Car insurance: all drivers in Wisconsin need it, but it can leave you with a lot of unanswered questions. For example, you know you need enough insurance to protect you from a major financial loss, but how do you balance finding the right coverage without shattering your budget? Corporate commercials tout low rates if you go online to ‘save’, but how do you know if you are getting the most bang for your buck? How do you know you are even getting the right coverage at all? And what if you need help filing a claim? Who is going to be there to walk you through the process? It shouldn’t be this complicated.
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.
Car Insurance Coverage Customized to Fit Your needs
At Feivor Insurance, we make buying car insurance simple. Our small town agency is all about serving drivers in the greater Shawano, Wisconsin area. Our biggest priority is you – not the insurers. Instead of putting the burden on you to shop around for coverage, we offer access to a wide range of insurers under one roof here at our independent agency.
Your policy may include several types of coverage, such as:
If you are sued for injuries or damages you cause in an accident, liability can help cover your financial responsibility. From medical bills and settlements to legal fees and more, it is important to have enough liability to protect your personal income, savings, and assets from a lawsuit.
When other drivers have no insurance or inadequate coverage, victims pay the price. Uninsured and underinsured motorist protection helps cover your losses if you are the victim of an underinsured driver, uninsured driver, or a hit-and-run driver.
When you or your passengers are injured in an accident, medical payments coverage helps pay for medical expenses regardless of who was at-fault. Even if you have health insurance, this type of protection can also help cover the cost of co-pays, coinsurance, and health deductibles.
If you damage your car in an accident, collision coverage can help you get it up and running again in no time. Simply pay your deductible, and your insurance company helps pay for the rest. Even if your vehicle is damaged beyond repair, collision can help cover the cost of a replacement.
When your car is damaged as a result of a non-collision event, comprehensive helps take care of the loss. This typically applies to damages and losses caused by inclement weather, vandalism, theft, fire, and more.
If you find yourself on the side of the road, look to this coverage to help cover your towing costs or other emergency services. From flat tires to lockouts, you never know when this type of protection could come in handy.
Rental Car Reimbursement
Collision and comprehensive may pay for your car repairs, but what will you drive while your vehicle is in the shop? Rental car reimbursement helps cover the cost of temporary transportation when you are unable to drive your own vehicle after an accident.
Affordable Shawano Car Insurance
At Feivor Insurance, our job is to help you select the policy and coverage that is right for you at a competitive price you can afford. Whether you have one car or several, we can customize a policy with all of the coverage you need and none that you don’t. We will work hard to find you quality protection, and we will search for discounts that could help lower your costs.
For more information about affordable car insurance in the greater Shawano area, contact Anthony at Feivor Insurance today.
Other Car Insurance Related Posts…
- Preparing for Winter Driving
- How to Insure Your Electric Bike
- Your Guide to Insurance on Electric Cars in Wisconsin
- Car Insurance Comparison Shopping
- How to Find Affordable Auto Insurance