Via https://www.preferredlax.com/article/7-advantages-of-working-with-an-independent-insurance-agent

As a highly rated independent insurance agency, Preferred Insurance Agency specializes in helping our clients save money on their auto insurance by shopping around for the best policies, while at the same time providing top-notch customer service. We understand that finding the right coverage at a price that fits your budget can be a daunting task because insurance can be confusing and there are so many options available. That's why we want to inform you about the importance of regularly reviewing your car insurance policy. Reviewing your policy regularly can ensure that you’ve got the right coverage for what you need and that you're not overpaying for unnecessary coverage. Life changes, such as buying a new car or moving to a new area, can affect what you require for coverage. It's important to assess your needs and determine what types of coverage are necessary for your specific situation. By regularly reviewing your policy, you can ensure that you're not paying for unnecessary coverage and that you're getting the best deal possible. You may also be able to save just because prices of insurance are always fluctuating. In this article, we'll discuss the importance of understanding your coverage needs, reviewing your policy, identifying and eliminating unnecessary coverage, and tips for getting the best deal on insurance for your vehicle. We hope this information will help you make informed decisions about your car insurance and hopefully we’ll be able to save you money in the long run.

Understanding Your Coverage Needs

All sorts of life changes can have a huge impact on what type of coverage you require. For example, buying a brand new car may require you to update your policy to include collision coverage, in order to protect it. Similarly, if you move to a new city or location, you may need to adjust your coverage to account for different driving conditions like more traffic, icy roads, or state laws. Even changing zip codes can have an impact on the cost of your insurance premium. It's crucial to review your policy on a regular basis and assess your needs to ensure that you have the right coverage for your current situation. You may even already be paying for overage you don’t need. Determining what types of coverage are necessary can be challenging since insurance can be confusing for regular people. Here are some tips for assessing your coverage needs: Consider your assets: If you own a high-value car, you may want to consider acquiring more coverage. Evaluate your driving habits: If you drive frequently or live in a high-traffic area, with lots of accidents, you may need more coverage. Review the minimum coverage requirements in your state: Every state has its own minimum coverage requirements, and you want to make sure you are in compliance with the legal requirement. Look into potential additional coverage options: Such as Roadside assistance, and rental car coverage. Are these things you require? By regularly reviewing your car insurance policy and assessing your coverage needs, you will ensure that you have the right coverage for your current situation and that you aren’t overpaying for unnecessary coverage. At Preferred Insurance Agency, we can help you understand your coverage options and find the best policy for your needs. Check out our reviews and contact us today to schedule a policy review and we can also provide you with new insurance quotes absolutely free and with no commitment required.

Reviewing Your Policy

Reviewing your insurance policy is an important step in ensuring that you’ve got the right coverage and that you're not overpaying for anything you don’t need. When reviewing your policy, it's important to look for key elements such as coverage limits, deductibles, and discounts. Coverage limits are what determine the maximum amount that your insurance company will pay out for a claim. Deductibles are what you have to pay out of pocket before your insurance coverage kicks in. And discounts can help lower your premium and make your coverage more affordable. Compare insurance policies and get quotes from multiple different insurance providers is a crucial step in finding the best deals on car insurance. Here are some tips that you can use to compare policies and getting quotes:

• Go online and look for quote tools to get a sense of the different options available to you. Look closely and you can get a good idea of what’s out there.
• Try to negotiate with the insurance company, they may be willing to give you a better rate to match the competition. Take the time to read and understand the full policy before choosing which plan to sign up for. Sure it’s boring but it can be very helpful.
• Consider working with an independent insurance agency like Preferred Insurance Agency, that can shop around for you and find the best coverage at the most affordable price.

If you want to make sure that you're getting the absolute best deal possible on your car insurance you can regularly review your auto insurance policy and make sure to compare quotes from different insurers. At Preferred Insurance Agency, we're here to help you every step of the way. Reach out to us and we’ll be happy to review your policy, you could start saving on your car insurance right away.

