Wisconsin Auto Insurance Information
The value of good auto insurance often doesn't become apparent until you really
need it. Whether it's a minor fender bender or a more substantial accident, it
pays to have insurance coverage you can count on.
Let one of our experienced Wisconsin auto insurance policy specialists explain
the different Liability limits, Comprehensive, Collision, Uninsured Motorist,
Medical coverages, and deductibles that are available for you to choose from.
We offer affordable truck and car insurance policies from leading insurance
companies serving Wisconsin.
Learn more about Wisconsin Auto Insurance
policy coverage options below!
Click on the link below to fill out a quote request form for a Auto Insurance
policy that will provide excellent car insurance coverage at an affordable
cost. Or you can speak with our Wisconsin Auto Insurance agent
specialist at (920) 849-4534 to discuss the features.
Emergency Roadside Insurance
Covers repairs done at the location of your automobile problem (roadside). This policy
is often combined with auto towing coverage and called Roadside Emergency Towing
Insurance. Changing a flat tire on the roadside may also be covered, but you will need
to pay for repairs received at the garage or other repair location.
Auto Glass Insurance
Offers a lower deductible or no deductible for when repairing any broken window
on your car is required.
Auto Towing Insurance
Covers costs involved for towing your car anytime you need it.
What information is listed in the actual auto insurance policy that you are given by
the insurance agent? Learn about the different important sections in every auto
insurance policy below.
Declarations
Usually listed first in your auto insurance policy and unlike the remainder of your
policy, it will have been prepared especially for you. It will list the specific auto
insurance coverages and amounts that you've chosen.
year, make,and model of your car
VIN - vehicle identification number
date the policy is effective
policy's coverage types and limits
policy's cost - premium
name of the insured (you or you and your spouse)
Insuring Agreement
Lists exactly what the insurance company promises to provide in return for the
payment of your auto insurance premium. The type and amounts of each coverage
you've purchased is described in detail and also outlines exactly who is covered
under each provision.
Exclusions
The insurance policy exclusions section is a list of all possible circumstances that
would free the insurance company from the responsibility of paying a claim.
Example: most auto insurance contain an exclusion that exempts the
insurance company from having to pay in the case of intentionally caused
damage or injury.
Conditions
Lists the duties and responsibilities of the insured (You) in the event of a claim
situation. Will include guidelines for contacting the insurance company, obtaining a
police report, and filing a claim. Information on auto insurance policy cancellation
will be outlined here, too.
Click on the link below to fill out a quote request form for a Wisconsin auto
insurance policy that will provide excellent auto insurance coverage at an
affordable cost. Or you can speak with our Auto Insurance specialist at
(920) 849-4534 to discuss the features.
We are your local Calumet County, Wisconsin insurance agency, offering affordable auto insurance
policy premiums to residents of the following cities and counties: Chilton, New Holstein, Malone, Kiel,
Hilbert, Forest Junction, Potter, Reedsville, Brillion, Stockbridge, Sherwood, Hayton, Brothertown,
Marytown, Calumetville, Pipe, Johnsburg, Mt. Calvary, St. Cloud, Elkhart Lake, Ada, Sheboygan,
Cleveland, Manitowoc, Spring Valley, Osman, Plymouth, Two Rivers, Whitelaw, Valders, St. Nazianz,
Newton, Collins, Kimberly, Kaukauna, Darboy, Oshkosh, Winnebago, Appleton, Menasha, Neehah,
Menchalville, Greenville, Holland, Little Chute, Wrightstown, Morrison, Wayside, Kellnersville, Francis,
Branch, Cooperstown, Maribel, De Pere, Bellevue, Allouez, Ashwaubenon, Denmark, Tisch Mills,
Kewaunee, Howard, Green Bay, Oneida, Luxemburg, New Franken, Pilsen, Anston, Black Creek,
Freedom, New London, Sheyboygan Falls, Plymouth, Greenbush, Fond du Lac, Peebles, Taycheedah,
Kohler, Howards Grove, Dundee, Cascade, West Bend, North Fond du Lac, Eden, Waldo, Cedar
Grove, Hingham, Fond du Lac County, Sheboygan County, Brown County, Winnebago County,
Outagamie County, and Manitowoc County, WI.
Covers damage caused to the owners auto from a collision caused by another auto or other object.
The deductible is the amount you choose to pay upfront (if any) before the auto insurance policy pays.
The higher the deductible chosen the lower the collision coverage cost within the Wisconsin auto
insurance policy.
Covers damage caused to the insured's auto (your automobile) from risks such as theft, fire, falling
objects, earthquake, flood, missiles, explosion, riot and civil unrest. The deductible is the amount you
choose to pay upfront (if any) before the auto insurance policy pays. The higher the deductible chosen
the lower the comprehensive coverage cost within the Wisconsin auto insurance policy.
