Whether you are a new driver or have decades behind the wheel, driving a car comes with risks. At River City Insurance Agency, we help drivers like you find affordable, qualify auto insurance that protects against the financial risks associated with owning and operating a car. As your local independent agency, we can help you shop and save on the coverage you need without sacrificing the quality of your protection.
How Much Coverage Do You Need?
Figuring out your coverage needs shouldn’t be a puzzle. We walk you through the process of selecting your limits based not only on the requirements of the state and your auto lien holder but also upon your actual needs. After all, just one major accident without the right coverage could cost you tens or even hundreds of thousands of dollars in medical expenses, damages to your vehicle, and third-party losses. Our goal is to help you build a policy that safeguards your finances and reduces your vulnerability to risk.
Types of Wisconsin Auto Insurance
Although some auto insurance policies include liability only, we recommend that our customers purchase multiple-coverage policies that take care of a wide range of potential losses. Your auto insurance policy may include coverage for:
Bodily Injury and Property Damage Liability
The State of Wisconsin requires all drivers to purchase bodily injury and property damage liability insurance. The first covers third-party injuries due to an accident for which you are at-fault. The second helps pay for the repair or replacement of third-party property damages. In addition, liability insurance can also help cover your legal defense costs if you are sued for third-party accident-related losses. Since it is not unusual to face very high costs after an at-fault accident, we generally recommend choosing high-limit coverage that can protect you against major out-of-pocket costs.
Collision and Comprehensive
Your lender may require you to purchase collision and comprehensive insurance coverages to help protect the value of your vehicle as the collateral for your loan. However, this coverage also helps protect you against the loss of your investment in the event of an accident or non-collision event that causes damage to or the loss of your car. Generally, collision insurance covers accident-related damages, whereas comprehensive compensates you when your vehicle is stolen, damaged by hail, or damaged due to other covered circumstances. Claims against both types of coverage are typically subject to your deductible.
Uninsured/Underinsured Motorist
When other drivers hit the road without liability insurance, they not only break the law, but they also put you at risk. If an uninsured driver injures you, it could take many months or years to recover compensation for your losses (if you ever recover them at all). With uninsured motorist coverage, you can file a claim against your own insurance for injuries caused by an uninsured driver. A similar coverage – underinsured motorist (UIM) – helps cover your losses if you are injured by a driver who is insured, but has too little coverage to meet your needs.
Medical Payments
If you are injured in an accident, you don’t have time to wait on a lawsuit settlement to get the medical care you need. Medical payments coverage helps pay limited medical expenses when you or your passengers are injured in an accident, regardless of who is at fault. Although it is usually limited to only a few thousand dollars, this could be enough to help pay for your health insurance co-pays or fund a trip to the emergency room after the accident.
Roadside Assistance and Towing
Flat tires, empty fuel tanks, and dead batteries happen to even the most conscientious drivers. If you find yourself stuck in a parking lot or on the side of a road, roadside assistance coverage can help pay for the help you need, whether it is a locksmith, fuel delivery, or even a tow to the nearest repair shop.
Rental Car Coverage
Would you have alternative means of transportation if your vehicle were damaged or destroyed in an accident? With rental car coverage, your insurance can help pay for a temporary vehicle to drive while you wait for your car to be repaired or wait for a settlement from your insurance company to compensate you for a totaled vehicle.
Wisconsin Auto Insurance Quotes
At River City Insurance Agency, we know what our Castle Rock and Petenwell Lake area customers are looking for in car insurance. For most, it comes down to the quality of coverage and affordability – two factors you should not have to compromise on. As an independent agency, we work hard to find coverage in your favor. We shop and compare policies from multiple carriers until we find the protection you need at a competitive rate.
We can also help you find discounts that could further lower the cost of your coverage. Nearly all insurers incentivize their drivers with discounts, although they may vary by type and amount from company to company. Some of the most common auto insurance discounts are available to drivers who:
- Have no recent car insurance claims
- Have a clean driving record
- Enroll in and complete an approved driver’s safety course
- Maintain good grades in school (teen and college-age drivers)
- Purchase other types of coverage from the same insurer (i.e. renters or home insurance)
- Pay policy premiums in full
- Enroll in automated payments
- And more
If you are preparing to buy a new car or need to upgrade your existing auto insurance coverage, we want to help you build a policy that works for you. Contact our office to request your free Wisconsin auto insurance quotes and find out how an independent agent can help you save.