Overpaying for Unnecessary Coverage

Policyholders can often be paying for unnecessary coverage without realizing it. For example, if you've owned your car for several years and it has a low market value, you may not even need comprehensive or collision coverage. Similarly, if you're driving a car that's older than a certain age, you may not need certain types of coverage, or you may not even need rental car coverage if you don’t rent cars. Over time, it's important to review your policy and assess whether your coverage needs have changed for whatever reason. Here are a few tips for identifying and eliminating unnecessary coverage options:

• Review your coverage limits: Make sure that your coverage limits are appropriate for your assets and needs.
• Assess the value of your car: If your car is older or has a low market value, you may not need comprehensive or collision coverage.
• Look into other options: If you're driving a car that's older than a certain age, you may not need certain types of coverage like rental car coverage.
• Consider your driving habits: If you're driving less frequently, or only driving with a small area near where you live, you may not need certain types of coverage like roadside assistance.

By regularly reviewing your policy and identifying and eliminating unnecessary coverage, you can certainly save money on your car insurance. At Preferred Insurance Agency, we make this easy for you, you just leave it to us and we’ll find all of the ways you are overspending, while at the same time making sure you aren’t being left unprotected in any way.  

Conclusion

As a 5-star rated independent insurance agency (check out our reviews online), Preferred Insurance Agency specializes in helping you save money on your auto insurance by shopping around multiple insurance companies for the best policy, while at the same time providing top-notch, local customer service. We get it, finding the right coverage at a better price, can be a daunting task because insurance can be confusing and there are seemingly so many options available to navigate. The purpose of this article is to remind you of the importance of regularly reviewing your car insurance policy to ensure that you have the right coverage for your needs and that you aren’t overpaying for coverage you don’t need. We’ve discussed the importance of understanding your coverage needs, reviewing your policy, identifying and eliminating unnecessary coverage, and tips for getting the absolute best deal on insurance for your vehicle. Hopefully this article will help you make informed decisions about your car insurance and how you can save money in the long run. At Preferred Insurance Agency, we're here to help you understand your coverage options and find the best policy, tailored to your needs. Visit our La Crosse location auto insurance page for more information or if you're closer to our Black River Falls auto insurance page to learn more there. Contact us today to schedule a policy review and chances are, you can start saving money on your car insurance right away. It's completely free and there is absolutely no commitment required.

Via https://www.preferredlax.com/article/the-importance-of-renewing-your-car-insurance-policy-today

As a highly rated independent insurance agency, Preferred Insurance Agency specializes in helping our clients save money on their auto insurance by shopping around for the best policies, while at the same time providing top-notch customer service. We understand that finding the right coverage at a price that fits your budget can be a daunting task because insurance can be confusing and there are so many options available. That's why we want to inform you about the importance of regularly reviewing your car insurance policy. Reviewing your policy regularly can ensure that you’ve got the right coverage for what you need and that you're not overpaying for unnecessary coverage. Life changes, such as buying a new car or moving to a new area, can affect what you require for coverage. It's important to assess your needs and determine what types of coverage are necessary for your specific situation. By regularly reviewing your policy, you can ensure that you're not paying for unnecessary coverage and that you're getting the best deal possible. You may also be able to save just because prices of insurance are always fluctuating. In this article, we'll discuss the importance of understanding your coverage needs, reviewing your policy, identifying and eliminating unnecessary coverage, and tips for getting the best deal on insurance for your vehicle. We hope this information will help you make informed decisions about your car insurance and hopefully we’ll be able to save you money in the long run.

Understanding Your Coverage Needs

All sorts of life changes can have a huge impact on what type of coverage you require. For example, buying a brand new car may require you to update your policy to include collision coverage, in order to protect it. Similarly, if you move to a new city or location, you may need to adjust your coverage to account for different driving conditions like more traffic, icy roads, or state laws. Even changing zip codes can have an impact on the cost of your insurance premium. It's crucial to review your policy on a regular basis and assess your needs to ensure that you have the right coverage for your current situation. You may even already be paying for overage you don’t need. Determining what types of coverage are necessary can be challenging since insurance can be confusing for regular people. Here are some tips for assessing your coverage needs: Consider your assets: If you own a high-value car, you may want to consider acquiring more coverage. Evaluate your driving habits: If you drive frequently or live in a high-traffic area, with lots of accidents, you may need more coverage. Review the minimum coverage requirements in your state: Every state has its own minimum coverage requirements, and you want to make sure you are in compliance with the legal requirement. Look into potential additional coverage options: Such as Roadside assistance, and rental car coverage. Are these things you require? By regularly reviewing your car insurance policy and assessing your coverage needs, you will ensure that you have the right coverage for your current situation and that you aren’t overpaying for unnecessary coverage. At Preferred Insurance Agency, we can help you understand your coverage options and find the best policy for your needs. Check out our reviews and contact us today to schedule a policy review and we can also provide you with new insurance quotes absolutely free and with no commitment required.

