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.
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.
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.