Auto Insurance in Madison, WI

Auto Insurance in Madison, WI

Insurance is simply pre-planning to help protect you from expensive or even devastating surprises. If you are looking for auto insurance in Madison, WI choose the insurance experts that choose integrity every day at Cliff Insurance.

– Pay for your medical bills after an accident

– Give you peace of mind, you have other things to worry about

– Protect you from damages that come with a lawsuit

– Safeguard your investment in your vehicle

– Protect you from uninsured or underinsured motorists

– Pay for repairs due to vandalism, theft or natural disasters

Car Insurance Quotes

Shopping for car insurance? At Cliff Insurance we are able to work with more than ten insurance providers, and we make sure you’re getting an accurate comparison: we select the same set of coverages, deductibles and coverage limits for each quote you get. In addition to choosing coverages and coverage limits that meet your state’s requirements, we will also look at coverages to help protect your vehicle, such as collision coverage or comprehensive coverage. When we have exhausted all of our resources to ensure you are getting the best coverage for the best price, you will be happy with what we get you set up with.

Some coverages, like collision coverage, have a deductible associated with the coverage. We will look at various deductible amounts with you and how that would affect your premium payments and your overall coverages.

Once we’ve looked at all of the insurance quotes with the same coverages, limits and deductibles we will be able to see which the best provider for your specific situation is. If you prefer to do all of this legwork at home there really isn’t an advantage to doing so. Cliff Insurance provides this level of service at no cost to you. It’s a part of working with the company that stands for integrity in insurance.

We provide car insurance quotes to drivers in Madison, WI at your convenience. Please contact us today to get started!

State Car Insurance Requirements

When it comes to car insurance, each state’s laws are different and determine the coverage types and minimum coverage limits you must purchase. For example, in Texas, you’re required to have bodily injury liability coverage with minimum limits of at least $30,000 per person and $60,000 per accident. Again, these numbers can vary by state, so be certain you know your state’s requirements. We can answer any questions you have on this and ensure you are properly covered.

Your insurance should be as unique as the vehicle you drive. When you talk to our agents for a personalized quote, you can also get info on insurance rates, safety features, discounts and more for your car’s make and model. Often we are able to cover parts of your vehicle that are custom or do not come standard.

Contact an Expert

Our Auto Agents Work For You

If you are looking for advice when you are making important coverage decisions or if you need a helpful guide through the car insurance claims process, the team at Cliff Insurance is here to help simplify your insurance experience. Our staff helps with:

– Adjusting your coverages as your life changes

– Finding available discounts to save you money

– Answering any questions or concerns you have

– Helping you through an insurance claim

Madison Area Helpful Links

Types of Coverage

Collision coverage – Covers expenses related to the damage or destruction of your vehicle

Comprehensive coverage – Covers expenses related to your vehicle in situations like thefts or storms

Medical payments coverage – Covers medical or funeral expenses if you or your passengers are hurt

Liability coverage – Covers expenses related to injury, death or property damage when you’re at fault

Rental reimbursement coverage – Covers the cost of renting a car while your vehicle’s in the shop

Roadside coverage – Covers the cost of common roadside services like tire changes and jump-starts

Personal umbrella policy – Covers liability above and beyond your other liability underlying limits

About Madison, WI

Because of its location, Madison is the trade center of a large agricultural area that produces dairy products, corn, tobacco, soybeans and livestock. Food processing is one of the major industries, and Oscar Meyer Foods Corp. has its corporate headquarters located in Madison. Health care and insurance services, printing, and manufacturing (truck trailers, medical equipment, and agricultural equipment) are important to the economy. The USDA Forest Service Forest Products Laboratory established in 1910 also calls the city home. The basis of the city’s economy and prosperity are founded in government operations and the university of Wisconsin-Madison which was established in 1848.

