Reis Insurance Agency, located in River Falls, WI, has been providing individuals and families with auto insurance since 1974. Our independent insurance agents specialize in helping you secure the most comprehensive vehicle insurance coverage, from top-rated car insurance companies, at the best possible price. From motorcycles and snowmobiles to ATVs and mobile homes, we’ve got you covered. As your independent insurance agency, you’re not locked to a single auto insurance quote or carrier. Rather, we’re poised to provide you with the best car insurance quotes and coverage options from your choice among more than 50 top-rated insurance carriers.
Car Insurance FAQs
How much auto insurance do I need in Wisconsin?
The Wisconsin minimum auto insurance requirements are designed to provide a small level of protection in the event you damage someone else’s property, or you cause harm to another person. In Wisconsin, drivers need a minimum of $25,000 per person and $50,000 per accident for Bodily Injury Liability Coverage and $10,000 per accident for Property Damage Liability Coverage.
What is the best deductible?
The best deductible is what you can afford to pay out of pocket when you file an auto insurance claim. The higher the deductible, the lower your premium will be, and vice versa. A higher deductible means your accepting a more significant portion of the risk yourself. It is best not to take on more risk than you can afford.
What is “full coverage?”
There is no such thing as “full coverage” insurance. Full coverage auto insurance is a term that is used to suggest you have chosen protection that goes beyond the minimum coverage required by your State. It typically includes collision and comprehensive coverage, medical payment coverage, and uninsured and underinsured motorist coverage.
How can I save money on my car insurance?
You can save money on your car insurance by avoiding moving violations, crashes, DUIs, and other incidents. By having a clean driving record, you may also qualify for a safe driver discount. Students may qualify for good student and student-away-at-school discounts. Your vehicle’s anti-theft devices and safety features may also provide more discounts. Paid-in-full, multi-car, and prior carrier discounts are also common.
How long does an auto accident affect my insurance?
A crash won’t impact your car insurance premiums forever. After about three to five years, your rates should recover. Exactly how long this takes will depend on the type of accident as well as the company you are insured with.
Is buying direct cheaper than buying through an agent?
Buying direct is not always cheaper than buying through an agent. You might think that cutting out the middleman would result in cheaper car insurance rates, but when it comes to insurance, this isn’t the case. In fact, an independent agent, one that represents many insurance companies, can often save you money.
What is the best auto insurance company?
The best auto insurance company differs per individual. No insurance company is objectively the best. It all depends on what you’re looking for. Do you want the best customer service, the broadest coverage, or the lowest rates? Or maybe you have unique coverage or underwriting needs? An agent can help you compare car insurance quotes from multiple insurance companies and find the right policy for your situation.
What is the best or cheapest auto insurance rate?
The best or cheapest auto insurance rate can be found by comparison shopping. Compare premiums as well as differences in coverage. An independent insurance agent can help. They can provide options from multiple carriers, along with the expert guidance you need to make a smart choice.
How do I switch to a new auto insurance company?
You can switch to a new auto insurance company at any time, but to avoid overpaying or violating state law, you do need to watch out for a couple of things. Car insurance policies are often sold for coverage periods of six months or one year. In some cases, you may be charged a fee if you decide to cancel your insurance policy early. You may also be entitled to a refund for the unused portion of the premium. You also want to make sure you have continuous coverage to avoid a coverage gap.
Your One-stop Auto Insurance Quote and Coverage Shop
You’ll save time partnering with Reis Insurance Agency, where we serve as your one-stop car insurance comparison and coverage shop. No need to contact numerous auto insurance agencies for quotes. One call to Reis Insurance Agency is the only call you need to receive insurance quotes, recommendations, coverage options and rates from the best carriers for you.
In Search of Auto Insurance Quotes for Discounts?
Or do you need a car insurance rate for a teenage driver? Your search stops here. Reis Insurance Agency can help you access automobile insurance quotes from many car insurance companies at once. Together with you, we’ll help you evaluate your coverage options and compare pricing. We’ll also inform you of auto insurance quotes for discounts that may be available to you, such as:
- Multiple vehicle discounts
- Good driver discounts
- College graduate discounts
- And more
Save Money and Time, with Reis Insurance Agency on Your Side
With Reis Insurance Agency, you’ll get the best, most appropriate auto insurance quotes and coverage at the lowest possible price. Within just a few minutes of requesting a car insurance quote, you could save hundreds on vehicle insurance.
The Auto Insurance Quotes and Coverage You Need
If you know people who have been in car accidents, you know the chances that you will experience one are very likely. Since car accidents are so common, it is important to make sure all of your vehicles are adequately covered.
The types of vehicle insurance we offer include:
- ATV Insurance
- Auto Insurance
- Boat Insurance
- Camper Insurance
- Motor Home Insurance
- Motorcycle Insurance
- RV Insurance
- Snowmobile Insurance
- Trailer Insurance
We also perform SR22 filing with the Department of Motor Vehicles on your behalf.
Major Auto Insurance Policy Protections You Should Consider
When partnering with us, we’ll inform you of the major policy protections you should consider when purchasing car insurance. These options help protect your finances and cover your costs when an auto accident occurs:
Bodily Injury Liability:
Pays for injuries the driver causes to someone else when operating an insured vehicle
Collision:
Pays for vehicle damage resulting from an accident with another vehicle or object
Comprehensive:
Pays for damage or loss resulting from non-collision incidents, such as flood, fire, theft, or contact with animals, such as deer. Also includes windshield reimbursement
Property Damage Liability:
Pays for damages the driver causes to another’s property, such as a car, fence, traffic sign, or other structure
Medical Payments or Personal Injury Protection:
Pays for the cost of treating injuries, and possibly lost wages and funeral expenses in the event of death from an auto accident
Uninsured and Underinsured Motorist Coverage:
Pays for injuries, lost wages, medical treatment, and other damages to you and your passengers in the event an uninsured or underinsured driver hits you and protects you if you’re hit as a pedestrian
Reach Out to Reis Insurance Agency
Reis Insurance Agency is here to help residents of River Falls, Wisconsin, Hudson, WI, Ellsworth, WI, Western Wisconsin, Eastern Minnesota and beyond secure auto insurance quotes and coverage. Our independent insurance agents will work hard on your behalf to compare car insurance and maximize your discounts from leading car insurance companies. Here, you will get the coverage you need from the best auto insurance carrier for you, at the best possible price. As a full-service insurance agency, we can also respond to all of your personal and business insurance needs. Call us today at 715-425-6721. Send us an email: info@reisagency.com. Or stop by our office at 220 South Main Street in downtown River Falls, WI during regular business hours. We look forward to working with you.
