Craig Spratt

I was born and raised in Northeast Missouri and have been living in the area my entire life. I am blessed to have raised a family of 5 kids with my wife Judy. I became a State Farm Employee in 1986 and went on to become a State Farm Agent in 1996 .I have two offices one being in Palmyra, Missouri and the other in Hannibal Missouri. I love being a citizen of the great State of Missouri and being able to provide a service to this area. My goal is to make sure that every customer is meeting their insurance needs whether it is small or big , we will take it on together. My team and I are ready to help you prepare for the future and look forward to meeting you in person.

On my time off I love spending time with my kids and grandchildren. I am a sports fan and love to watch St Louis baseball, so if anyone needs some sports stats come by the office and lets chat. I am a School Board Member, Meals on Wheels driver, Kiwanis Club Member, and a Lifetime Church Deacon Board member.

Please drop by one of my offices in Palmyra, MO or Hannibal, MO to meet our team!

Frequently Asked Questions (FAQ)

Q: How do I get car insurance quotes?

A: Getting a car insurance quote is easier than you might think. You can start online, give our office a call, or stop by to talk through your options. We'll help walk you through coverage choices and help you find something that fits your needs. Craig, your local State Farm agent in Palmyra, MO, is here to help.

Q: How fast can I get car insurance?

A: In many cases, coverage can start the same day you decide to move forward. We can help you get set up quickly so you're covered and ready to go. Connect with Craig for insurance guidance in Palmyra.

Q: What kind of insurance do I need for a leased vehicle?

A: If you're leasing a vehicle, the requirements are usually a bit higher than standard coverage. In most cases, you'll need liability, comprehensive, and collision coverage, and the leasing company may need to be listed on your policy. We're always happy to walk you through exactly what's needed. In Palmyra, you can count on Craig for personalized service.

Q: Do you need to carry insurance on your home?

A: Homeowners insurance requirements can vary depending on your state and situation, but most lenders will require it if you have home financing. Even when it's not required, many homeowners choose to carry coverage to help protect their home and financial well-being from unexpected events. Craig is here to help your Palmyra household feel covered.

Q: What's included in renters insurance coverage?

A: Renters insurance can help protect the things you've worked hard for, like your furniture, clothing, and electronics. It may also help with liability if someone is injured in your home, and even assist with temporary living expenses if you have to move out due to a covered loss. Looking for coverage? Talk with Craig about your options in Palmyra.

Q: How does a life insurance policy actually function?

A: Life insurance provides a payout to your beneficiaries if you pass away while the policy is active, helping offer financial protection. Craig is proud to serve the Palmyra community.