Liability car insurance

two cars in a fender bender

What is liability car insurance? If you’re at fault in an accident, auto liability insurance pays for damage you cause to another person’s vehicle and covers costs for injuries others incur in the accident, up to a certain amount. Do I need auto liability insurance? The short answer is, yes, you likely need auto liability…

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Car insurance for college students: Your complete guide

mother helping son unpack car

Car insurance may be the last thing you get excited thinking about before heading to your new school. But coverage is important—and legally required. We’ve got you covered with everything you need to help you find the car insurance that’s right for you. Start by comparing quotes One of the most important steps to take…

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Comprehensive vs. collision insurance

Car after a crash

What is the difference between comprehensive and collision insurance? Comprehensive auto insurance applies to covered incidents beyond your control, including theft and weather-related damage. Collision auto insurance helps cover your vehicle if you’re in an accident—even if you’re at fault. If you’re shopping for auto insurance coverages, you’ve likely come across the terms comprehensive and collision…

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Comprehensive vs. collision insurance

Fallen tree limbs on car from storm

What is the difference between comprehensive and collision insurance? Comprehensive auto insurance applies to covered incidents beyond your control, including theft and weather-related damage. Collision auto insurance helps cover your vehicle if you’re in an accident—even if you’re at fault. If you’re shopping for auto insurance coverages, you’ve likely come across the terms comprehensive and collision…

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How to get cheap car insurance

Looking at man through driver side window

Allow us to offload some heaviness from your research and decision-making process as we provide details on short- and long-term ways you can get cheaper car insurance. We also share additional services and benefits available to you from Dairyland®—because “cheap” doesn’t need to mean lesser value. Let’s get started! Review cheap car insurance coverages What’s…

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Non-owner car insurance

Auto Insurance form

What is non-owner car insurance? Non-owner car insurance protects you if you cause an accident while driving a vehicle you don’t own. It’s secondary coverage that pays for damages above and beyond what might be covered through the car owner’s primary insurance. Understand when you need non-owner car insurance Here are several reasons to consider…

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The Risks of Driving Without Insurance

Person in handcuffs

Driving without coverage could be a costly choice We all know car insurance is important. It protects you as a driver, as well as others you encounter on the road. That’s why nearly every state in the nation has car insurance requirements. You may choose to forego auto insurance in hopes of getting away with…

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How Do Car Insurance Claims Work?

Auto Insurance form

One of the most common reasons for stress in the world of auto insurance is the dreaded “claim”.  Having operated in the auto insurance world for a long time I can attest that most of this stress is caused by a lack of knowledge, communication, or very poor untimely communication.  I find that most people…

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Why Do Lenders Require Full Coverage Auto Insurance?

Man scratching his head

Lots of my clients have questions about this topic. They finance a vehicle and are told that “full coverage” is required to insure it.

Full coverage or physical damage coverage is almost twice as expensive as liability coverage. So why would the dealer care if you have full coverage?

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What is Liability Auto Insurance?

Man inside of car making a sudden move with steering wheel

Liability Auto Insurance is the most basic and common form of auto insurance. But what is it and what does it do ? Let’s take a quick look at the word Liability, which comes from the word Liable. Here’s a couple examples. Example – Intentional Action Say Frank was carrying some boxes down the hall…

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