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Auto Insurance in Plymouth, Ripon, Waupun and Oshkosh, WI

Having the Right Auto or Life Insurance is a Sound Decision

If you make comparisons between different insurance companies you will discover that Behnke Insurance provides distinctive benefits over others. The insurance agents in our firm are dedicated to thoroughly understanding your distinct needs and take the time in recommending the insurance coverage that is ideal for you. From auto insurance to life insurance we offer it all. Our service areas include Fond Du Lac, Plymouth, Oshkosh, Ripon and Waupun WI. Our insurance agents can also proactively recommend insurance policy choices and discounts based on your individual circumstances. They will also help you to make policy changes and stay informed with respect to claims.

Benefits of Using Insurance Plans from Behenke Insurance

  • You can count on our agents for advice and flexible coverage choices to cater your evolving requirements and simple claims process. Our team of experts will always be there to help you to cater your personal as well as business needs and at the lowest price
  • Our  licensed and experienced insurance agents will guide you thoroughly with the different options available to help you select the best. Every agent in our company has undergone specialized training to make sure they can offer you with upfront and clear advice. After all, we wish you in having a policy which fits your needs appropriately and avoids surprises should your dear ones require in making a claim
  • We offer insurance coverage, which is tailored to fit your needs, budget and lifestyle at every phase of life along with the flexibility for making changes as your requirements evolve.

 With insurance covers from Behnke Insurance be it life or auto, you will be satisfied that we possess the expertise, stability and strength to be there especially when you need us. Having the right life or car insurance policy is a sound decision indeed. This will offer you a peace of mind that you are insured.

Insurance Agency in Plymouth and Ripon WI

Can An Insurance Agency Bring You Peace Of Mind?

 

You’re probably wondering if that insurance policy you have just paid for will ever be monetized to your advantage. And you’re also probably wondering if you should have bought that life insurance you’ve been thinking about lately. And then there’s the compulsory ones, like health insurance, car insurance…

Sounds awfully a lot like everything-insurance.

While the long list of needed insurance keeps your insurance agency happy, you’re wondering if all this does you or your family any good.

If you have doubts about your insurance agency or about the insurance policies you own so far, the read on…

Imagine what your life would be without these policies. Yes, they’re just pieces of paper, but imagine: what if you didn’t have them? What would happen then?

And while there are definitely mood-based insurance policies (you see a lot of people insuring their pens, feet, nose, cats, etc), you know deep down that the insurance packages you signed for are definitely not whims:

–          Take your health insurance as an example: people get sick, whether we like it or not. And the world we live in… well, let’s just say medical treatments are not as cheap as we’d like. Health insurance definitely helps you overcome the financial problems that come with health problems.

–          Having car insurance is another sound decision. You don’t have to be the one who crashes the car or scratches it. But accidents happen even to the most attentive and law-abiding drivers. Even though car insurance is compulsory by law you know a time will come when you will need it, so it is better to have it than to long for it.

–          Then, there is the house insurance policy that keeps you and your family safe from disasters…

Nothing compares to the peace of mind you have when you know that you, your family and your goods are insured in case of accident, disease, natural disasters, or other unforeseen events. So the next time you have doubts about insurance taxes, just imagine what you would have to go through if you didn’t have these policies at hand.

Personal Insurance in Plymouth and Waupun WI

Main Types Of Personal Insurance

Understanding the insurance market nowadays can be as challenging as trying to learn a new, completely foreign language from scratch. There are so many types of insurance policies available, so many contracts to sign and papers to fill out that there is no wonder so many people have no idea what kind of insurance they have.

What is a personal insurance policy and how is it different from other insurance packages?

The personal insurance is not that special; the term is used to refer to a type of insurance that is not business-related. In other words, personal insurance is another term for life insurance, or a type of insurance that meets the needs of an individual or a family rather than the needs of a business.

Personal insurance usually includes two sub-types of insurance: individual insurance or group insurance.

But insurance companies have been recently developing another sub-type of insurance, a policy that is specially catered towards seniors and preneed. They are known as niche-products, meaning that they serve a targeted market and address the needs of a unique kind of population.

In the wide group of life insurance plans there is also the pension. Pensions are considered a form of life assurance but they do have a high longevity-risk; therefore those who have pensions are usually advised to also purchase health insurance or another type of personal insurance.

Do you know what your personal insurance policy covers? Many don’t

The insurance agencies are not making it easier for their clients either: constantly renewing their policies, they are also renaming their insurance packages, thus confusing people even more.

Luckily for us, though, there is one good thing that’s going on in the insurance industry in Fond Du Lac, Ripon, Waupun, Oshkosh, Plymouth and throughout the country: with more and more insurance agencies appearing on the market, we are witnessing a slow, discrete, but sure decline in the prices of insurance policies.

Business Insurance and Commercial Insurance in Waupun, Ripon and Plymouth, WI.

Business and commercial insurance coverage for your type of business

Business insurance or commercial insurance can help to protect your financial interests in the event of some disaster and accident or other unfortunate event or mishap. However it is important that you have the right commercial insurance for your type of business. There is nothing easy or straightforward about business insurance and it is probably best to consult with a local expert in your area.

