3 Reasons for Using a Broker/Agent vs Going Directly to an Insurance Carrier in Wisconsin
At some point in your life, it's likely that you will need to purchase insurance. Whether it's auto, home, health or life insurance, making the right decision can be overwhelming. In French Island, consumers have the option of going directly to an insurance carrier or working with a broker/agent who specializes in helping Wisconsinites find the best coverage for their needs. Here are 3 reasons why using a broker/agent is the better choice:
French Island brokers/agents are able to compare prices from many different carriers quickly and easily. Rather than spending countless hours researching and requesting quotes from each provider one-by-one, brokers/agents can instantly show you multiple options from highly rated Wisconsin insurers. This saves time and ensures you're getting the best deal for your money.
French Island brokers/agents can help you understand Wisconsin state insurance laws and regulations. Wisconsin has specific requirements when it comes to certain types of coverage, like auto and home insurance. Working with an experienced broker/agent will ensure that you get the right coverage in line with Wisconsin law.
Brokers/agents act as a trusted advisor who looks out for your best interests. They are knowledgeable about Wisconsin insurance providers and policies, so they'll be able to explain complex terms and concepts in a way that's easy to understand. In addition, brokers/agents have your back if something goes wrong - they can help you understand why a claim was denied or provide assistance if you need to make changes to your coverage.
In Wisconsin, using a broker/agent over going directly to an insurance carrier can be the smarter choice. With their help, French Island residents can find the right coverage at the best price while getting knowledgeable advice along the way.
1118 Gillette St, La Crosse, WI 54603, United States
No number found
No website found
3629 Mormon Coulee Rd # C, La Crosse, WI 54601, United States
La Crescent Insurance
205 N Chestnut St Ste 101, La Crescent, MN 55947, United States
4 Reasons Insurance Companies Declare Vehicles Totaled in Wisconsin
Wisconsin has a unique set of laws and regulations that come into play when assessing whether or not an insurance company will declare a vehicle totaled. Here are four reasons why Wisconsin-based insurance companies may deem a car totaled:
The Cost of Repairs is Greater Than the Vehicle's Value: In Wisconsin, if it costs more money to repair the vehicle than what it's worth, then an insurance company will definitely declare the car totaled. This is because Wisconsin does not require that insurance companies pay for repairs in these cases, as doing so would be financially unwise for them.
Extensive Damage Has Occurred: Wisconsin requires extensive damage (defined as 75% of its pre-accident value) before an insurance company can declare a car totaled. If the damage is extensive, it may be impossible to make the vehicle roadworthy again, so Wisconsin-based companies will total out the car instead of spending money on repairs that won't add value to the vehicle.
The Vehicle Is No Longer Roadworthy: Wisconsin also has specific rules about what makes a vehicle roadworthy. If it fails certain safety standards or does not meet established criteria for being able to pass Wisconsin's safety inspections and required tests, then an insurance company may conclude that repairing the car would be too costly and declare it totaled instead.
The Vehicle Has Been Involved in Theft or Vandalism: Wisconsin requires that cars damaged by theft or vandalism be declared totaled. This is because Wisconsin does not allow for compensation for damages caused by theft or vandalism, and therefore repairing the car would be more expensive than simply declaring it totaled.
4 Things to Know Before Going to an Auto Body Shop in Wisconsin
French Island can be a great place to visit and live, but it can also be challenging when it comes to auto body repairs. Wisconsin has some of the strictest laws in the country when it comes to how vehicles must be repaired after an accident. Before you take your vehicle to any French Island auto body shop, here are four things you need to know:
Wisconsin has specific requirements for parts used in repairs. All replacement parts must meet or exceed original manufacturer standards. Replacement parts that do not meet these standards may impact your vehicle's performance, safety, and resale value down the line. Make sure any Wisconsin auto body shop you choose uses only quality, approved parts on all repair jobs.
