If you own, lease, or drive a car in Wisconsin, you need insurance. With an auto insurance policy from Insurance Innovations, Inc, you get first-class coverage and excellent customer service from a team you can count on to be with you no matter where the road may lead. As independent agents, we work for our clients – not the insurance companies. We have a reputation for putting you first; and quite frankly, we would like to keep it that way.
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 Coverage
When it comes to choosing your coverage, don’t make your decision alone. As a driver, you face many different risks that could threaten the investment you made in your vehicle or even your income and assets in case of a liability. Even a ‘small’ mistake on your coverage could jeopardize your income and assets. Instead, rely on our office to assess your risk and help close gaps in your coverage.
We offer policies that can include:
If you cause an accident, the damage could be minor, or it could be very serious. From small fender benders to multiple-car pileups, your liability coverage helps pay for victims’ medical bills, lost wages, property damage, and more. It can even help cover your legal costs if you are sued for damages.
Collision and Comprehensive
If your vehicle is damaged in a collision, your car insurance can help pay to repair or replace it. Likewise, damages or loss caused by vandalism, theft, fire, inclement weather, and other events could be covered under the comprehensive coverage of your policy.
If another driver hits you, he or she may be responsible for paying for your property damages and injuries. If that driver has too little insurance or no insurance at all, or if you are the victim of a hit-and-run, you can rely on uninsured or underinsured motorist coverage to see you through.
If you and your passengers are injured in an accident, you should not have to wait to get the medical attention you need. Medical payments coverage helps ensure you get the medical care you need in a timely way, regardless of who is at-fault.
If you experience a lock-out, have a flat tire, or run out of fuel, your car insurance can help pay for assistance 24 hours a day, 7 days a week.
Multiple Cars? Give Us a Call
If you are a multiple-car household, do not make the mistake of purchasing multiple individual insurance policies. Instead, let the helpful team here at Dough Hansen Insurance provide a custom auto insurance policy that includes streamlined coverage for all of your vehicles –perhaps even with a multiple-vehicle discount.
Milwaukee Auto Insurance Quote
You can get car insurance anywhere, but only an independent agent can give you ongoing support, a wide selection of carriers, and professional advice custom-tailored to your individual needs. We will work with you to find the right fit for you based on a wide range of factors, such as the type of vehicle you drive, your daily commute, your total assets, and more. If you live in Grafton, Thiensville, Mequon, or the greater Milwaukee area, contact Insurance Innovations, Inc to request your free auto insurance quote today. We look forward to serving you soon.