Car Insurance

Everyone wants to save money on car insurance, and at Main Street Insurance, you can. As your local independent insurance agency, we can help you shop and compare coverage from all across the Badger State until you find a policy that matches your unique needs and budget.


How Much Insurance Do You Need?

Like other states, every driver in Wisconsin is required by law to carry a minimum amount of coverage. These minimums were established to help ensure victims receive compensation when they are injured, or their property is damaged due to the actions of an at-fault driver. However, most Wisconsin drivers need much more coverage than is actually required.

Without enough coverage, you could be held personally responsible for any financial damages you cause. You might also need to reach deep into your pockets to compensate for the loss or damage to your own vehicle, or for any injuries you sustain in an accident. Instead of coming up short on your insurance protection, let Main Street Insurance show you how using an independent agent can help you save money on your car insurance without sacrificing the quality of your coverage.

Types of Wisconsin Auto Insurance

Any well-rounded auto insurance policy will include multiple coverage types to better secure your income and assets. Some of these coverages are mandatory in the State of Wisconsin, whereas others are only required if a lender has a lien against the title of your vehicle. We can help advise you on which coverage types and how much of each may be right for you. Your policy may include coverage for:

Bodily Injury and Property Damage Liability

If you cause an accident that damages someone’s property or causes a third-party injury, you can be sued for the damages. Car insurance liability coverage helps protect against a wide range of expenses related to auto accident litigation, including court fees, legal defense costs, and the judgments or settlements against you for victim medical bills, property damages, rehabilitative expenses, lost wages, and more.


This is the coverage that compensates you for damages to your own car if it is damaged in a collision. Depending on the extent of the damage, you may receive compensation for vehicle repairs, or you may receive a settlement check reimbursing you for the loss of your vehicle if it is damaged beyond its actual cash value.

Keep in mind that any claims made against your collision coverage are likely subject to the deductible you choose when you purchase the policy. The deductible is the amount you agree to pay out-of-pocket for your losses. Low deductibles are available and can minimize your cost burden after an accident, but many clients instead opt for high deductibles that typically lower the upfront cost of premiums. We can help you decide between a low or high deductible depending on your budget and preferences.


Like collision coverage, comprehensive protection insures your personal vehicle. Instead of collision damages, it pays for the repair of damages caused by other events, such as wind, hail, or a fallen tree. Like collision coverage, any claims you make against this section of your policy may also subject to a deductible.

Uninsured/Underinsured Motorist

When drivers operate a vehicle with no liability insurance, they are not only breaking the law, but they are also putting you in financial danger. If you are injured in a hit-and-run or by an uninsured motorist, this type of coverage can compensate you and your passengers for medical expenses stemming from the accident. Your policy can also include coverage that subsidizes low-limit coverage when an at-fault driver has too little liability coverage to pay for your medical expenses.

Medical Payments

If your policy includes medical payments coverage, it will issue payment for the medical costs you and your passengers incur in an accident regardless of who caused the injuries. The coverage is usually limited to only a few thousand dollars, but since no fault needs to be established, medical payments protection can provide quick access to financial assistance while you seek medical attention for your injuries. It does not absolve the other driver of any liability, but it can provide much-need financial relief while you wait for a settlement or judgment.

Roadside Assistance and Towing

Accidents happen. Whether you run out of fuel, have a flat tire, or lock your keys in your car, it’s nice to know that help is on the way. Talk to your agent about adding 24-hour coverage for roadside assistance and towing to your policy.

Rental Car Coverage

If your vehicle is completely totaled or severely damaged, you may need alternate transportation while you shop for a new car or wait for the body shop to finish the repairs. Adding rental car coverage to your policy can reimburse you for some or all of the cost of renting a temporary vehicle.

Save Money on Wisconsin Auto Insurance

Everyone wants to save money on their car insurance, and we here at Main Street Insurance can show you how. As an independent agency, we don’t work for insurance companies – we work for you. We can assess your risks and exposures, help you determine your coverage needs, and then shop and compare rates from multiple companies to find a policy that is right for you.

Wisconsin Car Insurance Discounts

Many drivers are eligible for discounts that can save as much as 15 percent or more on car insurance premiums depending on the insurer. Examples include:

  • Claims-free discounts
  • Multiple policy discounts
  • Multiple vehicle discounts
  • Low mileage discounts
  • Good student discounts
  • Driver safety course discounts
  • And more

If you are in the market for new car insurance, let us show you how using an independent agent can help you save. Contact our office today to request your free Wisconsin auto insurance quotes. We look forward to serving you soon.

Car Insurance FAQs