Don’t Let an Automated Website Tell You What Auto Insurance Policy is Right for You
Selecting the right auto insurance policy can feel like a monumental task. When you look at car insurance quotes online, you’re often bombarded with an overwhelming number of options, quotes, and coverages. Do yourself a favor and let us help you select a policy that’s right for you. At Smith Insurance, we have years of experience helping residents of southeastern Wisconsin choose a policy that provides the right coverage at the right price.
If you and your vehicle were involved in a serious accident, do you know for a fact that you would be covered? Understanding what your policy covers and what it doesn’t is important. Don’t be caught off guard with inadequate or incomplete coverage. We’re here to evaluate your current policy, identify any gaps, and provide you with customizable and affordable auto insurance quotes from a number of insurance companies. Since we work with dozens of insurance companies that are competing for your business, you will have a variety of options to choose from. Regardless of your needs, we will tailor the right package for 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, personal injury protection 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.
The Right Coverage – For Less!
Contrary to what you may have heard, working with an independent insurance agent not only provides you with the right policy for your particular situation – it can also save you money in the process. Many of the companies we represent offer discounts for people with good driving records, students with good grades, multi-vehicle policies, paid-in-full discounts, and more! Our agents will work with your budget and alert you of any discounts you qualify for.
Perhaps one of the most basic car insurance coverage types is that of physical damage or otherwise referred to as collision. Collision coverage will pay for the repair or replacement of your vehicle if you are involved in an accident – regardless of who is found to be at fault.
If your vehicle is damaged or incurs a loss by something other than a collision, like a covered natural disaster, fire or burglary, comprehensive coverage will help pay for costs associated with the damage done.
We can help you determine the right amount of auto liability coverage you should be carrying. In Wisconsin this is a required coverage that will cover others for injuries, damages, or losses should you be found responsible for their loss.
Uninsured/Underinsured Motorist Coverage
It’s probably no surprise to you that not everyone on the road carries auto insurance coverage. And for those that do, many carry state minimum limits which may not be enough for certain losses. If you are involved in a hit-and-run or accident where another person is at-fault, and they are uninsured or underinsured, UI/UIM will step in to cover you and your family for medical expenses, pain and suffering or lost wages due to the accident.
Rental Car Reimbursement
If your vehicle is out of commission due to an accident or damage, rental car reimbursement coverage will provide you with a rental car while yours is being repaired.
Don’t be left stranded if your vehicle breaks down. We want you to get back to your adventure as soon as possible. Ask about policies that include roadside assistance.
About Smith Insurance and Financial
At the Smith Insurance Agency, we’re experienced, understanding and dedicated. As a result, our clients are consistently satisfied knowing they are in the best hands possible. We take the time to get to know our clients and their individual insurance needs. Schedule your one-on-one consultation with us and allow us to tailor an auto insurance policy for you and your family.
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The information and descriptions contained are not intended to be complete descriptions of all terms, exclusions and conditions applicable to every insurance product or service, but are provided “as is” and for general informational purposes. Contact Smith Insurance and Financial, Inc. for specific coverage information with regard to your policy.