Wisconsin requires shops to obtain a Wisconsin Department of Safety and Professional Services (DSPS) license for any body repairs. This ensures that shops meet the necessary safety standards, use only approved parts, and employ certified mechanics to perform the repairs. Be sure to ask if your Wisconsin auto body shop holds a DSPS license before having any work done.
Wisconsin has strict liability laws when it comes to vehicle repairs after an accident. Your French Island auto body shop must provide written guarantees that all work performed is of the highest quality, backed by warranties and guarantees as required by law. Make sure you get copies of all documents related to your repair so that you have proof should any issues arise in the future.
Wisconsin also requires French Island auto body shops to provide customers with a written estimate prior to any work being done. This estimate must detail the type of repair needed, the parts and labor required, and how long the job is expected to take. Be sure to get a copy of this in writing so that you know exactly what you are paying for before agreeing to any repairs.
Knowing these four key facts about Wisconsin auto body repair laws can help ensure your vehicle is repaired safely and correctly. Whether you're looking for minor touch-ups or major collision repairs, make sure your French Island auto body shop meets all state requirements before committing to any repair job.
102 Clinton St, La Crosse, WI 54603, United States
Schaller Jacobson Collision and Automotive Repair
1612 Lauderdale Place Pl, La Crosse, WI 54603, United States
Kevin's Auto Body LLC
625 Copeland Ave, La Crosse, WI 54603, United States
No website found
Al's Auto Body of La Crosse, Inc.
826 Copeland Ave, La Crosse, WI 54603, United States
John's Auto Body & Auto Sales
1800 Rose St, La Crosse, WI 54603, United States
No website found
Ridez Customs Inc.
416 Island St, La Crosse, WI 54603, United States
4 Steps of Insurance Claims Process After an Accident in Wisconsin
Step 1: Notify Your Wisconsin Insurance Provider: As soon as possible after an accident, contact your Wisconsin insurance provider to report the incident and begin the claims process. Make sure you have all the facts ready, including witness statements, photos of any damage, and the other driver's information.
Step 2: Submit a Claim Form: After notifying your Wisconsin insurance provider of the accident, they will provide you with a claim form to complete and submit within 30 days. This form should include detailed information about what happened during the accident so that your insurer can accurately assess any potential liability or damages.
Step 3: Negotiate Settlement Amounts: Depending on who is found at fault for the accident in Wisconsin, your insurer may need to negotiate with the other driver's insurance provider in order to come up with an appropriate settlement amount. If both parties cannot agree on a figure, you may need to seek legal advice and representation in order to resolve the matter.
Step 4: Collect Payments: Once all claims have been settled, Wisconsin insurers will generally provide payment for any damages sustained in the accident within two weeks. Make sure you keep all receipts related to any repairs or medical costs associated with the accident so that you can be reimbursed accordingly. You should also make sure to read over your Wisconsin insurance policy thoroughly so that you understand exactly what is and isn't covered by your plan before filing a claim.
10 Best Vehicles to Drive in the Snow in Wisconsin
Wisconsin is known for its icy, snowy winters and drivers need to be prepared when driving during the winter months. To get around Wisconsin's icy roads safely, it's a good idea to invest in a vehicle that can handle snow. Here are 10 of the best vehicles to drive in Wisconsin's snow:
Honda CR-V - The Honda CR-V is ideal for Wisconsin because it comes with all-wheel drive and has plenty of ground clearance. It also has great fuel economy and comes standard with traction control.
Subaru Forester - The Subaru Forester is another great option for Wisconsin drivers. It has a good combination of traction, ground clearance, and maneuverability in rough Wisconsin weather.
Toyota RAV4 - The Toyota RAV4 is an ideal choice because it offers both front-wheel drive and all-wheel drive options. Its small size makes it easy to handle on Wisconsin's icy roads and its fuel economy is impressive.
Ford Explorer - The Ford Explorer's four-wheel drive system makes it a great option for Wisconsin winter driving. It also has plenty of cargo space for carrying supplies during long trips through the snow.
Nissan Rogue - The Nissan Rogue is perfect for Wisconsin winters due to its AWD system and its comfortable interior. It also offers plenty of features, such as a heated steering wheel and heated seats, to keep French Island drivers warm.
