Why settle for good when you could have something great? When it comes to finding car insurance, never accept less than the best. At Philleo Agency Insurance, we know that good is not always good enough – especially when it’s time to file a claim. Continue reading to learn more about the best car insurance features and how you can go from good to great.
Good Car Insurance Meets State Standards. Great Car Insurance Meets Yours.
Every state – including Wisconsin – requires a minimum amount of insurance coverage in order to legally operate a motor vehicle. This baseline coverage includes liability protection, which is designed to benefit other drivers if you cause an accident; but what about your own car repairs and medical expenses? Furthermore, what if the limits on your insurance are not enough to cover your liability in an accident?
Any car insurance policy can meet the legal requirements of the state you live in. Only the best car insurance looks out for you as well. Your policy should include enough liability protection to cover your assets and income if you are responsible for an accident that causes injuries or property damage to one or more victims. If you have accumulated a lot of assets or generate a lot of income, it might be in your best interest take the maximum liability limits on your policy and consider umbrella coverage for back-up protection.
The best car insurance will also take care of your vehicle and injuries in an accident or after a covered event. Collision insurance provides payment for repairs to your vehicle when you have an accident. Comprehensive insurance takes care of vehicle repairs when your car is damaged by other means, such as vandalism or falling objects. Other types of coverage to consider include medical payments coverage for yourself and your passengers, as well as uninsured motorist property damage and bodily injury protection that can reimburse you for personal losses when you are hit by an uninsured driver.
Good Car Insurance Can save You Money. Great Car Insurance Can save You More
When comparing car insurance policies, many people focus on the major coverage types – liability, collision, comprehensive, and uninsured/underinsured motorist protection. However, it is the details that often set one company’s coverage apart from the rest. Consider, for example, the costs you could face if you damage your vehicle in an accident. Collision insurance might cover the repairs, but what about the towing charges, which can easily add up to hundreds of dollars. Factor in the cost of a rental car while your vehicle is being repaired, and you can see how your out-of-pocket costs could be far more than the deductible on your collision policy. From roadside assistance to emergency lodging if you become stranded far from home, the best car insurance will always take care of the little things.
A Good Agent Helps You Find Excellent Coverage. A Great One Helps You Find an Excellent Deal
Finding the best car insurance often starts by finding a great agent. A good agent is one who will offer you the coverage you need to protect yourself and your assets. A great agent is one who works hard to compare rates from several different insurance companies to find the most affordable rates for the same coverage. When you choose an independent agent, you have someone who works for your best interests – not the insurer’s. Independent agents know which insurers will offer you the most lucrative discounts, as well as the many ways you can lower your premiums without sacrificing coverage.
If you live in the greater Milwaukee area and are in search of new car insurance, let Philleo Agency Insurance go to bat for you. Contact our office to request your free quote. We look forward to serving you soon.