You already know that car insurance is non-negotiable for drivers in Wisconsin. What you may not know is that having the right coverage could mean the difference between experiencing a minor setback or facing financial ruin. At Jeremy White Insurance, we help you make important decisions about your car insurance, from selecting the right coverage to choosing a deductible. Our team is always available to answer your questions and point you in the right direction long after the ink has dried on your policy.
Why Quality Coverage Matters
What would you do if you caused an accident that totaled both vehicles involved and resulted in injury-related medical expenses for you, your passengers, and the victims in the other car? The costs could total hundreds of thousands of dollars – money you are personally liable for if you do not have adequate insurance protection.
The average person will file multiple car accident claims in his or her lifetime. It is even more likely a driver will need to file a non-collision claim for common damages like rock chips and hail damage. If you have the right coverage, you can trust your insurer to take care of your losses with little out-of-pocket expense to you.
Car Insurance FAQs
How much auto insurance do I need in Wisconsin?
The Wisconsin minimum auto insurance requirements are designed to provide a small level of protection in the event you damage someone else’s property, or you cause harm to another person. In Wisconsin, drivers need a minimum of $25,000 per person and $50,000 per accident for Bodily Injury Liability Coverage and $10,000 per accident for Property Damage Liability Coverage.
What is the best deductible?
The best deductible is what you can afford to pay out of pocket when you file an auto insurance claim. The higher the deductible, the lower your premium will be, and vice versa. A higher deductible means your accepting a more significant portion of the risk yourself. It is best not to take on more risk than you can afford.
What is “full coverage?”
There is no such thing as “full coverage” insurance. Full coverage auto insurance is a term that is used to suggest you have chosen protection that goes beyond the minimum coverage required by your State. It typically includes collision and comprehensive coverage, medical payment coverage, and uninsured and underinsured motorist coverage.
How can I save money on my car insurance?
You can save money on your car insurance by avoiding moving violations, crashes, DUIs, and other incidents. By having a clean driving record, you may also qualify for a safe driver discount. Students may qualify for good student and student-away-at-school discounts. Your vehicle’s anti-theft devices and safety features may also provide more discounts. Paid-in-full, multi-car, and prior carrier discounts are also common.
How long does an auto accident affect my insurance?
A crash won’t impact your car insurance premiums forever. After about three to five years, your rates should recover. Exactly how long this takes will depend on the type of accident as well as the company you are insured with.
Is buying direct cheaper than buying through an agent?
Buying direct is not always cheaper than buying through an agent. You might think that cutting out the middleman would result in cheaper car insurance rates, but when it comes to insurance, this isn’t the case. In fact, an independent agent, one that represents many insurance companies, can often save you money.
What is the best auto insurance company?
The best auto insurance company differs per individual. No insurance company is objectively the best. It all depends on what you’re looking for. Do you want the best customer service, the broadest coverage, or the lowest rates? Or maybe you have unique coverage or underwriting needs? An agent can help you compare car insurance quotes from multiple insurance companies and find the right policy for your situation.
What is the best or cheapest auto insurance rate?
The best or cheapest auto insurance rate can be found by comparison shopping. Compare premiums as well as differences in coverage. An independent insurance agent can help. They can provide options from multiple carriers, along with the expert guidance you need to make a smart choice.
How do I switch to a new auto insurance company?
You can switch to a new auto insurance company at any time, but to avoid overpaying or violating state law, you do need to watch out for a couple of things. Car insurance policies are often sold for coverage periods of six months or one year. In some cases, you may be charged a fee if you decide to cancel your insurance policy early. You may also be entitled to a refund for the unused portion of the premium. You also want to make sure you have continuous coverage to avoid a coverage gap.
Types of Wisconsin Car Insurance
There are many different types of coverage available to Wisconsin drivers. Some are mandatory, and some are optional, but all of them are beneficial for drivers who want complete protection against the risks that come with owning and driving a vehicle. Some of the most common car insurance coverage types include:
Collision Insurance
If you collide with another vehicle, your collision insurance assures that your car will be repaired or replaced according to the terms of your policy. You need only pay your deductible.
Rental Car Coverage
Rental car coverage helps pay for temporary transportation after a collision.
Comprehensive Insurance
If your vehicle is damaged, lost, or destroyed due to an event other than a collision, comprehensive insurance can help cover your loss. From theft and vandalism to fire and falling trees, the only out of pocket cost is your deductible.
Liability Insurance
All it takes is one accident to spur a lawsuit that threatens your entire financial future and everything you have worked hard to achieve. When you cause an injury or damage to someone else’s personal property, you could be held liable for the medical bills, legal fees, and other expenses related to the loss.
Medical Payments Coverage
This is coverage that assures you have access to medical care if you or your passengers are injured in an accident, regardless of who was at-fault.
Uninsured and Underinsured Motorist Protection
Many drivers operate their vehicles without adequate liability insurance coverage. If you are hit by one of these drivers, you might find the coverage on their policy is not enough to pay your bills or help you recover your losses. You can purchase uninsured motorist protection and underinsured motorist protection to help fill in the gaps.
Roadside Assistance
It’s not a good feeling to be stranded on the side of the road. This type of coverage kicks in to pay for towing expenses, lockout fees, and flat tire assistance when things don’t quite go as planned.
Car Insurance Discounts
At Jeremy White Insurance, we recognize that car insurance is worth much more than the price you pay for premiums. We are big proponents of a good value – but never at the expense of our customer’s financial security. Choosing a bare-bones policy might save pennies upfront, but it could cost you thousands in the future. By working with an independent agent, you can ensure you are getting a policy that meets all of your needs at a low, competitive price you can afford.
We shop for rates from multiple Wisconsin carriers, and we search for discounts that can help lower your costs. Some of the most common car insurance discounts include:
- Multiple vehicle discounts
- Multiple policy discounts
- Safe driver discounts
- Driver education and safety course discounts
- Good student discounts
- And more!
For more information about Wisconsin and Cuba city area car insurance or to request your free quotes, contact our office today.
