Car insurance is not hard to come by in Wisconsin, but high-quality coverage at an affordable price may not be as easy to find. For drivers in De Pere and the greater Green Bay area, car insurance has to meet a high standard. Anything less is a waste of money and could put you at risk of major losses and damages. At Brian Van De Hey Insurance, we make it our job to find the most competitive prices on Wisconsin car insurance – all without sacrificing coverage. Our job is to put money back into your pocket now, and save you money on out-of-pocket expenses later.
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 and improve your credit 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.
How Much Car Insurance Do You Need?
The State of Wisconsin is happy to tell you exactly how much car insurance you need. Legally, you must carry a minimum of $10,000 in property damage liability, as well as $25,000 in individual bodily injury liability with at least $50,000 available per accident. You are also required to carry uninsured motorist protection that pays for your own family’s bodily injuries if an at-fault driver does not have insurance. While these coverage limits are certainly a start, they do not come close to providing the protection you might really need in an accident.
Consider the following scenario:
Your teenage daughter is driving home from her job on a foggy Saturday evening. She doesn’t see the cars stopped in front of her on the road, causing her to rear-end two vehicles. The damages to your family vehicle total thousands, as do the damages to both of the victims’ vehicles. Your daughter and the victims suffer some moderate injuries, and one of the victims is unable to return to his career in construction after the accident. Not only are you faced with medical bills and car repairs, but the victims sue your family for a half-million dollars in damages, medical expenses, lost wages, and pain and suffering. With only the minimum liability coverage, you face the possibility of paying hundreds of thousands of dollars out of your own pocket – either by liquidating your assets or garnishment of your future wages.
De Pere Car Insurance Coverage
As a driver in De Pere, Wisconsin, your car insurance options are endless. You can choose from a wide range of coverage types, limits, and deductibles until you have a policy that fits your needs. Whether a tree falls on your car, you collide with another vehicle, or you suffer whiplash in an accident, we have the coverage you need. Here at Brian Van De Hey Insurance, we work with our customers to fill in risk gaps and provide financial security for the future. We work with insurers who offer protection for:
- Bodily Injury and Death Liability
- Property Damage Liability
- Medical Payments
- Uninsured/Underinsured Motorist
- Emergency Assistance
- Rental Car Reimbursement
- And More!
Contact our office to discuss your car insurance options and find out more about how we can save you money on the coverage you need. In addition to shopping and comparing rates from multiple insurers, we can also help you identify potential discounts that could save you money on premiums. Some of the most common car insurance discounts our customers qualify for include:
- Safe driver discounts
- Claims-free discounts
- Multi-policy discounts
- Good student discounts
- Low mileage discounts
- Anti-theft/safety feature discounts
Call us today to request your free quote. We look forward to serving you soon.