Reviewing Your Policy

Reviewing your insurance policy is an important step in ensuring that you’ve got the right coverage and that you're not overpaying for anything you don’t need. When reviewing your policy, it's important to look for key elements such as coverage limits, deductibles, and discounts. Coverage limits are what determine the maximum amount that your insurance company will pay out for a claim. Deductibles are what you have to pay out of pocket before your insurance coverage kicks in. And discounts can help lower your premium and make your coverage more affordable. Compare insurance policies and get quotes from multiple different insurance providers is a crucial step in finding the best deals on car insurance. Here are some tips that you can use to compare policies and getting quotes:

• Go online and look for quote tools to get a sense of the different options available to you. Look closely and you can get a good idea of what’s out there.
• Try to negotiate with the insurance company, they may be willing to give you a better rate to match the competition. Take the time to read and understand the full policy before choosing which plan to sign up for. Sure it’s boring but it can be very helpful.
• Consider working with an independent insurance agency like Preferred Insurance Agency, that can shop around for you and find the best coverage at the most affordable price.

If you want to make sure that you're getting the absolute best deal possible on your car insurance you can regularly review your auto insurance policy and make sure to compare quotes from different insurers. At Preferred Insurance Agency, we're here to help you every step of the way. Reach out to us and we’ll be happy to review your policy, you could start saving on your car insurance right away.

Overpaying for Unnecessary Coverage

Policyholders can often be paying for unnecessary coverage without realizing it. For example, if you've owned your car for several years and it has a low market value, you may not even need comprehensive or collision coverage. Similarly, if you're driving a car that's older than a certain age, you may not need certain types of coverage, or you may not even need rental car coverage if you don’t rent cars. Over time, it's important to review your policy and assess whether your coverage needs have changed for whatever reason. Here are a few tips for identifying and eliminating unnecessary coverage options:

• Review your coverage limits: Make sure that your coverage limits are appropriate for your assets and needs.
• Assess the value of your car: If your car is older or has a low market value, you may not need comprehensive or collision coverage.
• Look into other options: If you're driving a car that's older than a certain age, you may not need certain types of coverage like rental car coverage.
• Consider your driving habits: If you're driving less frequently, or only driving with a small area near where you live, you may not need certain types of coverage like roadside assistance.

By regularly reviewing your policy and identifying and eliminating unnecessary coverage, you can certainly save money on your car insurance. At Preferred Insurance Agency, we make this easy for you, you just leave it to us and we’ll find all of the ways you are overspending, while at the same time making sure you aren’t being left unprotected in any way.  

Conclusion

As a 5-star rated independent insurance agency (check out our reviews online), Preferred Insurance Agency specializes in helping you save money on your auto insurance by shopping around multiple insurance companies for the best policy, while at the same time providing top-notch, local customer service. We get it, finding the right coverage at a better price, can be a daunting task because insurance can be confusing and there are seemingly so many options available to navigate. The purpose of this article is to remind you of the importance of regularly reviewing your car insurance policy to ensure that you have the right coverage for your needs and that you aren’t overpaying for coverage you don’t need. We’ve discussed the importance of understanding your coverage needs, reviewing your policy, identifying and eliminating unnecessary coverage, and tips for getting the absolute best deal on insurance for your vehicle. Hopefully this article will help you make informed decisions about your car insurance and how you can save money in the long run. At Preferred Insurance Agency, we're here to help you understand your coverage options and find the best policy, tailored to your needs. Visit our La Crosse location auto insurance page for more information or if you're closer to our Black River Falls auto insurance page to learn more there. Contact us today to schedule a policy review and chances are, you can start saving money on your car insurance right away. It's completely free and there is absolutely no commitment required.