Madison is the capital city of Wisconsin and it was established in 1838. The city is Wisconsin’s second largest and it lies in the south-central part of the state. Three different native American tribes were early inhabitants of the area. In 1836 the city was founded by James Duane Doty, a former federal district judge and land speculator who held large holdings in the area. A year of aggressive land speculation in the newly created Territory of Wisconsin, Madison was named for President James Madison, who had died that summer. It is centered on an isthmus between Lakes Mendota and Monona. Those two lakes and lakes Waubesa and Kegonsa to the southeast, form the “four lakes” group about 75 miles west of Milwaukee. That same year the city’s founder persuaded the legislature to make Madison the permanent capital of Wisconsin and to establish a university there. Although the wooded area was still mostly uninhabited, construction of a capitol building commenced very quickly, and late in 1838 the territorial legislature held its first session in a nearby building. In 1848 Wisconsin became a state and a wealthy businessman from Milwaukee, Leonard J. Farwell, brought industries to begin locating in the city in the year 1850. When the railroad arrived to the area in 1854 steady development ensued.

Madison is a beautiful city whose features include landscaped lakeshores, bicycle paths, and several large parks. The city’s skyline is dominated by the State Capitol which is modeled after the U.S. Capitol building in Washington, D.C. The white granite dome is topped by a statue which is appropriately named Wisconsin. The statue is made of bronze and created by sculptor Daniel Chester French covered in gold leaf and symbolizes the state motto: “Forward.” The capitol building is located within a thirteen acre park known as the Capitol Square. From May through October the square is the site of a popular farmers’ market, as well as concerts and other events. The University of Wisconsin–Madison Arboretum on Lake Wingra, and Olbrich Botanical Gardens Governor Nelson State Park on Lake Mendota, Lake Kegonsa State Park on Lake Kegonsa, provide other outdoor recreational opportunities. An architectural beauty, The Monona Terrace Community and Convention Center which was built in 1997 is overlooking Lake Monona and based on a 1938 design by famous architect Frank Lloyd Wright. Madison is the location for the original campus of the University of Wisconsin, whose 930-acre main campus includes an art museum, geology museum, and a scenic lakeshore path. There are also two other small colleges located in the city. One of Madison’s most popular and well-known spots is State Street. It includes a pedestrian mall that extends several blocks between Capitol Square and the campus for the University, and it is lined with shops, restaurants, bars, and art galleries. The city is also the site of Mendota Mental Health Institute which is the state’s first mental health facility established in 1860. Madison is a wonderful place to call home.

Understanding Coverages

It can be a little confusing to understand all of the auto insurance coverages that are available but it’s important to know what coverages are required for your specific needs. After all, it would be a shame to have all of the coverages you need on your vehicle only for it to be a total loss because you were missing an important coverage. We’re here to help.

To help you feel confident about your car insurance, we’ve attempted to explain it here by explaining the fancy insurance jargon that doesn’t make sense to anybody who doesn’t live in the business of insurance every day. If something here still doesn’t make sense, please feel free to contact us and we will explain further.

Auto Insurance Coverages

Basic auto insurance coverages typically fall into one of the three following categories:

– Coverages that protect your car

– Coverages that protect you and your passengers

– Coverages that protect your finances, or liability

Protecting Your Car

When your car’s not available to you for any reason, it can feel like your whole life is on hold. The following vehicle coverages are designed to help you get back on the road in the event of an accident so that you are not without your transportation and the disruption to your life is minimal.

Collision Coverage

Collision coverage, together with comprehensive coverage, are the two major components of what’s often referred to as a full coverage policy. While your property damage coverage helps others repair their cars, collision coverage is there to cover the repairs or replacement of your vehicle. In the event that you cause an accident, collision helps to either repair damage or replace damaged parts of your car. Comprehensive and collision coverages are not state-mandated coverages, but they are often required by banks or leasing companies to ensure their investment is covered by insurance.

Comprehensive Coverage

This coverage is for all those unpredictable elements that spring up on the road or anywhere else you drive your vehicle. Comprehensive coverage can help pay for repairs or replacement, if your car is a total loss. After your car’s damaged by a natural disaster, vandalism, theft, fire, or a falling tree branch comprehensive coverage is what is used for your claim.

