Turn on the TV or radio, and you are bound to find an ad for Wisconsin auto insurance. While you can purchase coverage from nearly anywhere, only an independent agent can offer you selection, service, and coverage personalized to meet your needs. At G&L Insurance, it is not enough to sell you a cookie-cutter policy. Instead, we get down to the brass tacks, carefully assessing your risks and exploring your options. From minivans and SUVs to luxury sedans and pickup trucks, we will work to ensure you get all the coverage you need at a price you can afford.
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.
Types of Auto Insurance Coverage
Auto insurance is highly personalized coverage designed to protect the investment you make in your vehicle and also safeguard your income and assets against an accident-related lawsuit. We offer a wide range of coverage options, many of which can be personalized to suit your needs. Examples include:
Liability Insurance
The State of Wisconsin requires that all drivers carry a minimum amount of liability, but it often falls short of meeting the financial demands of a lawsuit. If you are sued for property damages, bodily injury, or an accidental death, make sure the coverage on your auto insurance is enough to take care of any judgments against you.
Collision and Comprehensive Damages
Vehicles can be easily damaged, whether due to a car accident, vandalism, inclement weather, or some other covered event. Collision coverage helps pay for repairs or replacement of your vehicle if it is damaged in an accident. Likewise, comprehensive insurance can help pay for repairs or replacement, but only for non-accident related events, such as a cracked windshield or a theft.
Uninsured/Underinsured Motorist
When motorists are injured by hit-and-run drivers, they may never recover reparation for their loss from the at-fault party. If you are injured by a driver without insurance or with too little insurance, your uninsured/underinsured motorist coverage can help protect you against loss.
Medical Payments
You should not have to wait to receive medical attention after an accident. Regardless of who is at-fault, medical payments coverage helps ensure you and your passengers have access to medical care right away if you are injured in a collision.
Roadside Assistance and Towing
No one wants to think about a breakdown, but sometimes, they happen. If you are stranded on the side of the road, 24-7 roadside assistance can ensure you have access to fuel, lockout help, flat tire changes, and even towing when necessary.
Need Help? Give Us a Call
At G&L Insurance, we are here for you long after the ink dries on your policy. If you wake up to a stolen car or find yourself involved in an accident, we can help walk you through the claims process from beginning to end.
Request an Auto Insurance Quote
There are many reasons to request an auto insurance quote from G&L Insurance. You could be purchasing a new car and need quality coverage. Maybe you have been building your own insurance online without the help of an agent. Perhaps you have only worked with carrier agents and would like the freedom of choice that comes with an independent agent. Whatever the reason, we welcome the opportunity to serve your coverage needs. Give us a call today to request your free West Bend auto insurance quote. We look forward to serving you soon.