Behnke Insurance is an independent and local agent serving the business communities of Fond Du Lac, Ripon, Waupun, Oshkosh and Plymouth. There are many aspects to commercial insurance and there is no single policy that covers the requirements of different businesses.  As business owner you face many risks and there are specific policies designed to address and cover different perils.

The biggest risks do not necessarily lie in natural disasters and similar calamities. Yes we all face the possibilities of floods, storms, earthquakes, hurricanes and so on. But there are many other risks that happen more often. These include fire, accidents, mistakes as well as malicious actions such as theft and fraud.

There are general business and commercial policies to cover you against natural disasters and storm damage. However you can suffer severe losses as a result of unfortunate accidents, malpractice claims and liability claims.  Property insurance is probably the biggest component in your coverage but It also follows that liability insurance is an important part of your business insurance profile. Related polices include workmen’s compensations, group medical, commercial auto and errors and omissions.

Depending on the type of business you operate you may also need industry specific insurance such as builders bonds, marine insurance, aviation insurance, truckers insurance, haulage insurance and so on.

Another important aspect of business insurance is the cost. When you deal with an independent agent you are likely to get the best deal since such an agent has access to the best commercial insurance plans offered by leading carriers.

 

Auto Insurance and Car Insurance in Waupun, Ripon and Plymouth, WI.

Auto and car insurance is complex and should be left to the experts

You have many options for auto insurance in Fond Du Lac, Ripon, Waupun, Oshkosh or Plymouth  but how do you know which option is the best for your needs?  When you deal with an independent agent such as Behnke insurance, you can be confident you will get best value auto insurance tailored to you needs.

Some car insurance is required by law but that will only cover injuries related to a motor vehicle accident.  There are many other risks and possible related losses such as collision damage, storm damage, auto theft, vehicle right off and so on. Just as there different risks there are different policies designed to protect your financial interests in the vent that crash into such a risk.

Apart from covering your risks, you also want to get the best price possible. There are many factors that influence the cost of car and auto insurance. These include your current driving habits, past driving record, the type of vehicle you drive, where you live, how old you are and so on. Other factors that influence your insurance premiums is the way in which your policy is structured. For example you could opt for higher deductibles in exchange for lower premiums.

Now auto insurance is not only for your car or primary vehicle. Auto insurance can and should cover other valuable vehicles that you may own, such as boat or a snowmobile. If you extend your policy to include additional vehicles you could also qualify for additional auto insurance discounts.

All in all there is a lot involved when it comes to auto and car insurance.  You could spend hours of your time comparing quotes, terms, conditions, inclusions and exclusions or you could simply leave it somebody who knows what he is doing when it comes to insurance. Seems like a no-brainer to me.

Home Insurance and Homeowners Insurance in Fond du Lac, Ripon, Waupun, Oshkosh, and Plymouth

Things you can do to lower your home insurance rate

 

Are you looking for new ways to lower the price you have to pay for your home insurance? If your answer to this question is yes, then you should further read this article to find out methods that will lower the price of your insurance, no matter if you live in areas such as Fond du Lac, Ripon, Waupun, or Oshkosh, and Plymouth.

The first thing that you should do, in order to lower your home insurance cost is to verify how old the roof and the plumbing are. If these are older than 25 years, your house will be classified as a high risk residence, and the price you will have to pay for it will be extremely expensive. If this is the case, you should immediately hire a contractor, and replace or repair those items. This way, your house will not get classified as a high-risk, and therefore, you will not have to overpay for your insurance.

Installing a fire alarm, or burglar alarm is another measure that you can take when trying to reduce the costs of your insurance. This way, not only will your house be safer, but you will also get a discount which can vary between 5% and 10% from the price of your insurance.

Another factor that greatly influence your premium is the age of your home. This happens because in a new home, all the wiring, plumbing, roof, and so on are new, which means lower risks, and therefore, you can even get a discount of 30% from your initial premium if the home is recently built.

Last but not least, if you want to buy a new home, you should also pay attention to where it is located, since the neighborhood can also influence the price of your home insurance.

Auto Insurance and Cheapest Car Insurance in Oshkosh, Ripon, Waupun, Fond Du Lac and Plymouth

How to lower the cost of a teen’s auto insurance

 

When it comes to having their own car, teenagers nowadays run into all sorts of problems, especially because of the high maintenance and insurance costs. If you want to know how you can lower your teen auto insurance premium, you should continue reading this article.

If you are a young driver, and you want cut down on the insurance cost, maybe the best way to do this is to follow a driving training program. These kind of programs are now available almost everywhere, including areas such as Fond du Lac, Ripon, Waupun, Oshkosh, and Plymouth, and a great fact about them is that in some cases your insurer will pay for them. If you completed such a course, there are discounts given by your insurance company of up to 10%.

Another great fact about auto insurance is that, in case you are a student, you can get an extra 15% discount off your premium if you have a B average. Pay attention though, because if you violate any traffic regulation, and you get a ticket, the discount will no longer apply.

