At Long & Company, we know drivers want affordable car insurance that covers a wide range of damages and losses. As an independent agency, we work for you – not the insurer. Our goal is to compare policies and rates from multiple companies to find the auto insurance coverage that works for you. From dings and fender benders to major collisions and injuries, we know what it takes to protect you against unexpected financial loss.
Understanding Your Risks
Whether you are driving the kids to school and back or frequently traveling for work, the more miles you put on your car, the greater your risks. There is the possibility that you could make an unintentional mistake that causes an accident, or that you could be injured in a hit-and-run. Your car could even be damaged when not in use, such as during a fire or hail storm. Damages can easily total thousands or even tens of thousands of dollars or more without the right insurance coverage.
Wisconsin Auto Insurance Coverages
Auto insurance policies typically contain several different types of coverage. At a minimum, Wisconsin drivers must carry enough coverage as required by state law. However, most drivers need much more protection than is mandated. Without adequate coverage, you could leave yourself vulnerable to lawsuits, expensive repair bills, and more. At Long & Company, we help you understand the details of Wisconsin auto insurance coverages and make recommendations based on your risks and preferences. These may include:
Collision and Comprehensive
These two coverages work to protect your vehicle’s value against damages or a total loss due to collision and non-collision events. Although not required by law, collision and comprehensive protection are often required by lenders when financing a vehicle purchase. Even if your vehicle is paid for in full, collision and comprehensive coverages are still recommended to help cover the cost of repairs after an accident or compensate you for the value of your vehicle if it is totaled in an accident or other covered event.
Collision and comprehensive insurance claims are usually subject to a deductible, which represents your financial responsibility toward the cost of your loss claim. We can help you understand your options and show you how the deductible amount you choose could affect your policy premiums.
One of the biggest risks you take as a driver is a potential of causing property damages or injury to a pedestrian or another driver. If you hurt someone while operating your vehicle, you can be held liable for the financial damages, including medical bills, lost wages, vehicle repairs, property loss, and more. If you are sued, you could also face high legal fees and court costs, which altogether could total hundreds of thousands of dollars. Having the right liability insurance can shield you against the costs associated with litigation defense and other liabilities when you are responsible for causing an accident.
Uninsured and Underinsured Drivers
Even if you are an insured and responsible driver, it does not mean that others abide by the same creed. When another driver injures you and your passengers in an accident, you can pursue him for compensation of damages. If that driver is uninsured, obtaining compensation may be challenging or even impossible. Uninsured motorist coverage helps protect you when a driver injures you without insurance. Similarly, underinsured motorist coverage can help fill in gaps when a driver’s liability insurance is inadequate to cover your loss.
Medical payments insurance is designed to provide money for necessary medical care when you and your passengers are injured in an accident, regardless of fault. Coverage is usually limited, but it can help cover the cost of a medical insurance deductible or an emergency room visit. Additionally, making a medical payments claim for injuries caused by another driver generally does not prevent you from seeking out additional compensation from the driver for excess medical costs and other losses.
Towing and Roadside Assistance
There’s no good time to find yourself stranded on the side of the road. If you ever find yourself in this type of situation, roadside assistance coverage can help you out. Many insurers offer 24-hour assistance coverage to help pay for lockout services, fuel delivery costs, flat tire assistance, and more. Your policy may also include coverage for towing to the nearest mechanic.
Rental Car Expenses
It can take some time to repair body damages after an accident or to look for a replacement car when yours is totaled. In the meantime, life goes on, and you need a reliable method of transportation in the interim. Rental car compensation coverage can help pay for temporary transportation costs during this time.
Wisconsin Auto Insurance Comparison Shopping
Shopping around for car insurance can be a time-consuming process when you do it alone. By working with Long & Company, you can relax while we do the heavy lifting for you. As a local, independent agency, we know what you are looking for in your coverage – affordability and reliability. We comb through multiple insurance companies and options to find competitive rates on a policy that fits your needs.
Part of that process is looking for valuable discounts that may help reduce the cost of your coverage. Many Wisconsin insurers offer savings for drivers who exhibit responsibility behind the wheel, having had no recent citations and no recent history of accidents or claims. Some also offer savings for student drivers who maintain good grades in school or for drivers with low average annual mileage. If you insure multiple vehicles on the same policy, complete a defensive driving course, or opt-in to automatic policy renewal and payments, even more discounts may be available.