Via https://www.preferredlax.com/article/the-importance-of-reviewing-your-car-insurance-policy

When You Shop Policies with an Independent Insurance Agency You Save Money. What's special about independent insurance agents is that are not tied to any specific insurance company, so they have the ability to shop around and compare quotes from multiple carriers and find the best policy possible for you. They'll also help you understand the coverage options available and make sure you're not overpaying for unnecessary coverage. So you'll be covered in case of an unfortunate event but you won't be overpaying for insurance you don't need. So, how do you go about finding an independent insurance agent? One way is to ask friends and family for recommendations, people who get their insurance through independent insurance agencies are usually pretty happy to share the word about it. You can also search online for local agents in your area, any of the insurance companies that you find online that you don't recognize, there's a better chance that those are independent insurance agencies so ignore those like state farm insurance and progressive etc. and dive a little deeper into the websites of a local brand that may not be as familiar. Once you've found an independent insurance agent, it's important to have all of your necessary information ready when you start the quoting process. This includes your personal and vehicle information, as well as any previous insurance history. An independent insurance agent will use this information to get multiple quotes from different carriers and help you compare the options. By working with an independent insurance agent, you can be confident that you're getting the absolute best price on a car insurance policy that meets your needs, and exceeds your expectations. Don't settle for a policy that doesn't give you the coverage you need or overpay for unnecessary coverage, this is where quality insurance agents come in. Rather than take the time to shop around and get multiple quotes, you can leave this up to your independent insurance agent for the peace of mind that comes with knowing you have the best policy at the best price. To help get you protected, contact Preferred Insurance Agency today and we’ll save you money on your same auto insurance policy or better, and make sure you and your family are protected from the unexpected. We’re providing La Crosse , Onalaska, and Black River Falls with the best auto insurance prices and customer service. We serve the surrounding areas of Iowa, Minnesota, and Wisconsin as well. Call (608) 881-6566 or visit us at 401 King Street, La Crosse. Or submit our online quote form, and we’ll get back to you shortly.

Via https://www.preferredlax.com/article/car-insurance-tip-104-when-you-shop-auto-insurance-policies-you-save

It's that time of year again for those of us in the upper midwest, ice cold temperatures mean ice, and snow and some seasonal maintenance on your part now will help in saving future expensive repairs and inconvenience. These seven tips will help protect your home against damage and make your home more comfortable for the winter season. Implementing these seven tips will save on future expenses and inconvenience!

1.    Clean out the Fireplace and Chimney

Clean the fireplace and chimney before firing up the fireplace in winter. A clean chimney means a safe fireplace.

2.    Inspect Smoke Detectors

You’ll use more heaters and the fireplace in winter, and you never know when an accident or a fire may occur. Checking all smoke and carbon monoxide detectors, replacing batteries, and checking that the sensors work correctly will prepare you for emergencies.

3.    Seal Your Home

Sealing your home keeps it warmer by helping to retain heat and help you save on energy bills. Warm air can easily escape through cracks and gaps, making your heating system work overtime, thus increasing utility bill costs. Sealing your home can also help protect against water damage and water leaking in and freezing, which could wreak havoc on the structural integrity of your home.

4.    Inspect and Service the Heating System

You will depend on your heating system to keep you and your loved ones warm in the following months. So have it checked and serviced before you start using it.

5.    Check and Replace all Weather Stripping.

Weatherstripping needs replacing every fear years as its efficiency reduces with age. Check and replace worn or cracked stripping around windows and doors. This will help protect against damage and help ensure energy efficiency of your home.

6.    Drain and Turn Off Outside Faucets

The outdoor faucets can freeze in cold winter temperatures. So failure to shut off and drain the lines can lead to burst or cracked pipes and facets and a disaster. Faucets exiting your home should have a shut-off valve where the faucet leaves the basement or where the faucet pipe branches from the primary source. Have a licensed plumber install them if you don’t have shut-off valves. Completely drain off the outside faucet after turning off the water from the inside. Once you drain the water, close the drain plug and turn the outdoor faucet off.

