Working with a reliable and trustworthy insurance agency can make all the difference should you ever have to file a claim. GOEBEL Insurance & Financial can help you find the appropriate auto insurance policy for your coverage needs and budget. We have extensive knowledge regarding the risks facing drivers who live in Southeast Wisconsin and experience with calculating the potential costs of a loss.
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.
Major Coverage Auto Insurance
Auto insurance policies are different, based on the coverage you require. Some major auto insurance coverages are required by state law. When purchasing a policy, consider the following potential coverage needs:
Collision Coverage – Collision coverage pays for repairs after a collision with another vehicle. It will contribute towards a replacement for your vehicle if it is a total loss.
Comprehensive Coverage – Not all accidents are collisions with other vehicles. Comprehensive insurance covers events such as engine fires, hail damage or hitting a deer. There are several deductible options available.
Bodily Injury Coverage – Depending on your policy’s coverage limits, this will pay compensation for bodily injuries or death as a result of an auto accident. Some of the types of expenses that this covers could include medical bills, loss of income and other related losses.
Property Damage – If you’re found to be responsible for an accident and property damage occurred, this part of the policy would pay for the repairs. Typically, this coverage will pay for damage to another vehicle, a business, a home, a fence and other similar structures.
Uninsured & Underinsured Motorist – Not everyone has proper insurance coverage, or in the cases of some irresponsible people, some have no insurance at all. Carrying Uninsured and Underinsured Motorist coverage, otherwise known as UI/UIM, would pay for damage should an accident occur with a driver occur.
Get Savings with Bundles & Discounts
At GOEBEL Insurance & Financial, we offer an assortment of policies and some discounts are offered when you bundle your auto insurance with other policies, such as a homeowners’ policy. Additionally, other potential discounts could include a multi-car discount, good driver discount, good student discount, and a safety equipment discount for having a car with such features as airbags.
Contact Us for Your No-Obligation Auto Insurance Quote
Call us today to make an appointment or visit our local office in Fond du Lac, WI, for a consultation with one of our experienced insurance agents. We can help you find the right coverage for your vehicles and your auto insurance needs. Contact us now to get started!