Bodily Injury Liability
Injuries that you (insured) cause to someone else is covered under this part of an auto insurance
policy. The minimum liability insurance coverage available for purchase in Wisconsin is 25/50
and is explained in detail below. However, we recommend that you choose liability insurance
coverage amounts that are much higher than the minimums listed below. Contact us at (920)
849-4534 to discuss what liability coverage amounts you require to meet your family and
personal needs.
Wisconsin Liability Coverage limits explanation:
25/50/10 25=$25,000 - 50=$50,000 - 10=$10,000
First number = bodily injury liability maximum for one person injured in an accident.
Second number = bodily injury liability maximum for all injuries in one accident.
Third number = property damage liability maximum for one accident.
Property Damage Liability
Damage caused by the insured (you) to someone else's property, such as a motorcycle, car,
truck, fence, or house, is covered through property damage auto insurance coverage. This
coverage also assists in protecting you if a lawsuit arises from an accident. The minimum
coverage amount in Wisconsin is $10,000.
Medical payments coverage pays for the medical and funeral expenses for you or others hurt or killed
in an accident while riding in or driving your car or truck. Claims against this coverage include all
reasonable hospital, surgical, chiropractor, X-ray, dental, professional nursing, prosthetic, and funeral
expenses. It will also cover you or members of your family if you are hit by a car when you are walking
or if you are riding in another car or truck. This coverage will pay for your medical and funeral
expenses even if you cause the accident. The coverage is often limited to medical care you get in the
first one, two, or three years after the accident and is limited to a specific dollar amount. This is not a
required Auto Insurance coverage in Wisconsin.
Covers the insured (you) for your bodily injury caused by a hit-and-run driver or an at-fault driver
who has no auto liability insurance. This coverage is required for Wisconsin auto insurance.
Contact us at (920) 849-4534 to discuss what uninsured coverage amounts you require to meet
your family and personal needs.
Example of uninsured motorist limits:
25/50 25=$25,000 - 50=$50,000
First number = uninsured motorist maximum for one person injured
in an accident.
Second number = uninsured motorist maximum for all injuries in one
accident.

This coverage comes into play when an at-fault driver has auto or motorcycle liability insurance, but
the limit of insurance is inadequate to pay for your damages.
Underinsured Motorist Bodily Injury Coverage
This type of auto insurance coverage pays for your medical expenses, lost wages, and other
damages when you or your passengers are injured in an accident caused by a driver who has
insufficient auto or motorcycle insurance coverage. The auto insurance coverage typically pays the
difference between the coverage limit you select and the other driver's bodily injury coverage limit.
This is not a required auto insurance coverage in Wisconsin.
Underinsured Motorist Property Damage Coverage
Protects you if your auto is damaged in an accident caused by a driver who has insufficient auto
insurance coverage. This coverage pays the difference between the coverage limit you select and
the other driver's property damage coverage limit. This is not a required coverage in Wisconsin.
Wisconsin Auto Insurance Policy FAQ
Click on the link below to fill out a quote request form for an Auto Insurance policy that will provide
excellent auto insurance coverage at an affordable cost. Or you can speak with our Wisconsin
Auto Insurance agent specialist at (920) 849-4534 to discuss the features.
**The information, pictures, and other content in this website about particular insurance services is
only provided for informational purposes. Any decisions regarding your insurance needs should be
discussed with a licensed insurance agent.
Wisconsin Auto Insurance Policy FAQ
Wisconsin Auto Insurance Policy FAQ
Wisconsin Auto Insurance Policy FAQ
Wisconsin Auto Insurance Policy FAQ
Wisconsin Auto Insurance Policy FAQ
Having a teenager included on your auto insurance policy will always cost
substantially more, but there are ways to reduce the premium increase.
The best cars for teen drivers are slower, bigger cars with a lot of safety features.
Teenager's are more prone to accidents, especially ones caused by speeding. A
disproportionate number of teenage car accidents involve only one vehicle.
Make sure your teen drives safely. One speeding ticket or fender-bender can send
your teenager's auto insurance rates sky high. Require that they take a drivers
education class at their high school or local DMV.
Good student teen driver insurance rates can save up to 25% on your teenager's
auto insurance if a "B" average is maintained.
Assuming your teen keeps a good driving record, the cost of insuring them will
decrease as they get older.
Auto Insurance endorsements are policy extras for services such as towing
insurance, auto glass insurance, daily rental insurance, and emergency roadside
insurance.
These auto insurance policies are not required by any state, but many drivers
choose these services for the added security and convenience they provide.
Rental Car Insurance
Covers the cost of a rental car while your insured car is being repaired because
of a covered event.
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