Car Insurance

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

Friday, August 1st, 2014

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.

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

Friday, July 18th, 2014

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.

Cheapest Car & Auto Insurance in Plymouth, Ripon, Waupun

Friday, July 4th, 2014

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?

Wednesday, July 2nd, 2014

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**

Fond du Lac Child Life Insurance Questions 6/10/2014

Tuesday, June 10th, 2014

life-health-img-1

This week in Fond du Lac Child Life Insurance Questions, we received several inquiries on life insurance for a child. The info below should be very helpful.

Question 1: My son just had a baby boy. I’m a grandparent! Is it a good idea to buy a policy for my grandchild?

Answer: This is a great gift. One company we partner with has a simple child policy, also known as a jumping juvenile, which increases it’s coverage when the child turns 18 and 25 years old. It’s a whole life product, which means it’s permanent insurance which will keep it’s premium cost until death. An example, a newborn policy which starts at $10,000 coverage, jumps to $15,000 at age 18, and jumps to $20,000 at age 25 costs $73/year or $6.27/month!

This is a great value. When this young man is 80 years old, his policy still costs $73/year. In comparison, an 80 year old buying a new policy would be charged over $2,600/year. The policy can be surrendered for it’s cash value any time and, should the worst case happen, it’ll help pay for funeral expenses and a legacy.

Question 2: What options are there for my newborn baby?

Option 1: Jumping juvenile policy mentioned above. Starts at $10,000 coverage and jumps to $20,000 coverage. It’s a whole life product for under $100/year.

Option 2: Single Pay Whole Life. Pay about $1,700 today and never pay again for this $20,000 coverage whole life policy.

Option 3: Everything else. There are many ways to insure newborns. Call a Behnke Insurance professional for ideas at 920-922-3850.

Question 3: How does ownership work with baby insurance policies?

Answer: You can be the policyholder. You designate the baby as the insured. You select a beneficiary. Down the line, you can transfer ownership from yourself to the baby, perhaps when he’s an adult.

Fond du Lac Home Insurance Questions 6/9/2014 – Falling Trees!

Monday, June 9th, 2014

House

This week in Fond du Lac Home Insurance Questions, the topic came up, “What happens when a tree falls over and damages my house?” This is an excellent question and a real concern for homeowners everywhere.

MATT’S TREE HITS MATT’S HOUSE

Matt pays his home deductible and insurance pays the rest of repairs. Debris removal is paid up to the limit.

MATT’S TREE HITS JOHN’S HOUSE

John pays his home deductible and insurance pays the rest of repairs. Debris removal is paid up to the limit. If John thinks Matt was negligent in his tree maintenance, John’s insurance company may sue Matt to have Matt’s insurance cover John’s deductible. To have negligence stick, you generally need to have documentation about the tree issue.

MATT’S TREE HITS MATT’S CAR

Matt pays his car comprehensive deductible and insurance pays the rest of repairs. If Matt doesn’t carry comprehensive insurance, insurance will not cover it.

MATT’S TREE HITS JOHN’S CAR

John pays his car comprehensive deductible and insurance pays the rest of repairs. If John thinks Matt was negligent in his tree maintenance, John’s insurance may sue Matt to have Matt’s insurance cover John’s deductible. To have negligence stick, you generally need to have documentation about the tree issue. Also, debris removal isn’t covered by either party’s insurance (it gets activated once the home deductible is activated, which doesn’t happen in this case).

MATT’S TREE FALLS BUT DAMAGES NOTHING

Insurance will not pay for debris removal when damage hasn’t happened to the home.

WHAT ABOUT TREES THAT LOOK LIKE THEY’RE READY TO FALL?

Insurance covers accidents that happen, not accidents that may happen. Ultimately the homeowner will save most by proactively preventing accidents. While getting stuff repaired is nice, paying your deductible and seeing your home insurance premiums rise from claim activity are not in policyholders long-term interest.

 

Policies vary by company. Call a Behnke Insurance professional agent for details!

Fond du Lac Insurance Agency also serving Ripon, Oshkosh, Waupun, Sheboygan and more

Friday, June 6th, 2014
Behnke Insurance Staff

Behnke Insurance Staff

The Behnke Insurance Agency was started and still is in Fond du lac, WI. Although primarily selling the city of Fond du Lac insurance products since 1973, we also serve plenty of personal and commercial customers in other cities. Today, just about 190 cities between Wisconsin and Minnesota have some insurance from our agency.

