Progressive auto insurance Wisconsin, if you drive, you need auto insurance. This is as true in the ‘Dairyland State’ as it is anywhere else in America. But just how much, or what type of coverage you need for your own circumstance is one of the reasons why reams of copy has been written on the subject — including this article too!
So it’s important for new and veteran drivers alike consider what kinds for insurance best suits you and it’s wise to discuss in detail and ask a lot of questions to at least a few different insurance providers.
The best ones, like Progressive auto insurance Wisconsin, will level with you and give you honest and object answers; lying to people or trying to sell too much insurance to make a quick buck will harm relationships with clients in the long-run, can the best and most successful agencies out there know this.
With that in mind, here are the ‘pillars’ of insurance, as it were, that should be considered by all drivers, but not necessarily purchased (some will be optional depending on your situation):
1. Collision insurance: If you’re involved in an accident, collision insurance provides protection and will pay for your repairs — regardless of who’s at fault.
2. Comprehensive insurance: Be it stormy weather, flooding, falling debris from the sky, if something ‘natural’ damages your vehicle, this type of Progressive auto insurance Wisconsin, or any other state, should cover it.
3. Medical payment coverage: After an accident and regardless of who is at fault, this type of protection will help pay some of the medical bills of your passengers who were injured in some way.
4. Personal injury coverage: This type of insurance is designed to protect people who have been involved in an accident serious enough to have hurt people. It will help pay medical expenses for everyone you name in the policy, irrespective of who caused the accident.
5. Uninsured and underinsured liability coverage: This protects you when you are involved in a collision with another driver who doesn’t have enough insurance, or no insurance at all. This type of coverage will pay for damage expenses you suffered at the hands of the uninsured.
6. Bodily injury or property damage liability coverage: This insurance will cover you when you, your passenger(s) are hurt when you are driving, or if you damaged someone’s property while behind the wheel.
These types of insurance are meant to give you a general idea of what’s out there, but that doesn’t mean that all them will be offered in your state or in Progressive auto insurance Wisconsin — nor does it mean that you are legally required to purchase them. So it’s best to discuss all of these with a few different agencies before signing your name on the dotted line.