Owning a car and having an insurance policy go hand-and-hand, but the biggest mistake people can make when buying an insurance policy is to not take enough time to figure out what the perfect insurance policy is for them. Herein lies the problem, how do you know what the perfect insurance policy is? The best policy, with the best coverage at the right price; that is what you should be after and that is how we want to help you.
When you bought your car, you didn’t just pick the first one you saw on the lot, did you? Seek the advice from an industry professional; don’t blindly buy an insurance policy. The insurance company that is right for Person A, may not be so good for Person B. We can help you shop around to get the best rates and coverage. As time goes on a simple phone call to us is all it takes to have us review your current policies, make updates where needed, and check your rates with other insurance companies to insure you’re covered by the right company.
So what are the possible risks of carrying an insurance policy with poor coverage or no coverage at all? If you go un-insured or under-insured, you could be at serious risk of a total loss of your vehicle and additional out of pocket expenses (including property damage and medical expenses) due to an at-fault accident. Getting the right insurance policy doesn’t have to be hard and it could save you ten’s of thousands of dollars in potential losses as a result of a bad car accident.
Make sure you get the facts, get rates from several companies, and make sure that your policy carries the coverage you need in case of a loss.
Auto Insurance Quotes
We offer free auto insurance quotes and work to insure that you receive competitive prices by running your information through and receiving a comparison from several different insurance companies.
Companies we quote with include Acuity, Auto Owners, Foremost, General Casualty / QBE, Progressive and Wisconsin Mutal. Your auto insurance rates will vary depending on the value of your vehicle, your age, gender and driving record. When determining the right policy for you, it is important to work closely with your agent to be sure that you are getting the best coverage for your situation so that you can rest easy knowing that if an accident happens, you are covered. It is recommended to always work with a trusted insurance agent and not to buy a policy without first consulting with an agent. If you are shopping for a new policy and do not fully understand the coverages and are looking only for the cheapest insurance, it may cost you more in the event that there is an accident and you are not fully covered.
Our agency is licensed to sell home insurance in Wisconsin, Iowa and Illinois. Our main office is located near Madison WI where you can visit anytime during normal business hours. You can receive a free auto insurance quote by completing our online auto insurance quote form or pdf (which can be mailed, faxed or hand-delivered) or simply calling us directly at (608) 831-3168 and have your quote completed over the phone by our knowledgeable agents.
Auto Insurance Coverages
Standard coverage(s) on auto insurance policies include liability coverage, comprehensive coverage, and collision coverage. Other additional coverage can include uninsured/underinsured motorist, loan and lease (GAP) payoffs, medical payments, custom parts and equipment, rental reimbursement, and towing reimbursements.
Covers you for property and bodily damage you do to others in result of an accident. These things might include payments for lost wages, medical bills, pain and suffering, vehicle repair, vehicle replacement, and legal defense costs.
This coverage pays to repair or replace your vehicle in the event of an accident when your auto collides with another vehicle or object. As with comprehensive coverage, most people who purchase this coverage are those driving newer vehicles who would find it financially unsound to withstand a large out-of-pocket loss as a result of a motor-vehicle accident.
Comprehensive Insurance Coverage covers your vehicle in case of losses resulting from incidents other than collision. Some examples of this might be damage from hail, flood, fire, glass breakage, vandalism, animals, or theft. Typically people driving newer/valuable cars add this if they deem that it is worth it and if anything were to happen to their car, it will be repaired or in case of theft, replaced.
This coverage pays for injuries and possibly property damage in the event that you are hit by a motorist who is inadequately insured. They may be carrying no coverage, too little coverage or ignoring their responsibilities, may flee the scene entirely (whether they are insured or not).
This coverage pays medical providers for expenses that arise in the case of an at-fault or not-at-fault accident. Providers this coverage may pay for include doctors, hospital visits, trauma centers, massage therapists, physical rehabilitation, and chiropractors.
Loan/Lease (GAP) Payoff Coverage
This coverage is set in place when you have an existing loan on a car and in the event of an accident (total loss), it covers the existing gap between the Actual Cash Value of the car and the amount left on the loan.
Covers the cost of towing in case of a break-down or accident. This coverage is typically inexpensive and unless your car has a history of break downs can easily be added to your policy.
Covers the cost of operating a rental car in the result of a car accident. This is sometimes includes in auto policies however if not already included is generally very inexpensive to add to your policy. This additional coverage will normally cover 30 days of rental usage, allowing you adequate time to repair or replace your vehicle.
Need Auto Insurance?
If you need car insurance and are located in Wisconsin, Illinois, or Iowa please feel free to call (608) 831-3168 or request a quote online. If you are nearby in Madison or nearby suburbs including Black Earth, Cottage Grove, Cross Plains, DeForest, Fitchburg, McFarland, Middleton, Monona, Oregon, Stoughton, Sun Prairie, Verona, Waunakee and Windsor we welcome you to visit our agency in person where we can answer all of your insurance related questions and get you setup with a new policy.