In Green Bay, driving is the primary mode of transportation. Whether you are bumper-to-bumper in traffic or cruising through the countryside, it is important that you are properly insured every mile of the way. Though our state has some minimum insurance requirements for drivers, most people have more complex coverage needs. At Pagel & Associates Insurance, our job is to help you choose an appropriate amount of insurance at a price you can afford.
Wisconsin requires bodily injury protection of $25,000 per person and $10,000 for property damage. While this may sound like a lot of money to the average driver, it barely scratches the surface of the bills you could face following an accident. What would you do if you ran into a brand new Mercedes Benz? A $10,000 limit could leave you with an out-of-pocket bill that reaches $40,000 or more.
As a driver, you need someone who can ask all the right questions and help you determine how much coverage you actually need. As an independent insurance agency, we work for you – not the insurance company. We can walk you through the process of purchasing coverage step-by-step. Some of the insurance protection we offer include:
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.
Liability insurance is the most important part of your insurance policy, as it represents the amount your insurance company will pay for the losses sustained by others due to an accident for which you are at-fault. From medical bills and property damage to lost wages and legal fees, liability expenses can escalate quickly after an accident. We can help you determine the level of liability coverage you need to protect your personal assets from being liquidated and your future wages from being garnished after an accident.
Collision and Comprehensive Insurance
Collision and comprehensive insurance provide the coverage you need to get back on your feet after an accident or non-accident event that causes you personal loss. In a collision, this might include repairs or replacement for your own vehicle, as well as towing and rental car reimbursement. Comprehensive insurance, on the other hand, can help you replace your personal belongings after your car is broken into, or repair the hood of your vehicle after a hail storm.
Other types of insurance coverage are also available upon request. This includes medical payments coverage for your own injuries following an accident, as well as insurance for damages to your vehicle when an at-fault driver is uninsured or underinsured.
Low Rates on the Coverage You Need
Here in Wisconsin, we enjoy lower-than-average rates on car insurance. However, that does not mean you should pay a penny more than you have to for coverage. As an independent agency, we can help you compare rates from several of the state’s leading car insurance carriers to find the policy that is right for you. We can also help you identify potential discounts that could lower your premiums, such as safe driving, good student, and bundled policy discounts.
As your insurance advocate, we can also come alongside you to find ways of lowering your upfront costs, such as by raising your deductible or paying for your policy in full. Ultimately, we want to help you find greater savings without sacrificing your coverage protection.
If you live in the Green Bay area and are in the market for car or truck insurance, contact our office to request your free quote today. We look forward to serving you soon.