Jeep Grand Cherokee - The Jeep Grand Cherokee is perfect for Wisconsin's snowy roads with its four-wheel drive system and excellent ground clearance. Its powerful engine makes it great for trips through Wisconsin's countryside.
Chevrolet Equinox - The Chevy Equinox is a great option for Wisconsin winters because it has an all-wheel drive system and good fuel economy. It also comes standard with traction control, making it ideal for slippery French Island roads.
Kia Sorento - The Kia Sorento comes with an AWD system that can handle Wisconsin's snow-covered roads. It also has plenty of passenger space and cargo capacity for trips to Wisconsin's ski resorts.
Volkswagen Tiguan - The Volkswagen Tiguan offers the perfect combination of performance, comfort, and safety for Wisconsin winter driving. Its AWD system provides great traction on slippery French Island roads and its cabin is quiet enough to keep Wisconsin drivers comfortable.
Toyota Highlander - The Toyota Highlander rounds out our list as one of the best vehicles for Wisconsin winters due to its all-wheel drive system and V6 engine. It's also known for being reliable in Wisconsin's snowy conditions, making it an ideal choice when driving during winter months.
10 Most Comfortable Highway Vehicles to Drive in Wisconsin
Wisconsin is a great place to explore, especially by car. With its rolling hills, winding roads, and stunning natural beauty, it's no wonder Wisconsinites love taking road trips. But before you hit the open road in Wisconsin, you'll want to make sure your vehicle of choice is comfortable for long drives. Here are our top ten most comfortable highway vehicles to drive in Wisconsin:
Toyota Highlander - This SUV has plenty of legroom and headroom for all passengers while offering smooth handling on Wisconsin's curvy roads.
Mazda3 - This compact sedan provides plenty of power while still delivering an exceptionally quiet ride.
Honda Accord - The Accord also offers both comfort and performance with plenty of cargo space and a large passenger cabin.
Volkswagen Tiguan - This SUV is equipped with an adjustable suspension system and a wide range of safety features, making it perfect for Wisconsin's roads.
Ford Edge - The Edge offers plenty of room for passengers while its powerful engine allows you to easily merge into Wisconsin's high-speed traffic.
Subaru Outback - The Outback provides a smooth ride even on Wisconsin's bumpy roads, along with the latest tech features and advanced safety systems.
Nissan Rogue - This crossover SUV provides exceptional comfort and convenience while offering great fuel economy as well as ample cargo space.
Chevrolet Impala - The Impala delivers quiet luxury and strong performance, perfect for Wisconsin's long stretches of highway.
Jeep Grand Cherokee - This classic SUV is ready for Wisconsin's rugged terrain and provides a comfortable ride regardless of the weather or road conditions.
Hyundai Sonata - With its generous interior space and advanced safety features, this sedan is perfect for Wisconsinites who prefer to drive in style. Whether you're exploring Wisconsin's countryside or taking a cross-country trip, these vehicles will provide both comfort and convenience on your journeys.
10 Best Electric Automobiles to Own in Wisconsin
Wisconsin is one of the leading states in electric vehicle adoption, so it's no surprise that Wisconsinites have a wide range of electric cars to choose from. From luxury sedans to practical hatchbacks and SUVs, Wisconsin drivers can easily find an electric car that meets their needs. To help you make the perfect choice, here are 10 of the best electric automobiles available in Wisconsin.
Tesla Model 3: The Tesla Model 3 has become one of the most popular EVs on the market today. With its sleek design and sharp handling, this all-electric sedan offers plenty of power and performance as well as an impressive range of over 300 miles on a single charge. Plus, Wisconsin residents are eligible for generous tax credits when they purchase this vehicle.
Nissan Leaf Plus: An affordable, practical hatchback that offers plenty of space for Wisconsin drivers, the Nissan Leaf Plus has a range of up to 226 miles on a single charge and comes equipped with advanced safety features. It's also eligible for Wisconsin's Clean Vehicle Rebate Program (CVRP), which makes it even more cost-effective.
