You would never get behind the wheel of a car without insurance, not just because it is illegal, but also because there are financial risks associated with owning and operating a vehicle. At innovante insurance, we help Milwaukee area drivers find affordable auto insurance coverage that reduces financial responsibility for covered damages and loss. From coverage that pays for hail damage on your car to protection against the financial woes of an accident-related lawsuit, we can help you build an auto insurance policy that minimizes your vulnerability on and off the road.
Choosing Your Coverage Limits
Some types of coverage limits, such as the physical damages protection for your vehicle, are set by your insurer. Other coverage types, such as your liability protection, have a wide range of coverage options, ranging from the state minimum coverage requirement to high-limit protection that safeguards more of your income and assets against third-party losses and litigation. At innovante insurance, we help you assess your coverage needs and assist you in choosing limits that provide you and your passengers with the protection you deserve.
Types of Milwaukee Auto Insurance
A typical Wisconsin auto insurance policy will have several different sections, each of which outlines the various coverages available for the policy-holder. For example, liability is mandatory for all drivers, and physical damages coverage may be required if you have a lien-holder for a loan against your vehicle. However, several other coverages may be beneficial in protecting you against financial loss.
Your Wisconsin auto insurance policy may include:
Bodily Injury and Property Damage Liability
Liability insurance is coverage for third-party car accident-related losses for which you are at-fault. Wisconsin requires a minimum amount of coverage for both bodily injury and property damages, but we typically recommend higher limits that are more likely to satisfy the needs of a larger claim. Your auto insurance liability coverage can help pay for legal fees and a victim’s medical bills, lost wages, and other losses if you are sued for causing an accident.
Two types of coverage reimburse you for physical damages to your vehicle. The first – collision coverage – helps pay for vehicle repairs if it is damaged in a car accident or rollover. The second – comprehensive coverage – helps cover the cost of repairs when your vehicle is damaged by non-collision events, such as hail, wind, or even run-ins with wildlife.
Note that claims against both types of physical damage coverage are typically subject to a deductible. Lower deductibles minimize your financial burden after an accident, whereas higher deductibles can result in lower policy premiums.
All Wisconsin drivers are required to carry liability insurance, but a large percentage of them do not. In addition to breaking the law, these drivers are also putting other people at risk. If you are injured by an uninsured driver or in a hit-and-run accident, you might never recover compensation for your losses. If you do, it could be limited to what you can obtain in a court judgment, which could take months or even years to acquire. With uninsured motorist insurance coverage, you can file a claim against your own insurance policy for injuries sustained by an uninsured driver. If you also have underinsured motorist insurance (UIM), you can file claims against your own policy for excess damages not covered by an at-fault driver’s insurance after an accident.
If you and/or your passengers are injured in a car accident, the first priority is seeking medical attention for any injuries sustained in the collision, regardless of who caused the accident. Even if you have health insurance, there are still deductibles and co-insurance to pay, which can add up to hundreds or even thousands of dollars. Medical payments coverage assists in covering these costs with limited no-fault coverage for necessary medical expenses.
Roadside Assistance and Towing
You should feel safe and secure when driving your vehicle – even if it breaks down. With roadside assistance coverage, many insurers will help pay for 24-hour roadside help for things like flat tires and lock-outs. You can also add towing coverage to your policy to help cover the cost of towing your vehicle to the nearest repair facility.
Rental Car Coverage
Whether you are waiting for an insurance settlement to purchase a replacement vehicle or waiting for the body shop to finish repairs to your damaged car, you should never have to be without a vehicle because of an accident. With rental car coverage, your insurance company can help cover the daily cost of renting temporary transportation.
Wisconsin Auto Insurance Quotes
As a Wisconsin driver, you know you have options when it comes to car insurance. At innovante insurance, we take the hassle and confusion out of comparison shopping. As an independent agency, we can shop policies from multiple Wisconsin insurers until we find the coverage you need at a low, competitive price. We know how to find a balance between quality and affordability and can show you ways to lower the cost of your coverage without sacrificing your important benefits.
Often, drivers qualify for money-saving discounts that help lower the cost of premiums. Although these vary from insurer to insurer, they often include discounts for:
- Being claims-free
- Having no recent traffic violations or citations
- Taking a defensive driving course
- Paying premiums in full or enrolling in automatic payments/renewal
- Purchasing additional coverage lines from the same insurer
- Maintaining good grades in high school or college
- Having a low annual mileage average
- And more