Choosing cut-rate car insurance is like skipping vehicle maintenance appointments and driving around with the ‘check engine’ light on; eventually, it is going to catch up with you, and it will probably cost you much more than you would have spent by preventing the problem altogether. At Burstad Insurance, we know what it takes to protect drivers against the financial risks behind the wheel. As an independent agency, we shop and compare coverage from several Wisconsin insurers to find first-rate insurance at competitive and affordable prices.
There is a reason so many of our customers stick with us through the years. Where else can you find numerous car insurance quotes combined with personalized, local service and the convenience of multiple office locations throughout Central and Western Wisconsin? We have years of industry experience and can help you select the coverage types and limits that fit your needs. Our policies go beyond state and lender requirements to provide wide-ranging protection for property damages, injuries, third-party liabilities, and more.
Types of Wisconsin Auto Insurance Coverage
A car insurance policy can be lengthy and outline several different types of protection. Our agents take the mystery out of the various coverage types, helping you to make informed decisions about your insurance. Your policy may include coverage for:
Bodily Injury and Property Damage Liability
Liability insurance is a legal requirement to drive a car in the state of Wisconsin. It compensates third-party victims for property damages for which you are at fault. It can also cover medical bills for third-party injuries, as well as legal fees and judgments if you are sued for an accident you caused. Although state requirements only mandate a minimum amount of coverage, we generally recommend high limits for your liability insurance to avoid paying excess damages out of your own pocket. Otherwise, a $50,000 maximum bodily injury limit that meets state requirements could leave you with a big bill in the case of a six-figure lawsuit.
Collision and Comprehensive Damages
The average cost of a used car is approximately $20,000, and new car average prices have surpassed $30,000. Could you afford to replace your vehicle after a total loss? Collision and comprehensive coverages protect you against losses related to physical damages to your own vehicle. If you lease or have a lien against the title of your car, your lender probably requires physical damages protection. If not, it is still a smart buy if you wish to protect your investment in your vehicle.
Generally, collision insurance covers repairs to your vehicle or compensation for its loss if it is damaged in a car accident or rollover. Comprehensive, on the other hand, pays for damages caused by non-collision events like fire, theft, and certain acts of nature. Claims against both types of coverage are subject to your deductible.
Uninsured motorist coverage provides compensation for you and your passengers if you are injured by a driver who has neglected to purchase liability insurance. Instead, you can collect compensation of damages against your own policy. Another type of protection – underinsured motorist – pays for damages when the at-fault driver does not have enough liability coverage to cover your losses.
Medical payments is no-fault injury protection for you and your passengers. It generally pays up to a pre-determined amount – often a few thousand dollars – for necessary medical care after an accident. It does not matter who caused the accident, nor does a medical payments claims take the place of a driver’s potential liability. Instead, it is simply a means by which you and your passengers can quickly collect compensation for immediate medical bills.
Roadside Assistance and Towing
You check your tire pressure, keep your tank full, and change your oil regularly, but mechanical failures and mistakes can still happen. Whether you hit a nail in the road, lock your keys in your car, or realize your fuel gauge is broken after it’s too late, the roadside assistance coverage in your policy may provide 24-hour emergency assistance and towing when you need it most.
Rental Car Coverage
Rental car bills can add up fast when you need temporary transportation after an accident. Talk to your agent about including coverage for rental fees while your vehicle is repaired after a covered event.
Central and Western Wisconsin Auto Insurance Quotes
At Burstad Insurance, we make shopping for car insurance simple and convenient. As an independent agency, we offer one-stop shopping, where you can compare quotes and coverage from several of the leading insurers in Central and Western Wisconsin. From Menomonie and Chippewa Falls to Medford, River Falls and New Richmond, we can help you find competitive rates on the coverage you need.
Our agents are highly trained and experienced. They are well-versed in industry discounts and the different ways that we can maximize the value of your policy. Additional savings are often available to drivers who:
- Select high deductibles
- Maintain a claims-free record
- Maintain a clean driving record
- Have student drivers with good grades
- Complete and pass an approved driver’s safety course
- Purchase multiple policies from the same insurer
- Insure multiple vehicles on the same policy
- Pay premiums in full
- And more
For more information about Wisconsin car insurance options or to find out how an independent agent can help you save on the coverage you need, contact our office and request your free quotes today. We look forward to serving you soon.