Are you paying more for car insurance than you have to? Instead of shopping around for the most affordable rates on the coverage they need, many Clear Lake & Altoona drivers settle for higher premiums or otherwise cut their coverage to make it more affordable. At Lillie-Couch Insurance, we believe that high-quality coverage should be affordable and accessible for all drivers. As an independent agency, we take the guess work out of shopping for car insurance.
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, or 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.
Wisconsin Car Insurance Requirements
Like every other state, the Badger State means business when it comes to responsible driving. All drivers are required to carry proof of financial responsibility, which includes a minimum amount of liability and uninsured motorist protection. These include:
- $25,000 per person Bodily Injury Liability
- $50,000 per accident Bodily Injury Liability
- $10,000 per accident Property Damage Liability
- $25,000 per person Uninsured Motorist Protection
- $50,000 per accident Uninsured Motorist Protection
Most people opt for higher liability limits than are required by state law. Though all of our insurance policies meet state standards, we recommend increased coverage that provides protection against lawsuits when you are at-fault for an accident. The more liability insurance you have, the less likely you are to pay money out of your own pocket if you are sued. We will be happy to assist you in evaluating your individual insurance needs and determining how much coverage is right for you.
Medical Payments
Unless rejected in writing, all Wisconsin auto insurance policies automatically include a minimum of $1,000 medical payments coverage. This important coverage can help pay for medical or funeral expenses for you or your passengers after an accident, regardless of who is at-fault.
Additional Car Insurance Coverage
There are several additional forms of car insurance coverage that can save you thousands of dollars in an accident or in another covered event. We recommend including them with your policy to minimize your out of pocket expenses when faced with a sudden emergency. These include coverage for:
Collision Claims
Collision insurance takes care of the damages to your own vehicle when you collide with another vehicle or object. You are only responsible for paying the deductible selected for your policy, and insurance takes care of the rest. Be sure to talk with your insurance agent if you need coverage for any specialty after-market parts or equipment that may not be protected by your standard coverage.
Comprehensive Claims
Not all vehicle damage comes from car wrecks. If someone maliciously vandalizes your car in a parking lot, comprehensive insurance can take care of the body work. This type of coverage typically pays for non-accident claims, including those caused by inclement weather, fires, theft, vandalism, and more.
Emergency Roadside Assistance
From time to time, everyone needs roadside assistance. Perhaps you need your vehicle towed after an accident, or maybe just a locksmith to let you into your locked car. From fuel delivery to assistance changing a flat tire, this type of coverage will get you back on the road in no time.
Rental Car Reimbursement
Insurance may cover your vehicle if it is damaged, stolen, or totaled, but repairs can take days or even weeks. Even if you are choosing a new vehicle, you will want time to test drive your options and compare prices. Rental car reimbursement can help you cover the costs of temporary transportation until your car is repaired or you find another vehicle.
Clear Lake, WI Car Insurance Quotes
When you trust Lillie-Couch Insurance, you aren’t dealing with a big corporation or pushy sales agent. Instead, you are working with a well-known, local agency that is actively involved in the same community that you are. With us, you will never be just another customer account. We are beside you every step of the way — just like family. To request your free car insurance quotes, contact our office today. We look forward to getting to know you in the future.
