Auto Insurance in Algoma and Sister Bay

If you need proper auto insurance in Egg Harbor WI, Fish Creek WI or Sister Bay then Stoneman Schopf can help. Proper auto insurance means you are covered for your real risks at the best possible price.


When it comes to car and auto insurance you want to be covered for your real risks without paying more than you should. The first type of coverage you need with car insurance is liability insurance. This is also the only part of car insurance that is legally required by law. It covers your financial responsibility to others. If your bad or negligent driving causes injury or damages to others, you are liable and you need to be able to compensate 3rd parties for such damages or injury. Liability covers puts you in that position.


Now you might just go for 3rd party insurance and be done with it. But then you are taking a significant risk and potentially leaving a lot of money on the table. If you are involved in a road accident damages to your vehicle will be substantially more than the cost of collision insurance. Then we are not even talking about potential hospital and medical costs should you be inured in car crash. You should seriously consider collision insurance and personal injury protection as part of your overall auto insurance coverage.


Another big factor is the cost of your auto insurance. There are many things that influence the cost and there are things you can do to bring down the cost. First thing to do is to deal with an independent agent who can find you the best deal among several carriers. They also know about discounts such mature driver discounts, good student discounts, multi-policy discounts and so on.


Other things that have a bearing on auto insurance costs include your driving record, driving habits, where you live and the type of vehicle you are insuring.