7.    Clean and Check the Furnace

Regular maintenance keeps the furnace running in top form. Start by cleaning or replacing the furnace filter to improve the air quality and efficiency. Follow the cleaning instructions if cleaning permanent filters, and ensure you get the correct-sized replaceable filter if changing it. Have an HVAC professional inspect any furnace over 15-year-old to ensure it’s working correctly before use. They can detect potential problems and offer advice about improving the furnace's efficiency. Vacuuming around the furnace and inside the floor and air intake vents improves air movement. It is always better to have the home professionally cleaned if you have pets or have moved into a newly built house. These seven steps will help prepare your home for fall. Do not hesitate to hire a professional to prevent injury and damage if you aren’t comfortable handling the tasks yourself. These seven tips from Preferred Insurance Agency will help you protect your home from damage and wear and tear. In order to take additional steps to protect yourself from unforeseen circumstances you can contact Preferred Insurance Agency of La Crosse or visit our Google Business page to read reviews and get contact information. If you are in the Jackson County or Black River Falls area you can contact Preferred Insurance Agency of Black River Falls, or visit our Black River Falls office Google Business page to read reviews and get contact information.  

Via https://www.preferredlax.com/article/7-tips-to-help-prepare-your-home-for-winter

Should I buy rental car insurance when renting? Should I pay extra for rental car insurance? How many of you wondered about this while filling out the paperwork at a rental car company? If you have, you are not alone, as it’s one of the foremost questions in most people’s minds when it comes to renting a car. Unfortunately, the answer isn’t straightforward as it depends on various factors. This article will help you understand rental car insurance, whether or not you need it and if you should buy it from the car rental company.

What is Rental Car Insurance?

Rental car insurance differs from your existing auto insurance in that it protects your rented car while renting it. These policies comprise multiple components, including: Collision damage waiver (CDW) With CDW, the rental company cannot hold you responsible for repairs or replacement costs if the rental car gets damaged in your possession.

• Collision damage waiver (CDW) - With CDW, the rental company cannot hold you responsible for repairs or replacement costs if the rental car gets damaged in your possession.
• Collision damage waiver (CDW)  - With CDW, the rental company cannot hold you responsible for repairs or replacement costs if the rental car gets damaged in your possession.
• Supplemental liability protection (SLP) - CDW covers vehicle-related expenses where you may be liable for medical expenses and property damage to other parties in an accident. This is where SLP can help, which covers some of these costs depending on your purchase coverage.
• Personal accident insurance (PAI) - PAI pays for medical expenses you and fellow passengers incur because of the accident.
• Personal effects coverage (PEC) - This coverage works during a car theft by covering most of your possession costs.

 

Do I Need Rental Car Insurance to Rent a Car?

No, there is no rule saying you must buy car insurance from your rental agency.  Many insurance companies focus solely on rental car insurance. Besides, it is always better to check before getting rental car insurance. Most of the time, your existing auto policy or premium credit card covers car rental.

Does My Current Car Insurance Policy Cover Car Rental?

It depends on your car insurance provider. So reach out to them to learn more about the coverage your current plan provides.

Can I use My Credit Card Benefits for Rental Car Coverage?

Most credit cards do include rental car coverage as part of their benefits. However, credit card benefits don’t provide SLP or PAO, which means you will be held responsible for:

• Any damages inflicted to someone else’s car and personal property.
• The medical expenses for everyone involved in the accident, including you - So it is better to check with your credit card company to determine the extent of their rental car coverage. It’s always better to buy rental car insurance if it’s insufficient, and you require additional protection.

Can I use My Credit Card Benefits if I Buy Insurance From the Car Rental Company?

No, you cannot. Once you buy rental coverage, it cancels out any credit card benefits.

How Much Auto Insurance Coverage Do I need?

You can decide based on the legal minimum insurance requirements for your state and other states you will be traveling through. You generally need to get a policy providing coverage for:

• Damages and medical expenses to a third party if you are at fault
• Damages inflicted to your vehicle
• Any potential medical expenses for you and your passengers.

What if I Keep Valuables in a Rental Car?

Both auto and rental car insurance policies do not provide coverage for valuables in the car.

Do I Need Rental Car Insurance for International Travel

No, most rental car insurance policies do not provide coverage for international travel.

How Much Does Rental Car Insurance Cost?

