You already know that car insurance is non-negotiable for drivers in Wisconsin. What you may not know is that having the right coverage could mean the difference between experiencing a minor setback or facing financial ruin. At Killey Insurance, we help you make important decisions about your car insurance, from selecting the right coverage to choosing a deductible. Our team is always available to answer your questions and point you in the right direction long after the ink has dried on your policy.
Why Quality Coverage Matters
What would you do if you caused an accident that totaled both vehicles involved and resulted in injury-related medical expenses for you, your passengers, and the victims in the other car? The costs could total hundreds of thousands of dollars – money you are personally liable for if you do not have adequate insurance protection.
The average person will file multiple car accident claims in his or her lifetime. It is even more likely a driver will need to file a non-collision claim for common damages like rock chips and hail damage. If you have the right coverage, you can trust your insurer to take care of your losses with little out-of-pocket expense to you.
Types of Wisconsin Car Insurance
There are many different types of coverage available to Wisconsin drivers. Some are mandatory, and some are optional, but all of them are beneficial for drivers who want complete protection against the risks that come with owning and driving a vehicle. Some of the most common car insurance coverage types include:
If you collide with another vehicle, your collision insurance assures that your car will be repaired or replaced according to the terms of your policy. You need only pay your deductible.
Rental Car Coverage
Rental car coverage helps pay for temporary transportation after a collision.
If your vehicle is damaged, lost, or destroyed due to an event other than a collision, comprehensive insurance can help cover your loss. From theft and vandalism to fire and falling trees, the only out of pocket cost is your deductible.
All it takes is one accident to spur a lawsuit that threatens your entire financial future and everything you have worked hard to achieve. When you cause an injury or damage to someone else’s personal property, you could be held liable for the medical bills, legal fees, and other expenses related to the loss.
Medical Payments Coverage
This is coverage that assures you have access to medical care if you or your passengers are injured in an accident, regardless of who was at-fault.
Uninsured and Underinsured Motorist Protection
Many drivers operate their vehicles without adequate liability insurance coverage. If you are hit by one of these drivers, you might find the coverage on their policy is not enough to pay your bills or help you recover your losses. You can purchase uninsured motorist protection and underinsured motorist protection to help fill in the gaps.
It’s not a good feeling to be stranded on the side of the road. This type of coverage kicks in to pay for towing expenses, lockout fees, and flat tire assistance when things don’t quite go as planned.
Car Insurance Discounts
At Killey Insurance, we recognize that car insurance is worth much more than the price you pay for premiums. We are big proponents of a good value – but never at the expense of our customer’s financial security. Choosing a bare bones policy might save pennies up front, but it could cost you thousands in the future. By working with an independent agent, you can ensure you are getting a policy that meets all of your needs at a low, competitive price you can afford.
We shop for rates from multiple Wisconsin carriers, and we search for discounts that can help lower your costs. Some of the most common car insurance discounts include:
- Multiple vehicle discounts
- Multiple policy discounts
- Safe driver discounts
- Driver education and safety course discounts
- Good student discounts
- And more!
For more information about Wisconsin and Eau Claire area car insurance or to request your free quotes, contact our office today.
Other Auto Insurance Related Posts…
- Advertised Insurance Features – Part Two
- Advertised Insurance Features – Part One
- Six Reasons Why You Need Car Insurance – Part Two
- Six Reasons Why You Need Car Insurance
- The Cost of Car Insurance