Will you and your family be properly covered when and if an auto accident occurs? Auto accidents happen when you least expect them, make sure your family has a sufficient policy to cover all the unexpected costs that accompany an accident. Our team of experienced professionals here at Jerry Heinen and Associates understands how complex auto insurance is and we’re here to help you understand your options.
Whether your vehicle is struck by another car due to ice on your way to work, or your family’s vehicle strikes a deer on your way up to your cabin, it’s important to have a policy that will cover you ahead of time. From comprehensive and collision coverage to medical payments and good driver discounts, our agents will help you find a policy that works for your family and your budget.
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.
Stop into our offices to find the perfect policy for you. Ask our agents about:
Comprehensive coverage helps you pay for damage or loss of your insured vehicle that’s not caused by a collision or rollover. Fire, hitting an animal, hail and theft are all instances where you would want comprehensive auto coverage.
Liability coverage is required and pays for bodily injury and property damages to others when you or your car are at fault. Bodily injury and property damage liability coverage covers a wide spectrum of expenses including medical, pain and suffering, property damages, lawyer costs if you’re sued and lost wages.
Whether you’re involved in a minor fender bender or a major accident, collision coverage pays for the damage to your vehicle – regardless of who is at fault. Our agents can help you determine the right amount of protection for you.
Uninsured/Underinsured Motorist Coverage
Not everyone is covered by liability insurance and unfortunately many aren’t covered enough. By carrying uninsured and underinsured motorist coverage, you will be covered if you’re involved in an accident with one of these uninsured or underinsured drivers. With this coverage you may be covered for medical expenses, pain and suffering and lost wages.
Our team knows how to help you access auto discounts that you may not even know exist. If you have a clean driving record, you may be able to get an auto insurance discount for that. Have a teen driver away at college? You may have a lower payment on your policy. Our agents will discuss your situation in detail to determine where you can save.
Car Rental Coverage
You shouldn’t have to feel stranded if your car is in the shop after an accident. Car rental coverage covers the cost of renting a car while yours is being repaired or replaced.
Ask our agents about a policy that includes roadside assistance. You may be covered for everything from vehicle towing and fuel delivery to locksmith services.
With over 100 years of combined insurance experience, our team at Jerry Heinen and Associates is your local source for quality insurance with service you can trust. To meet with one of our agents, call (920) 458-9724 or stop by our offices in downtown Sheboygan.