The price varies and depends on various factors like the car type, where you plan to travel, and if your existing auto policy or credit card offers rental car coverage.

Can I Rent a Car Without Having Insurance?

Yes, you can because most rental cars are insured. However, it is better to have some form of rental insurance because you will be held responsible for any vehicular damages if you don’t have insurance.

When Should you Get Rental Car Insurance?

Though opting for rental car insurance depends on various circumstances, it makes sense to opt for rental car insurance if:

• You don’t have auto insurance. In this case, having a collision damage waiver and liability coverage protects you if you are involved in an accident.
• You are renting a car outside the US or Canada as your existing auto insurance won’t cover you while renting cars in another country.
• You have a high deductible on your car insurance policy as rental car insurance offers no or low deductible.
• You don’t have health insurance or medical payments coverage, as rental car insurance will cover your medical expenses if you get involved in an accident.
• You are worried about increasing auto insurance premiums

When You Don't Need the Rental Company's Insurance

There are some scenarios where you don’t need rental car insurance, still get the coverage you require, and save money. Examples of common situations include:

• Having robust auto insurance where your personal insurance provides sufficient coverage
• Using your credit card to preserve and pay for the rental car as the card has collision coverage

The Bottom Line: Do You Need Rental Car Insurance?

So, in a nutshell, the answer to do I need to buy insurance when I rent a car depends on:

• Whether or not your auto policy provides rental car insurance
• How much insurance coverage do you need in your home state
• Insurance requirements in your destination or wherever you travel
• If the auto car policy coverage is sufficient
• The car you rent as an expensive car requires more coverage

And if you do need rental car insurance, you can buy it from any car rental insurance provider and not necessarily from the car rental company.

Want to Make Rental Car Insurance a Part of Your Policy?

Contact us today and we'll make it happen. If you're looking for rental car insurance near our Black River Falls, WI office call +1 715-284-5318 or visit our Black River Falls auto insurance page. If you're looking for rental car insurance near our La Crosse, WI office call +1 608-881-6566 or visit our La Crosse auto insurance page.

Via https://www.preferredlax.com/article/should-i-buy-rental-car-insurance

When it comes to providing home insurance, auto insurance, and more insurance services in Black River Falls, WI and throughout Jackson county, Preferred Insurance Agency is at or near the top of the list. With over 240 five star business reviews on Google they have a proven track record of providing quality insurance, and impeccable customer service, to ensure not only are you saving money on your home insurance and auto insurance coverage, but their experienced insurance agents will insure you are properly covered in the event of unforseen circumstances.

Black River Falls Newest Insurance Agency

Preferred Insurance Agency of Black River Falls, WI as of the writing of this article, is about 6 months in since the opening of our new Black River Falls office opening. Being that we are the "new kid on the block" we're surprised as to how much people are responding to the types of savings they're getting on home insurance, auto insurance, business insurance, farm insurance, flood insurance, and more.

How Does Preferred Insurance Save Black River Falls Residents Money on Insurance?

We help residents of the Black River Falls area save money on insurance in a couple of ways. First, our insurance agents are seasoned professionals. Our Black River Falls insurance Agents have a combined experience of 45+ years working as insurance professionals. This means they have a deep understanding of insurance policies of all types, they understand the complexities and potential requirements of your insurance policy and how to set it up properly in order to ensure you are protected in circumstances you may not even have thought of, but that they have encountered in the past. This way you're always protected. Next, we have the unique ability to shop with multiple top national insurance providers so we have them competing over you and we can then choose the best price on the best possible coverage for you. This is what surprises our customers the most, when they realize they have been overspending on insurance for years, without even thinking about it. But we provide you with options of insurance companies, and that's how we get you the best price on home insurance in Black River Falls, auto insurance in Black River Falls, and whatever other kind of insurance you can think of.

Are You From Black River Falls and Want to Save on Insurance Costs?

If you're from Black River Falls, WI or surrounding areas in Jackson County or elsewhere, saving on your insurance is simple. Simply contact us by filling out the contact form at the bottom of this page, call us at (715) 284-5318 or visit us in person at our insurance agency office at 10 S Roosevelt Rd, Black River Falls, WI 54615, and talk to an agent. We'd love to see you, let's get started on saving you money on insurance while at the same time getting you better coverage! It's a win-win. We're looking forward to working with you.

