The road can hold many surprises – many of them not so nice. One accident can cause tens or even hundreds of thousands of dollars in damages, all in the blink of an eye. Whether you drive the same beloved vehicle every day or have more cars in your home than drivers, Glass Insurance Center can provide a comprehensive policy that covers your auto insurance needs from top to bottom.
Imagine that you are on your way to work and you are run off the road by a distracted driver who is not properly insured. You find yourself injured, and unable to return to work for months, if not years. As the victim of such an accident, you find that the other driver’s coverage is not nearly enough to cover your medical expenses or the damage to your vehicle. And as far as the loss of future earnings, you are on your own. This is why it is critical that you work with an agent that understands what could happen, and suggests coverage to protect you and your family from even having to suffer through such a financial loss.
Car Insurance in Lake Geneva, Wisconsin
If there is one thing that Lake Geneva residents know, it is that high-quality car insurance is not an option; it’s a necessity. Living in a tourist hotspot means locals are exposed to drivers who are unfamiliar with area roads. If you are hit by a driver who opted out of the rental car company’s insurance protection, it pays to know you are covered. Our goal is to provide that peace of mind, with the following types of auto insurance protection:
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.
Collision Insurance
If you are responsible for a collision, your insurance should provide enough coverage to repair or replace your vehicle. Whether you have been driving the same sedan for years or just drove a new convertible off the lot, you want to know your vehicle is covered no matter the cost. We can also offer collision insurance that assures your vehicle is repaired at a facility familiar with its engineering – a benefit especially helpful for drivers of foreign and luxury vehicles.
Comprehensive Coverage
If your car slides down your driveway and into a tree during the winter, or sheets of falling ice damage the hood of your car, comprehensive coverage assures that your vehicle can be repaired with little out of pocket cost for you. Comprehensive insurance provides protection for non-collision related claims, such as theft or damages from falling objects.
Uninsured/Underinsured Motorist
If you are hit by an uninsured or underinsured driver as illustrated in the story above, your chances of recovering enough money to cover your medical expenses and future loss of earnings are slim. Adding this type of coverage to your policy ensures you are protected when the accident is not your fault.
Liability Protection
Perhaps the most important part of your auto insurance policy, liability coverage protects your money, assets, and income if you are responsible for an accident. It helps cover medical bills, court judgments, and legal defense fees associated with the accident. Having the right liability protection means shielding your livelihood from lawsuits.
Classic, High-Performance and Exotic Car Insurance
It may be that the car your drive during the week is for practical reasons and convenience, and the one you drive on the weekend is for fun? If you own a classic, high-performance, or exotic vehicle, you need insurance as exceptional as your car is. Talk with your agent about special vehicle coverage – even if you only keep it in the garage.