We’re able to do this effectively because of our skilled insurance agents and employees, our continued commitment to technology, and most importantly because our customers tell their friends about the service they receive here at Behnke Insurance.

Although we are based in a nice-sized town like Fond du Lac, our reach is really a reflection of our ability to help serve customers.

**Call Behnke Insurance Agencies today, 920-922-3850**
**Like us on Facebook https://www.facebook.com/BehnkeInsurance**

Cheap car insurance vs. Valuable car insurance | Fond du Lac

Thursday, June 5th, 2014

A common request we at Behnke Insurance Agencies of Fond du Lac get is “Can you find me the cheapest car insurance?” We’re always happy to check around for our customers and prospects, asking each of our partnered companies what they can offer. However, a distinction needs to be made about “cheap car insurance”.

Here’s a good example of cheap car insurance: I keyed my information into a popular company’s online system and it recommended a policy for me. I’d save 50% on my annual insurance! But, their recommended policy eliminated or reduced all but one of the standard coverage options I had before. This is cheap insurance because it costs very little AND it doesn’t meet my needs.

A difference is valuable insurance. As your life situation changes and your nest egg grows, your protection should grow with it. Each policy is personalized to your unique needs. The most valuable part of the insurance you buy from Behnke Insurance is the agent you get to work with directly. We find the best price among quality companies we represent, ask you about your coverage needs and make recommendations based on these needs. The final option is always yours, but we have a teaching responsibility to each of our prospects and customers. Valuable insurance makes you feel better because it gives you peace of mind at a competitive price.

If you’re looking for cheap car insurance, let us know and we’ll tell you about something better: valuable car insurance.

**Stop in, email or call a Behnke Insurance agent for details**

Fond du Lac Life Insurance Questions 6/4/2014

Wednesday, June 4th, 2014

Today’s post will describe some different Fond du Lac life insurance questions we’ve received in the past week. These turned out to be some pretty common life insurance questions, so I hope this Q&A section benefits you.

Question 1: I qualified for the standard life program. Can I attempt to requalify for their preferred program, which features lower premiums?

Answer: Yes. You may submit to a reexamine upon renewal. A great reason to do this is if you recently gave up smoking and all tobacco usage. With most companies, if you are smoke free for 2 years, you can move to a much less expensive program.

Question 2: What’s a contingent beneficiary?

Answer: Your primary beneficiary is the person who receives your life insurance policy’s death benefit. Your contingent beneficiary is who receives the death benefit if both you and your primary beneficiary die from the same accident. Check with your agent and your policy for details of the timing.

Question 3: Who should have life insurance?

Answer: Anyone who wants to provide financial assistance after death. The big three reasons are: 1. to pay off loans or a mortgage if I die, 2. to support my children’s education if I die and cannot provide an income stream, 3. to pay for funeral expenses, which average $8,700 in Wisconsin. The earlier you purchase life insurance, the lower your price will be. It can save to be proactive!

Contact a professional at Behnke Insurance for inquiries in Fond du Lac, Oshkosh, Waupun, Ripon and Sheboygan area.

Fond du Lac Motorcycle Insurance 6/3/2014

Tuesday, June 3rd, 2014

This post is going to be all about the types of Fond du Lac motorcycle insurance questions we get here at the office. It’s definitely riding season now and the Harley Davidson bikes and sporty bikes are ready to roll.

Question 1: I want to remove coverage for the winter season when my bike is in the garage. Can I do that?

Answer: We strongly recommend against this. While you can cancel a policy at any time, the trouble comes when reapplying for the motorcycle insurance. Most companies don’t like to play the “motorcycle game” and will charge more or refuse coverage. Additionally, motorcycles are not eligible for Comp Only coverage where liability protection is removed.

Wisconsin companies do lower the price of motorcycle insurance to compensate for the needed “Winter Discount”. A quick comparison showed me that the same coverage is: Wisconsin $557/year vs. Alabama $962/year vs. Florida $1,356/year. While it does seem unfair that you cannot remove winter coverage, you are being compensated for it.

Question 2: My bike has accessories. Are those protected?

Answer: Yes we can protect those. Let us know the amount of protection you need and retain receipts and photos of the items. This includes chrome packages and non-stock bags.

**Call a Behnke Insurance professional agent for details**