Via https://www.preferredlax.com/article/now-you-can-stop-wasting-money-on-insurance-in-black-river-falls

Preferred Insurance Agency Now in Black River Falls, WI

Purchasing a new car, new home, motorcycle, rental home, or even a boat can be exciting but you'll also want to make sure you're covered and protected from unexpected calamities and accidents with a quality and complete insurance policy. That's where we come in. Our experienced agents at Preferred Insurance agency know how important this is and we can help you navigate the unfamiliar and often complex territory that is shopping for adequate insurance coverage. Our team can help select the right insurance policies for your valued possessions at the most competitive prices. And now, for those of you in Black River Falls, WI and in surrounding Jackson County, it will be even easier to save with us. We've opened a new insurance office in Black River Falls at 10 S Roosevelt Rd. so you can come on into our office and discuss your insurance over coffee rather than arguing on the phone with robots.  

Why Shop with a Local Independent Insurance Agency

Our existing customers chose to work with Preferred Insurance because we are a local independent insurance company. And as a local independent insurance company, we help save you your money by offering the most competitive rates, as well as ensuring you have adequate coverage for things other insurance agencies may miss. You may wonder how this is possible, and how it works.  Most insurance agents only work with one insurance company. So you have no other option than to accept their quotes for your home insurance policy, auto insurance policy, or any other policy you're looking to buy. Preferred Insurance Agency, however, is a local independent insurance agency. We provide insurance quotes from many of the TOP NATIONAL INSURANCE PROVIDERS. So we, in the process, can get you the absolute Best Price on Insurance in Black River Falls, WI, for the same (or better) coverage!  It's so simple that you should contact us and have us quote insurance policies for you today.  Chances are, we WILL save you money.  

What Kinds of Insurance Do We Offer at Our Black River Falls, WI Office?

Your Preferred Insurance Agency, Black River Falls, WI, offers the following insurance policies, and more:  

Home Insurance

We know that you want to protect your home’s physical structure, unique and expensive belongings, and medical costs if someone gets injured on your property.  Our home insurance policies offer standard home insurance coverage and plenty of optional coverages to protect all of the things that matter to you..   

Auto Insurance

If you live in or around the Black River Falls, area and need auto insurance, we will help you figure out what auto insurance coverage and options you need so you're protected in unexpected circumstances. We will alert you to potential savings on your auto insurance policy in regards to liability insurance, collision, and comprehensive insurance coverage. We can also help you save through safe driving, car safety, multi-car, and multi-policy discounts.  Contact us now to learn more about our discounts. 

Business Insurance

A business comes with its share of risks, which is why every business owner should be proactive and acquire adequate business insurance coverage. We offer business insurance coverage for most potential risks your business may face, like general liability, product liability, professional liability, commercial property, and home-based business insurance.  

Flood Insurance

Floods come unannounced and can occur anywhere, especially in high-risk zones. So you need flood insurance against floods and reimburse you for all flood-related work you and your family do, like sandbagging, moving furniture, and removing debris.  Unfortunately, not many homeowner insurance policyholders know that homeowners insurance doesn’t cover flood insurance, thus ending up without any protection from floods. We at Preferred Insurance, however, will educate you about this.  And offer multiple free flood insurance quotes from various insurance agents to compare and get the best possible rate. Request a quote today to see how much we can save you!

Motorcycle Insurance

The right motorcycle insurance makes you a safe and responsible motorcyclist. It protects you against loss in case of an accident and covers the costs of losses caused to others in an accident.  At Preferred Insurance, Black River Falls, WI, we have multiple motorcycle insurance policies to select from to meet your needs. 

Boat and Watercraft Insurance

You love the time you get to spend on the waters on your boat with family and friends. However, as your watercraft is an asset, it needs protection against unexpected liabilities.  This is where we can help.  You can rely on Preferred Insurance, Black River Falls, to help you select an affordable boat and watercraft insurance and prevent costly litigations in case of theft, fire, and sinking. Contact us today for a free, no-obligation quote on boat and watercraft insurance policies.  