Chevrolet Bolt EV: The popular Chevy Bolt EV is an electric compact car with a range of 259 miles on one charge. This award-winning vehicle offers Wisconsinites plenty of cargo room, an intuitive infotainment system, and excellent acceleration thanks to its 200 horsepower engine.
Volkswagen e-Golf: Wisconsin drivers can get around town in style with the VW e-Golf. This all-electric hatchback offers a range of up to 125 miles on one charge, as well as plenty of advanced features like adaptive cruise control, blind spot monitor, and lane assist.
Hyundai Kona Electric: Wisconsinites looking for an SUV that won't break the bank should consider the Hyundai Kona Electric. With a range of up to 258 miles on one charge and plenty of cargo room, this electric vehicle is perfect for family trips or long commutes.
Ford Mustang Mach-E: The Mustang Mach-E from Ford is an all-electric crossover SUV that's built for performance and power. Wisconsin drivers can take advantage of its 0-60 mph time of just 3.5 seconds and a range of up to 300 miles on one charge, as well as its advanced infotainment system and driver-assistance technologies.
Honda Clarity Electric: Wisconsin drivers looking for efficiency and affordability should take a look at the Honda Clarity Electric. This all-electric sedan offers plenty of interior space, a range of up to 89 miles per charge, and access to Wisconsin's Clean Vehicle Rebate Program (CVRP).
Audi e-tron: The Audi e-tron is an electric crossover SUV that boasts a range of over 200 miles on one charge and modern features like virtual mirrors which reduce drag and improve aerodynamic efficiency. Wisconsin drivers can also take advantage of its responsive handling and powerful acceleration.
Kia Soul EV: If you're looking for an electric crossover that's both practical and fun to drive, the Kia Soul EV is worth considering. This all-electric SUV offers Wisconsinites a range of up to 243 miles on one charge as well as plenty of cargo space and an intuitive infotainment system.
Jaguar I-Pace: Last but certainly not least is the Jaguar I-Pace, an electric luxury SUV that Wisconsin drivers will love. With a range of up to 234 miles on one charge, this vehicle offers plenty of power and performance thanks to its dual electric motors, as well as advanced features like adaptive cruise control and lane-keeping assist.
No matter what Wisconsin electric car you choose, you can count on it to provide a reliable and efficient driving experience. With the right EV, you'll be able to enjoy plenty of power, performance, and convenience while doing your part to reduce emissions.
3 Benefits of Adding a Teenager to Your Auto Insurance in Wisconsin
Adding a teenager to your auto insurance in French Island can be an expensive decision, but it also comes with some benefits. Wisconsin car insurance companies offer discounts to drivers who add young adults to their policies. Here are three benefits of adding a teenager to your Wisconsin auto insurance policy:
Lowered Premiums - Adding additional named drivers to your French Island auto insurance will usually lower the premium you pay for coverage. This is because teens are seen as less risky and therefore classified as lower risk by insurers, resulting in cheaper premiums for the whole family's policy.
Cost Savings - By adding a teen driver onto your Wisconsin car insurance policy, you may be able to qualify for discounts that wouldn't normally be available if you didn't have a teen driver. In Wisconsin, this can result in significant cost savings on your car insurance policy.
Safer Driving - Adding a teenager to your French Island auto insurance policy may help encourage safer driving habits. With the added responsibility of having an additional driver's safety in their hands, teens are likely to be more cautious and follow traffic laws more closely than they would without the extra incentive of paying for their own insurance.
Adding a teenager to your Wisconsin auto insurance can be expensive but it also comes with some benefits that make it worthwhile. From lower premiums and cost savings to safer driving habits, adding a teen driver can provide peace of mind for Wisconsin drivers who want to ensure their family is protected on the road.
