Auto insurance protects you from financial loss if you have an accident. The policy is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay for your losses as defined in your policy.Auto coverage provides:Liability - pays for your legal responsibility to others for bodily injury or property damage. This coverage also applies when you are driving someone else's car.Medical - pays for the cost of treating injuries, rehabilitation or funeral expenses for the driver and passengers of the policyholder's car.Physical Damage Coverage - pays for damage to your car.Collision - pays for damage to your car as a result of a collision with another object (car, wall, pothole). This coverage usually carries a deductible. Comprehensive/Other than Collision - pays for loss or damage caused by something other that a collision (theft, vandalism, glass breakage, fire, animal hit). This coverage also usually carries a deductible. Uninsured and Underinsured Motorists - will reimburse you, your family or a designated driver if one of you is injured by an uninsured or hit and run driver or an at fault driver who does not have sufficient insurance.Extra Coverages - Includes towing, labor rental expense, and loan/lease gap coverage. These are usually "add-ons" or optional endorsements to your policy.Most states require you to carry some coverage. Wisconsin is not a mandatory insurance state but if you have an at fault accident you are required to show financial responsibility or proof that you will pay for damages. We recommend the highest limit of liability coverage which is affordable to you. We also encourage a higher deductible to keep your costs down.
Several reputable sources are available for used car pricing. Here are a few:http://www.nada.com/http://www.kbb.com/http://www.edmunds.com/
Used Car Guide
*Consider the highest limits of liability coverage that you can afford or that are offered.*Increase your deductibles for collision and comprehensive - absorb smaller losses yourself.*Drop the physical damage coverage on your car when it gets older or depreciated - weigh the current value of the car against the annual premium you pay to protect it.*If you have adequate medical insurance, consider lower limits of med pay on the auto policy.*Before buying a car, check out the rating "symbol" of the car. The lower the symbol, the lower the premium. Look at the IIHS.org website (Insurance Institute for Highway Safety). *Buy a safe car.*Do not allow others to drive your car.*Us good "loss control" sense. Park at the far end of the parking lots where traffic is light. Park in the end spots where you can only get hit on one side.*Slow down! Speed and carelessness cause accidents and tickets increase the cost of insurance.*Don't drive during bad weather.*Alarm your car - If no alarm - use "the club".
Money Saving Tips!
Automobile Glass RepairWe refer our customers to several excellent local glass local glass companies who have provided our clients with excellent service. Glass claims are pre-approved through recognized glass networks to ensure fair pricing and high quality. Call our office, 262-790-0000, for a referral to a glass vendor. We provide the glass company with the details of your car to ensure fast repairs!
Auto Glass Repair
W3934 County Hwy H - P.O. Box 100 - Fredonia, WI 53021-0100 | 262-790-0000