boat helps cover a crash with another boat or object (like a pier or buoy). It also helps cover theft, vandalism or fire. Help protect your boat against these covered perils during the on- and off-season. We also offer additional coverage for things like your boat trailer, fishing equipment and even towing or fuel delivery when you’re stranded. Need a boat insurance quote? Give me a call today!

20+

Years of
Experience

30+

Years in the
Community

Our team

Andrea Early

Agency Owner

Hi, I’m Andrea Early, and I’m passionate about helping individuals, families, and businesses protect what matters most. As an experienced insurance agent, I understand that insurance can be overwhelming, and my goal is to make the process as easy and straightforward as possible for you.

I take the time to truly listen to your needs and concerns, so I can tailor a solution that fits your unique situation. Whether you're looking for auto, home, life, or business insurance, Allstate offer a variety of options that give you peace of mind and financial security.

What sets me apart is my commitment to building long-term relationships with customers. I’m not just here to sell you a policy; I’m here to be your trusted companion for your insurance needs, whether you're going through a life change, need to adjust coverage, or have questions along the way.

In my eyes, you’re not just another customer—you’re part of the family. I pride myself on being approachable, reliable, and always ready to help when life throws you a curveball.

Let’s work together to help see you're well-protected, no matter what life brings your way. Reach out today, and let’s start the conversation about how we can secure your future!

Veronica Lopez-Velez

Licensed Sales Team Lead

Veronica is a dedicated and licensed Sales Team Lead at the agency with a passion for helping people secure their futures. With years of experience, Veronica knows that insurance is more than just a policy—it's about peace of mind and helping provide the right coverage to protect what matters most to families and individuals.

Known for a friendly and approachable style, Veronica prides herself on building strong, lasting relationships with customers. Whether navigating complex insurance options or answering questions, Veronica is always ready to offer guidance and support, helping see customers feel informed and empowered every step of the way.

When Veronica isn’t leading a team of talented sales professionals, she's actively involved in the local community, volunteering and supporting causes that make a difference. Veronica believes in the power of connection—both within their team and with customers—and strives to create a welcoming, trust-based environment for everyone she works with.

Outside of work, she enjoys spending time with her daughter at cheer, soccer games and basketball. She is an animal lover, and her kitty Mango is spoiled! You can always find her looking for opportunities to grow personally and professionally and teaching those qualities forward to her team.

Our team

Andrea Early

Agency Owner

Veronica Lopez-Velez

Licensed Sales Team Lead

Frequently asked questions

What are your agency hours?

Monday: 8:30 AM - 5:30 PM
Tuesday: 8:30 AM - 5:30 PM
Wednesday: 8:30 AM - 5:30 PM
Thursday: 8:30 AM - 5:30 PM
Friday: 8:30 AM - 5:00 PM
Saturday: 9:00 AM - 1:00 PM
Sunday: Closed

Are you open on weekends?

Saturday: 9:00 AM - 1:00 PM
Sunday: Closed

Can I text your agency with questions?

No, we do not have text messaging services.

What languages do you speak?

We have staff members available who speak the following languages: English, Spanish

Do you have more than one location?

No, this is our only location.

Early Edge Insurance is insurance licensed in the state(s) of Illinois and Missouri. If you do not reside in the state(s) of Illinois or Missouri, please go to the Find an Agent section on allstate.com to search for another Allstate Agent or Personal Financial Representative.

Based on coverages selected. Subject to terms, conditions, availability & qualifications.

This material is intended for educational purposes only. Auto and homeowners insurance, and other property and casualty insurance products, are available from Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company, Allstate North American Insurance Co. and Allstate Fire and Casualty Insurance Company (Home Offices: Northbrook, IL); Allstate New Jersey Insurance Company and Allstate New Jersey Property and Casualty Insurance Company (Home Offices: Bridgewater, NJ); and Allstate County Mutual Insurance Company and Allstate Texas Lloyd's (Home Offices: Irving, TX). This life insurance information is provided for general consumer educational purposes and is not intended to provide legal, tax or investment advice. Allstate life insurance issued by Direct General Life Insurance Co., 911 Chestnut Street, Orangeburg SC 29115; American Heritage Life Ins. Co., 1776 American Heritage Life Dr., Jacksonville FL 32224. Life insurance also offered and issued by third party companies not affiliated with Allstate. Each company is solely responsible for the financial obligations accruing under the products it issues. Product guarantees are backed by the financial strength and claims-paying ability of the issuing company.

you're in good hands^®