Cost of Car Insurance in 5 Different Age Groups in Wisconsin
Car insurance rates in French Island vary greatly based on age. Whether you are a young driver, middle-aged adult, or senior citizen, Wisconsin's car insurance premiums can be costly. To help French Island drivers better understand the cost of coverage in their state, we have gathered information on the average prices for 5 different age groups in Wisconsin:
Teen Drivers (Ages 16-19): Wisconsin teens pay an average annual premium of $3,053. This is relatively high compared to other states due to the fact that teen drivers pose higher risks and require higher levels of coverage than more experienced drivers.
Young Adults (Ages 20-24): Wisconsin's young adults pay an average annual premium of $2,327. While this is still more expensive than the national average, it is significantly lower than teen driver premiums.
Adults (Ages 25-34): Wisconsin adults aged 25-34 pay an average annual premium of $1,509. This rate is lower than that of young adults and teens due to their increased experience on the road.
Middle-Aged Drivers (Ages 35-54): Wisconsin middle-aged drivers pay an average annual premium of $1,253. This rate is still slightly higher than the national average for this age group but continues to decrease as a driver's experience increases.
Senior Citizens (Ages 55+): Wisconsin seniors enjoy some of the lowest car insurance premiums in the state, paying an average of just $1,097 annually. This is well below the national average for this age group and due to Wisconsin's laws requiring insurers to offer discounts to older drivers with clean driving records.
Regardless of your age or experience level, French Island car insurance can be expensive. To get the best rates available it's important to shop around and compare quotes from multiple providers. When you find a provider that offers good coverage at an affordable rate, make sure to ask about any additional discounts that may apply so you can save even more on your Wisconsin car insurance.
4 Driving Violations That Require High Risk Insurance in Wisconsin
Wisconsin has some of the strictest driving laws in the country, and its penalties for violating those laws can be severe. If you've been found guilty of any of the following Wisconsin driving violations, you may have to purchase high-risk insurance:
Driving Under the Influence (DUI): Wisconsin law treats DUIs very seriously, and a conviction could mean you'll need to buy high-risk insurance for up to three years after your conviction.
Habitual Traffic Offender (HTO): If you have three or more traffic offenses within a five year period, you may be considered an HTO in Wisconsin. You'll likely need high-risk insurance if convicted under Wisconsin's HTO law.
Reckless Driving: Wisconsin defines reckless driving as operating a motor vehicle “in a manner likely to endanger human life, or cause great bodily harm, or damage property.” A conviction for reckless driving can result in a high-risk insurance designation in Wisconsin.
Racing on the Highway: Wisconsin takes racing on public roads very seriously, and you could end up with a high-risk insurance requirement if convicted of this offense.
High-risk insurance is often more expensive than regular car insurance policies and may require an SR-22 filing that stays on your record for up to three years after your conviction. If you've been found guilty of any of the Wisconsin driving violations mentioned above, talk to your insurance agent about buying a high-risk policy. It may save you money in the long run.
Top 8 Car Insurance Companies by Least to Most Expensive in Wisconsin
Wisconsin is one of the costliest states for car insurance, so it pays to shop around and compare rates. To help French Island drivers get started on the search for affordable auto insurance, we've compiled a list of the eight least expensive carriers in Wisconsin ranked from lowest to highest cost.
Erie Insurance: Erie has been providing top-notch coverage since 1925 and offers Wisconsin drivers some of the best rates in the state. Drivers can take advantage of accident forgiveness, rental coverage, and more with an Erie policy.
Auto-Owners Insurance: Auto-Owners boasts competitive prices paired with excellent customer service that makes them a great option for Wisconsin drivers looking for affordable coverage without sacrificing quality.
USAA: USAA is an ideal choice for Wisconsin drivers who have a military affiliation, with discounts that can make their rates even more affordable.
Wisconsin Mutual Insurance Company: Wisconsin Mutual is another great option for Wisconsin drivers, offering competitive rates and comprehensive coverage.
West Bend Mutual Insurance Company: West Bend provides Wisconsin drivers with numerous discounts, helping them get the most out of their auto insurance policy.
State Farm: State Farm offers Wisconsin drivers reliable customer service and a wide variety of discount options to help them save money on car insurance premiums.
