Car Insurance
Protect yourself and your loved ones on the road with comprehensive auto insurance from Schofield Insurance. Serving drivers throughout Schofield, Wausau, Rothschild, and Weston, WI.
Why Choose an Independent Agency for Auto Insurance?
When it comes to protecting your vehicle and your family on Wisconsin's roads, choosing the right insurance partner makes all the difference. At Schofield Insurance, Scott and Davis Hackbarth work with over 23 insurance carriers to find you the best coverage at the most competitive rates. Unlike captive agents who can only offer policies from a single company, we shop the market for you—saving you time and money.
Our clients in Schofield, Wausau, Rothschild, and Weston consistently tell us they save $500 to $2,000 per year when they switch to our agency. That's real money back in your pocket, without sacrificing the coverage you need for Wisconsin's challenging driving conditions.
What Does Auto Insurance Cover?
Liability Coverage
Covers bodily injury and property damage you cause to others. Wisconsin requires minimum limits, but we recommend higher coverage to protect your assets.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault. Essential for newer vehicles or those with loans.
Comprehensive Coverage
Covers theft, vandalism, hail damage, and animal strikes. Critical in Wisconsin where deer collisions and severe weather are common.
Uninsured/Underinsured Motorist
Protects you if you're hit by a driver with no insurance or insufficient coverage. More important than many realize.
Wisconsin Auto Insurance Requirements
Wisconsin law requires all drivers to carry minimum liability coverage of 25/50/10—that's $25,000 per person for bodily injury, $50,000 per accident total for bodily injury, and $10,000 for property damage. However, these minimums often aren't enough in today's world.
Consider this: the average new car costs over $40,000. A serious accident could result in medical bills exceeding $100,000. Minimum coverage leaves you personally responsible for anything beyond those limits. That's why we work with you to find affordable coverage that truly protects your family and finances.
Driving in Central Wisconsin: Unique Risks
Wisconsin Has More Deer-Vehicle Collisions Than Almost Any State
Central Wisconsin sees thousands of deer-vehicle collisions annually, especially during fall mating season. Comprehensive coverage is essential—we've helped countless clients after deer strikes on Highway 51 and local county roads. Without comprehensive coverage, you're paying for repairs out of pocket.
Our harsh winters bring their own challenges. Ice, snow, and freezing rain create hazardous conditions from November through April. We understand these local risks because we live here too. Scott has been driving these roads for decades, and Davis grew up navigating Wisconsin winters. We'll make sure your coverage accounts for the realities of Central Wisconsin driving.
The Schofield Insurance Difference
When you call our office at (715) 359-6246, you'll talk to Scott or Davis—not a call center. We take the time to understand your driving habits, your vehicles, and your budget. Then we comparison shop among carriers like Acuity, Progressive, Travelers, West Bend, Nationwide, and more to find your best options.
Our 5-star Google rating reflects our commitment to personalized service. As one client put it: "Scott and Davis saved us over $1,500 a year on our auto and home insurance. They're accessible day or night and always take care of us." That's the kind of relationship we build with every client.
Ready to Save on Auto Insurance?
Get a free, no-obligation quote and see how much you could save.
Car Insurance FAQs
How much auto insurance do I need in Wisconsin?
Wisconsin requires minimum liability coverage of 25/50/10 ($25,000 per person, $50,000 per accident for bodily injury, $10,000 for property damage). However, we recommend higher limits to adequately protect your assets, especially given the frequency of deer collisions and winter weather accidents in Central Wisconsin.
What is the best deductible for car insurance?
The best deductible depends on your financial situation. A $500 deductible is common for comprehensive and collision coverage, but raising it to $1,000 can lower your premium by 15-25%. Consider what you can comfortably pay out-of-pocket if you need to file a claim.
What is 'full coverage' auto insurance?
Full coverage typically means liability plus comprehensive and collision coverage. Comprehensive covers theft, vandalism, hail, and animal strikes (common in Wisconsin with deer). Collision covers damage from accidents regardless of fault. We can help you determine the right coverage levels.
How can I save money on my car insurance?
As an independent agency, we compare rates from 23+ carriers to find the best price. Other savings include bundling home and auto, maintaining a clean driving record, taking defensive driving courses, and asking about discounts for good students, low mileage, or safety features.
How long does an auto accident affect my insurance in Wisconsin?
Accidents typically affect your rates for 3-5 years in Wisconsin, depending on severity and your insurance carrier. At-fault accidents have a bigger impact than not-at-fault incidents. We can shop your policy after a few years to find better rates as the incident ages.
Is buying direct cheaper than buying through an agent?
Not necessarily. Independent agents like Schofield Insurance compare rates from many carriers, often finding lower prices than direct companies. Plus, you get personalized advice and claims support at no extra cost—our commission is built into the premium whether you buy direct or through us.
What's the best auto insurance company in Wisconsin?
The best company depends on your specific situation. We work with Acuity, Progressive, Travelers, West Bend, and 20+ other carriers. Some excel at insuring young drivers, others offer the best rates for experienced drivers with good records. We'll find the right fit for you.
How do I switch to a new auto insurance company?
Switching is easy with our help. We'll compare your current coverage to alternatives, ensure there's no gap in coverage during the transition, and handle the paperwork. Many clients switch and save $500-$1,500 per year while maintaining the same or better coverage.
Get Your Free Auto Insurance Quote Today
Compare rates from 23+ carriers and discover how much you could save with personalized service from Schofield Insurance.