If you drive a car in Wisconsin, you need auto insurance. It’s not just mandatory; it is essential for protecting your current and future income and assets against possible loss. The right policy can save you tens or even hundreds of thousands of dollars in damages and liability. That is why as a driver, settling for a sub-par insurance policy should never be an option. Of course, that does not mean that quality coverage should break the bank. At Terp Insurance, we shop and compare rates on the auto insurance coverage you need, delivering competitive prices on reliable auto insurance that is designed to stand up to nearly any loss or claim.
Types of Auto Insurance Coverage
We here at Terp Insurance offer a wide range of coverages designed to protect you against risk behind the wheel. Examples include:
Law requires auto liability insurance for Wisconsin drivers, but the minimum coverage established by the state is too low to protect drivers against major claims. If you are at-fault for an accident, be ready with liability protection that will cover property damage and injuries to the fullest extent. You can also rely on your liability protection to cover your legal bills and defense costs if you are sued for damages.
How much would it cost to replace your vehicle if it were destroyed in an accident? Collision coverage helps pay to repair your vehicle after an accident or reimburse you for your loss if your car is totaled. If you financed your vehicle with a lender, you might be required to carry collision insurance to satisfy the terms of your financial agreement. Even if you own your car in full, collision insurance protects your savings and income, allowing you to retain the equity in your damaged or destroyed vehicle.
Sometimes bad things happen to cars that do not involve collisions. Perhaps you were the victim of vandalism, or maybe your vehicle was damaged during a hail storm. Whatever the damage, comprehensive insurance generally covers it if it is non-collision related.
If you are injured by a hit-and-run driver or a driver with no insurance, uninsured motorist protection can help compensate you for your injuries. Similarly, underinsured motorist insurance can fill in the gaps left behind by drivers with too little insurance coverage to meet the needs of your claim.
We also offer a wide range of additional protections and endorsements meant to enhance your policy and provide complete coverage to meet your needs. Examples include:
- Medical Payments
- Towing and Roadside Assistance
- Rental Car Reimbursement
- And more
Save Money on Car Insurance in Manitowoc
If you are not yet using an independent agent to shop for Wisconsin car insurance, you could be leaving better coverage and greater cost savings on the table. Here at Terp Insurance, we know how to put money back in the pockets of our clients without sacrificing coverage. We can show you several ways of lowering your premiums and qualifying for money-saving discounts, such as:
- Raising your deductible
- Taking an approved driver safety course
- Combining home and auto coverage
- Maintaining good grades (students)
- And more
To find out how an independent agent can save you money on car insurance, contact our office to request your free quotes today.