Rental Car Coverage

This coverage reimburses you for the cost of your rental car if your insured vehicle is in the shop or is unavailable due to an accident. You need to have comprehensive and collision on your policy in order to add rental car coverage. Most of our car insurance quotes include this when customers want to have the convenience of a rental car when their vehicle is being repaired.

Emergency Roadside Coverage

ERS, also referred to as towing and labor coverage in some states, can be added to policies that have comprehensive and collision coverages. It can be a big help to ensure that you are never stranded by mechanical failure or in need of maintenance like tire changes, gas fill-ups, battery jumps, etc.

While no one can argue the importance of collision and comprehensive coverages, none of them spring into action until the car gets to a repair shop. This is where emergency roadside assistance comes to the rescue. In the meantime, there’s still the matter of towing and other roadside service fees, which can add up to a significant cost.

Rental Car Coverage

This coverage is another convenience and is set up to reimburse you for the cost of the rental car you need if your insured vehicle is ever in the shop or is unavailable due to an accident. You will need to have comprehensive and collision on your policy in order to add rental car coverage. In certain states.

Medical Payments

Medical payments coverage, also known as medical and funeral services payments, can help medical expenses related to an automobile accident (including funeral expenses) for you, other drivers listed on your policy, and even passengers. If you’re ever hit by a car as a pedestrian or cyclist, you can also be covered by this type of policy.

Gap Coverage

A car’s value depreciates over time. But if you financed or leased a vehicle and have an accident that’s declared a total loss, it is a possibility for you to end up owing MORE to your financing or leasing company than the car is actually worth. This is where loan/lease gap insurance comes into play.

Insurers don’t determine your actual cash value (ACV) settlement based on what you owe. It is actually based on what your vehicle is worth just prior to the accident. For example, let’s say you owe $25,000 on the vehicle you financed, but it’s only worth about $20,000. In this situation if your car is totaled, you might get a settlement check of $20,000 but still owe an additional $5,000 on your loan or lease.

Loan/lease gap insurance helps bridge this divide between the ACV and what you still owe.

Coverages That Protect People

Medical coverages can help pay for expensive medical expenses for you and your passengers after an accident that is covered by your policy. It is important to understand the coverages available to protect the most important part of the equation, human capital.

Cheapest Auto Insurance

The cheapest auto insurance isn’t necessarily the best. We can help you get the coverages you need while making sure that you get a great price. Liability insurance will help pay for damaged property, medical care, and lost wages for other drivers and passengers if you’re found at fault in an accident. Each state sets its own minimum limits that drivers must have on their car insurance policies. These minimums are typically expressed in three different tiers that are all required: 50/50/25, for example. Here’s what these numbers mean:

  • 50: The max amount (in thousands) the insurance company will pay toward injury-related expenses per person
  • 50: The max amount the insurance company will pay toward injury-related expenses per incident
  • 25: The max amount the insurance company will pay for property damage for each incident

When you buy your policy, we will ensure that every policy we have you consider already covers these limits so you don’t have to worry about what your state requires. If you desire more coverage than the minimums the state requires, you can always set limits that are higher.

Bodily Injury (BI)

BI liability is a basic that every car insurance policy is built upon. Bodily injury insurance covers medical expenses and lost wages for injured drivers or passengers. Liability insurance can also help cover any legal fees if you’re sued for further damages.

Liability Coverage (No-Fault)

In states with no-fault insurance, insured drivers are typically paid for their medical expenses directly by their own insurers, regardless of who caused the accident. Regardless, BI liability coverage is still required in no-fault states because if the injuries require large expenses, the at-fault driver may be sued by the injured party. If a lawsuit occurs, your BI coverage will help cover your liability expenses. Property damage liability works the same in no-fault states as it does in other states. The driver found at fault is responsible for any damage caused by the accident.

If you are looking for auto insurance in Madison, WI, choose the company that stands for integrity in insurance and contact a Cliff Insurance representative today!