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Automobile/Vehicle Insurance

You Treat Your Vehicle Like Your Baby—Cover Your Baby with Whole-Hearted Insurance Protection

You live a good part of your life in your car, truck, or SUV–driving kids to school or practice, running errands, taking trips, going on a date, or commuting to work. You want to provide your car, your “baby,” with the best protection possible in order to protect you and your family. And you want insurance coverage from an insurance provider that gets the love you have for your car–Badger Mutual Insurance Company.

Introducing Badger Mutual’s TRUST Auto Program

Our brand new TRUST auto program has been implemented to provide contemporary, broad coverages at our best rates for financially responsible customers in Wisconsin. You earn discounts based on your credit rating. If you have an exceptional credit score, your discount could be as much as 33 percent!

Standard Vehicle Coverages

While you know you need to protect the investment you made in your vehicles, you may not know you also need to protect yourself and your family from lawsuits. Badger Mutual offers a variety of standard and optional auto insurance coverages to protect both your property and loved ones. Learn more to help determine which coverages may be right for you:

Collision—covers damage to your car caused by an accident with an object such as a street light or tree, or another vehicle. Collision insurance also provides protection if another driver or object hits your car while it’s parked.

Comprehensive—covers damage caused by accidents other than collisions. This includes theft, vandalism, fire, weather events like tornadoes, falling objects, damage from animals, and more. As with all insurance policies, you should check with your insurance agent to make sure what perils are included under your auto insurance policy.

Liability—protects you in the event you injure another person, and/or damage another person’s property, and that person makes a claim against you for medical bills or sues you for damages.

Medical Payments—covers medical expenses for you and your passengers.

Uninsured/Underinsured Motorists—protects you and your passengers in the event that you are seriously injured by an uninsured driver, or a driver who does not have enough insurance to pay for all your losses and damages.

Auto Replacement Concierge Service—optional coverage that helps ensure you receive adequate value for your vehicle so you can replace it with an equivalent or better model-year vehicle.

Special Coverages

Vehicles come in all shapes, sizes, and ages, and may need different types of coverage or endorsements to ensure that they are fully protected. Badger Mutual provides insurance programs for:

  • Classic and Antique Automobiles
  • Conversion/Customized Vans
  • Motor Homes
  • Trailers (utility and mobile home)

We also offer options such as:

  • Extended Transportation Expenses (also known as rental reimbursement)
  • Electronic Equipment Coverage
  • Roadside Assistance
  • Auto Loan/Lease Coverage
With all these different coverage options, it can be confusing to make a decision about what limits and coverages would be best for your vehicles. Talk to one of our responsive, experienced agents today and learn how we can customize an insurance policy that fits your lifestyle and budget, yet still protects your “baby.” And in addition to having your policy information on hand in your vehicle in case of an accident, download and print the What To Do After a Car Accident flyer here to help you record information for your claim.

Badger Mutual–The Heart of Your Insurance Protection

Badger Mutual offers our customers a variety of discounts.

Discounts*

Group Discounts—a 10 percent discount is applied when you insure both your auto and home/condo with Badger Mutual. And when you insure your home with Badger Mutual, you have the option to add personal umbrella coverage at a very low cost.

Multiple Vehicles—a 10 percent discount is also applied when you insure more than one vehicle with Badger Mutual.

Valued Customer—a 10 percent renewal discount is provided when you have 24 months of “claim-free” continuous coverage.

New Customer—a one-time valued customer discount of five percent is extended to new customers who are claim-free for 24 months.

Mature Household—a 10 percent discount is provided to policy holders with no household members between the ages of 15 and 30 years old.

Loyalty—a five percent discount is given to customers after two years and grows each year until the maximum discount at seven years of 18 percent.

BMI Trust—a new and exciting program from Badger Mutual that rewards financially responsible customers. You earn discounts based on your credit rating. If you have an exceptional credit score, your discount could be as much as 33 percent!

*Discount availability, specific rules, and percentages vary by state. Contact your local insurance agent and have a conversation about the type and number of discounts that may be available for you.

*Please contact your agent and refer to the policy for detailed descriptions of coverage, limitations, and exclusions.