When it comes to car insurance, you should never have to sacrifice quality for value. Here at Stauffer-Klug Insurance, we have one goal: saving you money on the coverage you need. We are an independent agency, working on behalf of our customers to provide car insurance quotes from several of the leading car insurance companies throughout Wisconsin. If we can’t save you money, we’ll tell you. It’s as simple as that.
Have you ever been in a car accident? Statistics show that the average driver will file a claim for an average of three to four accidents in their driving lifetime. From minor fender benders to major collisions, an accident can cost a driver thousands of dollars in repair costs and liability expenses. In some cases, it can even cost your life savings – especially if you do not have the right car insurance coverage.
For example, imagine taking your convertible out of the garage for a Sunday drive. You wind a turn too fast, losing traction and sending you into the side of another vehicle. The driver inside the other vehicle is hospitalized, requiring weeks of surgeries and rehabilitation. Not only do you face a high repair bill for your own vehicle, but you are responsible for covering the repair costs of the vehicle you hit as well. Later, you are slapped with a quarter-million-dollar lawsuit for the victim’s medical bills, lost wages, and pain and suffering. How do you pay for the damages? If you do not have adequate liability insurance, you may be forced to liquidate your savings or have your future wages garnished until you can repay the debt.
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.
Wisconsin Car Insurance Coverage Options
There are several types of coverage options to choose from in Wisconsin. It is important to keep in mind that the most affordable insurance on paper is not always the most affordable long-term. That is why we here at Stauffer-Klug Insurance weigh individual risk factors and affordability against each other until we find the policy that is right for you. Your complete car insurance coverage package can include:
This is protection for your personal assets when you cause loss or injury to a victim in an accident. Liability can cover property damages, medical bills, lost wages, legal defense fees, and more. We can help you determine how much liability insurance you might need to protect yourself in the event of a collision.
If your own car needs repairs or replacement after an accident, collision insurance can help pay the bill. You pay a small deductible, and your insurer will take care of the rest.
When your car is damaged or lost due to another type of covered event other than a collision, comprehensive protection has you covered. Examples of common comprehensive insurance claims include car theft, break-ins, cracks in windshields, and more.
If you are the victim of a hit-and-run, there is a good chance you will be on the hook for your own car damages. The same thing may hold true if you are hit by an underinsured motorist who lacks adequate coverage to pay for your car’s repairs.
Saving Money on Wisconsin Car Insurance
At Stauffer-Klug Insurance, we put our customers first. We will not waste your time by pushing you into a policy you do not need and cannot afford. Instead, we will help you compare insurance options from several of the state’s leading carriers. We can break down a policy’s coverage, and show you how to save money on premiums by raising your deductible or qualifying for one or more discounts.
If you are looking for affordable, high-quality Wisconsin car insurance, contact our office to request your free quote. We look forward to serving you soon.