Winter Driving in Beloit: Auto Insurance Tips That Matter

Posted on August 29, 2025August 21, 2025 by admin

Winter in Beloit, WI, is a true test of patience and preparedness. Roads that seem safe in the morning can quickly turn into slick ice rinks by noon. Snow piles up at curbs and intersections, and visibility can drop dramatically in an instant. Even a quick trip to the store can feel like a risky adventure.

This is why Beloit drivers should review their auto insurance coverage before winter takes hold. At Senz Insurance Agency Inc., we understand how fast and unpredictably conditions can change, and we know how important it is to stay protected.

Are You Protected? Why Your Policy Might Not Be Enough

Assuming that “any auto policy will do” can be a costly mistake. Ice-related fender benders, frozen batteries, and damage caused by falling tree limbs are all common winter claims, but not every policy covers these incidents in the same way. Too often, drivers discover gaps in their coverage only after an accident occurs. By working with Senz Insurance Agency Inc., you can identify and close those gaps before winter weather puts you, your family, and your vehicle at risk.

Stay Safe: Smart Winter Moves Beyond Insurance

While having comprehensive coverage is essential, your safety also depends on your own habits and preparation. Protect yourself before winter hits by:

Scheduling an inspection for brakes, tires, and fluids
Keeping an emergency kit with water, gloves, blankets, and a flashlight (with extra batteries)
Allowing extra time and distance when driving on icy roads
Tracking weather forecasts to avoid driving during snowstorms

Take Action Before the Next Storm

Insurance is about security and preparedness, but it only works if your policy is current and comprehensive. The team at Senz Insurance Agency Inc. is ready to help you review your options and address potential risks so you can stay protected, no matter how unpredictable the winter season may be.

Does Auto Insurance Cover Special Tires, Like Snow Tires?

Posted on March 28, 2025March 27, 2025 by admin

If you reside in an area with severe winters, switching to snow tires is a wise decision for safety and performance. But what happens if those expensive tires are damaged in an accident? At Senz Insurance Agency Inc., providing auto insurance in the greater Beloit, WI region, we often hear from drivers wondering whether their auto insurance covers specialty tires like snow tires. The answer depends on your policy and the situation.

Does Standard Auto Insurance Cover Snow Tires?

Generally, auto insurance covers your vehicle as a whole, which includes the tires. If you’re involved in an accident and your snow tires are damaged, your comprehensive or collision coverage should help pay for repairs or replacements, depending on the circumstances. However, normal wear and tear or damage from improper use typically won’t be covered.

What About Theft or Vandalism?

If your snow tires are stolen or vandalized, comprehensive coverage may help replace them. This type of insurance protects against non-collision-related incidents, including theft and damage from vandalism. If you frequently switch between regular and snow tires, keeping a record of your purchases and installations can make the claims process smoother.

Should You Notify Your Insurer About Snow Tires?

Most insurance companies don’t require you to report seasonal tire changes, but if you’ve invested in high-end specialty tires, it’s worth discussing with your provider. Some policies may have specific limits on coverage for aftermarket additions.

Have Questions About Your Coverage?

At Senz Insurance Agency Inc., serving the community of Beloit, WI, we’re here to help you understand your policy and ensure you have the right coverage for every season. Contact us today to discuss your auto insurance needs and keep your vehicle protected year-round.

What Happens to Auto Insurance After a DUI or Major Violation?

Posted on October 31, 2024October 28, 2024 by admin

A DUI (Driving Under the Influence) or major traffic violation can have significant consequences on auto insurance in Beloit, WI. When a driver is convicted of a DUI, insurers view them as a high-risk driver, leading to increased premiums. Major violations like reckless driving or speeding can also cause substantial rate hikes and have a long-term financial impact.

Higher Insurance Premiums

After a DUI or major violation, auto insurance premiums typically increase dramatically. Insurers see these offenses as risky behavior indicators, compensating for the likelihood of future claims by charging higher rates. Depending on the severity of the offense and the driver’s record, premiums could double or even triple. Some insurance companies may refuse to renew policies altogether, forcing the driver to seek coverage with higher-risk, more expensive insurers.

SR-22 Requirement

In many states, a DUI or serious traffic violation requires the driver to file an SR-22 form, which proves that they carry the state’s minimum liability insurance. This form, filed by the insurance company with the state, is often necessary to reinstate driving privileges after a suspension. SR-22 coverage is typically more expensive and remains on the driver’s record for several years, further increasing insurance costs.

Long-Term Effects

A DUI or major violation can remain on a driver’s record for up to 10 years, depending on state laws. During this time, the driver will likely face inflated insurance rates. However, with time, a clean driving record can help reduce premiums. Some insurers offer discounts or forgiveness programs after several years without further violations.

Contact Senz Insurance Agency Inc. for More Information

Senz Insurance Agency Inc. is here to answer all your insurance questions. We serve Beloit, WI, and surrounding cities. Contact us today.

Senz Redieske Insurance Agency, Inc.

Insurance Blog

Tag: auto insurance