Progressive: Progressive's pricing structure makes it a good choice for Wisconsin residents looking for an insurer that can provide flexible coverage without breaking the bank.
Farmers Insurance: Farmers offers Wisconsin drivers a lengthy list of discounts to help them get the most out of their policy. While they may not be the cheapest option in Wisconsin, they are worth considering for those looking for comprehensive coverage at a fair price.
No matter which French Island car insurance company you choose, comparing rates from several different insurers is always the best way to ensure that you're paying the lowest possible rate for your auto insurance coverage. Shopping around and taking advantage of available discounts can make all the difference when it comes to finding affordable auto insurance in Wisconsin.
3 Auto Theft Statistics in Wisconsin
Wisconsin has long been known for its auto theft problem. In fact, Wisconsin ranks 8th in the nation for auto theft rate with a rate of 225.6 per 100,000 people in 2018. Here are three Wisconsin-specific auto theft statistics you should know about:
Wisconsin had the highest number of vehicles stolen in Milwaukee County in 2018 with 3,436 incidents reported - about 40% of all vehicle thefts in Wisconsin that year occurred there.
Wisconsin also had one of the highest recovery rates for stolen vehicles nationwide at 81%.
Wisconsin also ranked 13th nationally when it comes to carjacking incidents, with an average of 284 incidents per 100,000 people annually between 2014 and 2017.
These statistics illustrate the importance of taking precautions to protect your vehicle. Wisconsin residents should make sure to secure their vehicles with an anti-theft device and avoid leaving valuables in plain sight as these are common deterrents for thieves. Additionally, French Island drivers should always park in well-lit areas that have a lot of foot traffic so they can take advantage of natural surveillance techniques. Additionally, they should keep their windows up while parking and not leave a spare key in their car. Taking these steps can help Wisconsin residents reduce the risk of becoming a victim of auto theft.
8 Interesting Driving Statistics in Wisconsin
Wisconsin is known for its natural beauty and plentiful outdoor activities, but did you know Wisconsin is also one of the safest states to drive in? Wisconsin drivers enjoy a lower fatality rate compared to other states, as well as fewer traffic fatalities per capita. Here are eight interesting driving statistics from Wisconsin:
Wisconsin has the fourth lowest fatality rate in the nation with only 7.3 fatalities per 100 million miles driven— this number is significantly lower than the national average of 11.4 deaths per 100 million miles driven.
The percentage of Wisconsin drivers who wear seatbelts when driving or riding in a motor vehicle is one of the highest nationally, with 90 percent compliance statewide.
In Wisconsin, the number of traffic fatalities per capita is 5.6 per 100,000 people— this is substantially lower than the national average of 12.4 deaths per 100,000 people.
Wisconsin is one of only eight states with a ban on talking or texting while driving that applies to all drivers regardless of age.
Wisconsin has some of the strictest laws for teenage drivers in the country, including a graduated licensing system with restrictions for young adults under 18 and nighttime driving curfews for teens under 17.
Wisconsin has legislation that bans distracted driving (including cell phone use) for all school bus drivers when transporting passengers in Wisconsin.
Wisconsin recently passed legislation that requires all drivers to use headlights during the day in times of limited visibility due to weather.
Wisconsin has a comprehensive bike law that requires motorists to give cyclists at least three feet of space when passing them on the road.
What is the average car insurance rate in French Island Wisconsin?
The average rate for French Island is $1,411. Look for discounts to make this even more affordable.
What is the minimum coverage required in French Island WI?
In French Island Wisconsin, your policy must have at least $25,000 of coverage for injuries per person, up to a total of $50,000 per accident, and $10,000 of coverage for property damage.
How much is car insurance typically for 2 vehicles in French Island WI?
Average cost for two vehicles in French Island is $3,640. This can of course vary greatly with liability only, full coverage, or SR-22 insurance.
How can I get cheap car insurance in French Island WI?
To get low cost car insurance in French Island, WI, simply fill out the form above and compare quotes then pick the best one.