Shopping for car insurance isn’t a hassle when you work with Erica Boll Insurance. As your hometown independent agency, we know you want the right coverage at affordable prices without the trouble of shopping around for it yourself. At our office, we make it easy to shop and compare rates on the coverage you need from one convenient location right here in New Holstein, Wisconsin.
Why Use an Independent Agent for Wisconsin Auto Insurance?
Wisconsin drivers have many options when it comes to car insurance. You could shop directly with an insurance company and only have access to the coverage, rates, and discounts from a single carrier. You could shop online for simplicity, but risk tens of thousands of dollars in personal losses if you later find your DIY policy is insufficient to meet your needs. Alternatively, you could consolidate your efforts with a single independent agent who will shop and compare rates from multiple companies and help get you all the coverage you need to minimize your exposure to risk.
Types of Wisconsin Car Insurance Coverage
All Wisconsin drivers need car insurance. Not only is it required by law, but it can also protect you against a devastating financial loss. We offer policies that include a wide range of coverage, some of which include:
Wisconsin wants all drivers to have liability protection, but the state minimum coverage often falls short of an actual financial liability in an accident. Your liability coverage will be split into three different limits – property damage, individual bodily injury, and total combined bodily injury per accident. Property damage liability covers repair or replacement of other people’s property when you are at-fault for the damages. Bodily injury coverage helps pay for victim expenses related to injuries sustained in an accident. This can include medical bills, lost wages, and more.
These expenses can easily total tens of thousands of dollars or more – especially if you injure more than one person in an accident. If you exhaust the limits of your coverage, you might have to pay out-of-pocket for any remaining damages. We recommend working with us here at Erica Boll Insurance to determine which levels of coverage can better protect your income and assets from liability and lawsuits.
Collision and Comprehensive
Collision and comprehensive are two separate coverage types, but each is designed to cover the cost of repairing physical damages to your vehicle. They can also reimburse you for the cash value of your loss if your car is damaged beyond repair. They differ in the types of events they cover, with collision paying for damages caused by car accidents and comprehensive covering damages caused by non-collision events like fire, theft, or vandalism.
Although car insurance is mandatory, there are still many people who drive without coverage. If you are injured by one of them, uninsured motorist protection helps pay for your injuries and other related losses, such as lost wages. Similarly, underinsured motorist coverage helps fill in coverage gaps when an at-fault driver has too little coverage to meet your needs.
At Erica Boll Insurance, we can help you customize your auto insurance policy with personalized details that give you added peace of mind and a few extra layers of protection. Examples include coverage for rental cars, towing, or roadside assistance.