Finding the right auto insurance at affordable prices doesn’t have to be a stroke of good luck if you know where to look. As an independent agency, we here at Anton Insurance make it easy to shop and compare Wisconsin auto insurance and rates in one convenient location. You will find the competitive rates you are looking for along with the one-on-one service and support you expect from a local community agent.
Choosing Your Coverage Limits
When you choose your auto insurance coverage limits, it is important to consider more than just the mandatory limits required by the state. After all, your auto insurance could be what stands between you and a financially devastating loss if you ever cause a collision that injures another person or damages their personal property. It could also be what helps you cover your own medical bills or replace your vehicle if you suffer injuries or damages in an accident.
If your limits are too low, you could be on the hook for medical bills, legal fees, and any judgments against you that exceed the coverage in your policy. You might also have to contribute your own money toward the cost of a replacement vehicle or otherwise settle for a car you do not want. At Anton Insurance, we can help you select coverage limits for your auto insurance policy that minimize your out-of-pocket costs and potential gaps in your protection.
Types of Wisconsin Auto Insurance
A typical Wisconsin auto insurance policy includes several different types of coverage. Some are required, and some are optional, but all of them can provide valuable protection when you need it most. Examples of common auto insurance coverage types include:
Bodily Injury and Property Damage Liability
If you cause a car accident, you are responsible for the injuries and damages incurred. Whether you run into a light pole, collide with another vehicle, or hit a pedestrian, you could be sued for the property damages and injury-related expenses, such as vehicle repairs, lost wages, and medical bills. Your bodily injury and property damage liability protection can also help you cover the cost of legal fees and defending yourself in court if you are sued after an accident.
Collision coverage pays for repair or replacement of your own vehicle if it is damaged or ‘totaled’ in a car accident, regardless of fault. This coverage is often required by lenders when your vehicle title serves as collateral for a loan. However, we typically recommend collision coverage for all drivers, as it could save tens of thousands of dollars toward to cost of replacing your vehicle.
Comprehensive coverage also protects your vehicle against physical damages, only it extends to the damages caused by non-collision events like theft, vandalism, and hail. It can help cover the cost of repairs or reimburse you for the loss of your vehicle if the cost of repairs exceeds the value of your car.
There are fines and penalties for driving vehicles without insurance in the State of Wisconsin. However, that does not stop many motorists from doing it anyway, ultimately putting you and other drivers at risk. If you are injured by an uninsured motorist or by a driver who has too little insurance to cover your claims, the uninsured motorist and underinsured motorist protections in your insurance policy can help minimize your costs and compensate you for your losses.
If you or your passengers are injured in a car accident, it is important to get the medical attention you need right away. Since it can take weeks or even months to sort out fault for an accident and retrieve compensation for injuries from an at-fault driver, medical payments coverage can provide immediate financial relief, covering things like doctor bills and co-pays for necessary medical care up to the limits of your coverage (usually a few thousand dollars). Since medical payments coverage is no-fault coverage, it pays benefits regardless of who caused the accident.
Roadside Assistance and Towing
Whether you lock your keys in the car or hit a nail in the road, nothing can make a day go sour quite like a break-down. Roadside assistance and towing coverage helps pay for things like fuel delivery, battery-jump, or towing to the nearest repair shop when your vehicle gets stuck on the side of the road.
Rental Car Coverage
If your vehicle is damaged in a collision, rental car insurance helps pay for temporary transportation until it is repaired.
Save Money on Wisconsin Auto Insurance
At Anton Insurance, we prioritize the things that matter most to our customers. We know you want quality insurance at low, affordable rates. That is why we shop and compare coverage from multiple Wisconsin carriers so you don’t have to – a process that saves you time and money.
With the help of your agent, you may also find discounts on your coverage for being claims-free, driving less than average, passing a driver’s safety education course, or purchasing your home insurance from the same insurer. Discounts may also be available to teen drivers who maintain good grades in school or to policy-holders who are willing to pay premiums in full instead of in monthly installments.
To find out more about Wisconsin auto insurance and how an independent insurance agent can help you save, contact our office to request your free quotes today. We look forward to serving you soon.