We're Excited to Join the Black River Falls Area

We are excited to be a part of this fantastic community by visiting places like Black River Falls Dam and checking out local restaurants. There’s something here for everyone!  Wazee Lake is the perfect spot for scuba diving, fishing, and camping. And if you are a nature lover, you have to visit the Castle Mound Pine Forest.  Black River Falls also has something for casino enthusiasts in the famous Ho-Chunk Gaming Black River Falls Casino.   If you are here for schooling, there are numerous colleges near Black River Falls, like Western Technical College and the University of Wisconsin La Crosse. Visit the official City of Black River Falls website or the Jackson County Historical Society Museum for more information about the Black River Falls area.   

Start Saving Today!

If you live in Black River Falls, WI, or the surrounding Jackson County area, contact us at (715) 284-5318. You can also visit us at 10 S Roosevelt Rd, Black River Falls, WI 54615 to let us get you on the path to savings today, and as quickly as possible.   

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We’ll Get You the Best Price on Auto Insurance!

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• Top Notch Customer Service
• Over 230 5-Star Customer Reviews
• Liability Coverage
• Collision Coverage
• Comprehensive Coverage
• Accident Forgiveness
• Roadside Assistance

Black River Falls, WI New Independent Insurance Agency

Preferred Insurance Agency is Black River Falls newest local Independent insurance agency. We got our start in the La Crosse area in 2018 and with over 250 5-Star reviews we pride ourselves on saving our customers money and impeccable local customer service. We think you’ll be very happy with what we can do for you when it comes to saving money on your car insurance policy. It might seem to you that auto insurance coverage would be the same no matter which company you choose, but the truth is, there are plenty of opportunities for people to save money on their car insurance, and even more if you bundle it with home insurance. You Can Read Our Latest Black River Falls Customer Reviews Here La Crosse Office Customer Reviews

How We Get You Affordable Auto Insurance in Black River Falls, WI

Preferred Insurance Agency is and independent insurance agency, which means we can shop around with multiple car insurance providers. We gather some information from you, run a quote, and we get multiple price quotes from the different auto insurance providers. We choose the best one that fits your needs, so you pay the same or less for the same auto insurance coverage.

We Can Help You With the Following Types Auto Insurance Coverage

Liability Coverage

Liability insurance covers property damage repair costs and your medical bills if you get involved in an accident. It provides vital extra protection if you are the at-fault party in an accident.

Collision Coverage

Collision coverage pays for auto repairs in a covered accident. It even bears the value of your car if it’s totaled, and the repair costs exceed your car cost.

Comprehensive Coverage

It’s not always an accident that makes you claim insurance coverage, there may be situations where something unrelated to an automobile accident damages your car. For example, it may have borne the brunt of weather damage, gotten hit by deer, or gotten stolen. Comprehensive coverage will help cover the loss in these instances depending on your level of coverage.

Bodily Injury Coverage

Bodily Injury coverage will cover medical expenses up to a certain amount for anyone injured in a car accident other than yourself.

Property Damage Liability

Property damage liability coverage will help cover damages to another vehicle or property if involved in an accident.

Uninsured Motorist

Uninsured motorist (sometimes referred to as UM) coverage will help cover bodily injury of any occupants of your vehicle when hit by a motorist without proper auto insurance coverage.

Underinsured Motorist

Underinsured motorist coverage is similar to uninsured motiorist coverage in that it will help cover bodily injury of any occupants of your vehicle when hit by a motorist that may have an auto insurance policy but that is not robust enough to cover cost of damages incurred in an accident.

About Black River Falls

Black RIver Falls is a city in Jackson County, Wisconsin, USA perched right on the Black River with a population of approximately 3,600. Originally a sawmill town, Black River Falls was founded in order to capture and utilize the power of the water flow of the Black River. Black River Falls is also known for its agriculture and tourism, including the popular Wisconsin getaway, Lake Arbutus. For more local Black River Falls information visit https://www.blackrivercountry.net/ or https://wwisradio.com/

Contact Us or Visit Us Today

Preferred Insurance Agency of Black River Falls 10 S Roosevelt Rd, Black River Falls, WI 54615 (715) 284-5318 https://www.preferredlax.com/black-river-falls-wisconsin/

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