Pay attention in the type of car you want to buy. If you are a young driver, this is very important, especially when it comes to insurance price. If you do not want to pay a large sum of money on insurance, you should consider buying a conventional car, instead of a sports car, which should not be allowed for inexperienced drivers.

At last, you should do a little research of the market before you sign your insurance policy. This way you will find the best auto insurance that fits your needs, at the lowest amount of money possible.

Homeowners Insurance in Waupun WI, Ripon WI, Plymouth WI, Oshkosh WI

Homeowners insurance that is affordable and covers your real risks

Your home is your sanctuary and the place where you and your family should be happy and safe. Unfortunately things often go wrong and you can find yourself the victim of storm damage or some other disaster or mishap. This can disrupt your family life and also present unexpected financial consequences.  You cannot always stop or avoid a disaster but you can plan and be prepared for one. Homeowners insurance is one of the best and most affordable ways to protect your financial interests the event of some disaster or calamity.

Behnke Agency provides affordable and effective insurance to homeowners, landlords and tenants in Fond Du Lac, Ripon, Waupn, Oshkosh and Plymouth.

The right home insurance will cover your losses and help you get your life back to normal after a flood, windstorm, fire or other disaster or mishap.  Obtaining the right homeowners insurance is as important as the insurance itself.  You want to be confident that your homeowner’s policy covers your real risks and that any important exclusions are covered by a speciality policy. For example standard home insurance does not cover flood damage.

Homeowners insurance should not only cover your building and structures but also your possessions and potential liabilities. Whether you own a condo, a free standing home or an apartment, you want home insurance that is affordable, reliable and that matches your risk profile. The best way to be sure you have cost effective homeowner’s insurance that addresses your real risks is to deal with an independent agent. Such an agent has access to a number of top carriers and can select the right insurance plans for you.

You want to deal with an agent that takes the time to understand your unique requirements and then obtains the right insurance at the right price.

Cheapest Car & Auto Insurance in Plymouth, Ripon, Waupun

Many factors that influence the cost of your auto and car insurance

The best and most effective way to find the cheapest car insurance for your situation is to work with a local and independent agent in your area. Such an agent has access to a wide range of insurance options and plans from leading carriers across the country. Behnke is an insurance agent serving the communities of Fond Du Lac, Ripon, Waupn, Oshkosh and Plymouth.  If you want the cheapest possible auto insurance you should consult with an independent agent and provide all important and relevant information that can positively affect your risk profile and reduce the amount of your premiums.

Insurance carriers take into account a variety of factors when they determine their risk. A lower perceived risk could well translate into lower auto insurance premiums.  For example a standard sedan will attract lower insurance premiums than a flashy and racy sports car. Other factors include your age, gender, location, driving history, credit history, claims record and so forth.

However there are 4 critical factors that insurance carriers consider when determining the cost of your auto insurance.

Coverage and deductibles

 If you go for higher deductibles you will qualify for lower monthly payments and vice versa. In same manner it follows that the higher your coverage the higher your monthly premiums will be. Lower coverage will secure lower monthly payments.

Your vehicle safety factor

 Some vehicles are considered safer than others. Certain carriers will charge higher premiums for vehicles that are more susceptible to damage or theft.  If you drive a vehicle that is considered safer than the norm and also is equipped with anti-theft devices, you will qualify for lower premiums.

Your driving habits

These include how often your drive, how far you drive, what your past records indicate. If you drive regularly or often drive long distances you can expect to pay more. If you have a record of one or more accidents you will pay more.

Personal factors

These include age, gender, location and marital status.  For example, if you live in an area that is perceived to be safer than some other area, you will pay less.

Conclusion

Your insurance agent will check all these details and correlate them against various insurance plans in order to secure the cheapest possible car insurance for your situation.

Fond du Lac Car Insurance – Uninsured Drivers?

Car Accident

On this week’s Fond du Lac Car Insurance Q&A, we’ll be addressing what happens when an uninsured driver hits your car.

WISCONSIN: AN AT-FAULT STATE

In Wisconsin, when two cars have an accident together, the police will determine one of the parties to be at-fault. The at-fault party will be responsible for all damages, both bodily and property. This is really where insurance steps in and pays the bills for the driver. The driver will then have a tarnished insurance record, which will affect monthly premiums.

AN UNINSURED DRIVER RAN A RED LIGHT. NOW WHAT?

Now you have $5,000 damages to your car, medical bills totaling $20,000 and lost wages totaling $900.

  1. Your Uninsured Motorist Coverage acts in place of the other party’s insurance for bodily damages, up to  your limit.
  2. Your Collision Deductible will be what you pay to get your car repaired.
  3. You can then sue the uninsured driver to get your collision deductible back.

BAD WAY – You sue the uninsured driver for $25,900 and, if  you win, try to collect this money from them. Generally, uninsured drivers don’t have the assets for a large payout and actually collecting can be a challenge.

GOOD WAY – You have good car insurance and sue the uninsured driver for your $500 collision deductible. Collecting $500 is much easier than collecting $25,900.

**Call Behnke Insurance Agency in Fond du Lac, WI at 920-922-3850 for details**