Finding the Best Insurance Companies in Eau Claire, WI

Protecting your home, auto, business and family in Eau Claire requires finding the right insurance company. With so many options to choose from, it can be overwhelming deciding which insurer is the best fit. This guide will walk you through the top insurance carriers in Eau Claire, WI and how to select the right one for your needs.

Overview of Top Insurance Companies in Eau Claire

Some of the most common insurance companies available through local Eau Claire agents include:

• State Farm – Specializes in auto, home, life, and small business insurance. Has strong financial ratings.

• American Family – Offers auto, homeowners, business, farm, life, and health insurance. Based in Madison, WI.

• Liberty Mutual – Major national carrier for auto, home, renters, life, and business insurance. Good choice for customized policies.

• Progressive – Focuses on auto and motorcycle insurance but also provides homeowners and other personal lines. Known for competitive rates.

• Acuity – Regional company providing commercial and personal insurance in WI, MN, IL, MI, and IA. Highly rated for claims satisfaction.

• West Bend Mutual – Wisconsin-based mutual company offering business, auto, and home insurance. Strong presence in Eau Claire area.

• Travelers – National carrier providing all types of personal and commercial insurance products. Known for claims handling.

When selecting among these top insurers in Eau Claire, you’ll want to compare factors like pricing, financial strength, customer service, coverage options and local reputation. Working with an independent insurance agent gives you access to quote multiple companies side-by-side.

Getting Quotes from Eau Claire Insurance Providers

The best way to find the most affordable rates in Eau Claire is to compare quotes from multiple insurance carriers. Here are some tips for getting quotes:

• Work with an independent agent – They can provide quotes across many companies to find you the best rate.

• Get quotes from captives – Connect directly with captive agents from companies like State Farm, American Family or Progressive.

• Use insurer websites – You can get quotes directly from company sites like LibertyMutual.com and Travelers.com.

• Compare online – Websites like QuoteWizard allow you to compare quotes from multiple companies at once.

• Call companies directly – For business insurance, you may need to speak directly with a commercial underwriter to get quotes.

When getting quotes, have details like your driving record, claims history, payroll, revenue, property values and desired coverage limits handy. Share as much as possible upfront for the most accurate quotes.

Selecting the Best Insurance Company in Eau Claire for You

Here are some tips for choosing the right insurance company for your needs in the Eau Claire area:

• Compare rates – Make sure to get quotes from at least 3-5 top insurers to find the most competitive pricing.

• Assess financial strength – Choose a company with strong financial ratings to ensure they can pay out claims. AM Best, Moody’s and Standard & Poor’s are leading rating agencies.

• Consider discounts – Find a company that offers discounts you qualify for like safe driving, low mileage, paid-in-full, defensive driving courses, and multi-policy.

• Review policy features – Look for a provider whose standard coverages, options and endorsements meet your specific insurance needs.

• Check ratings and reviews – Select a carrier with positive customer feedback and ratings. This indicates good service and satisfaction.

• Local reputation – An insurer that is recommended by friends and has strong community ties is a good sign.

Top Insurance Agencies in Eau Claire

Working with a knowledgeable local insurance agency is key to finding the right insurance company for your needs. They can explain coverages and simplify the process. Here are two highly rated insurance agencies in Eau Claire, WI:

Potter Agency, LLC

• Locally owned and operated since 1957
• Represents 15 top insurance carriers
• Offers auto, home, business, farm, life, health insurance
• Additional offices in Rice Lake and Cumberland

Potter Agency has an excellent reputation for customer service and finding clients the right insurance at the best price. They provide fast quotes and have experts on staff for business coverage.

Strobel Insurance

• Independent agency since 1972
• Trusted local advisors with 50+ years experience
• Focuses on commercial and personal lines
• Specializes in business, contractors, farms, restaurants

Strobel Insurance brings a personalized, consultative approach to clients in the Chippewa Valley. They represent national and regional insurance carriers to build customized protection.

Top Insurance Companies Recommended in Eau Claire

Based on consumer reviews, market share, and local reputation, here are some of the top insurance companies available in Eau Claire:

Acuity Insurance

Pros:

• Highest rated for customer satisfaction by J.D. Power in Wisconsin
• Policyholders are eligible for dividends which can reduce long-term costs
• High marks for claims handling with fast response times

Best for: Business insurance, farms, homes, autos

West Bend Mutual

Pros:

• Specializes in business insurance with 70+ classes of business
• Strong financial ratings from AM Best (A++)
• Policyholders can get dividends and reduced rates for claim-free years

Best for: Small to mid-size businesses in Wisconsin

American Family Insurance

Pros:

• Bundling discounts available to combine home and auto policies
• Competitive rates from a highly-rated Wisconsin insurer
• Excellent choice for farms, homes, autos, motorcycles, boats, collectibles

Best for: Home and auto insurance bundles

Liberty Mutual

Pros:

• Discounts like multi-policy, safe driving, new home, affinity groups
• Offers insurance for unique situations like international students, rental dwellings, vacant homes
• Gain peace of mind with a highly-rated national insurance carrier

Best for: Customized personal and business policies

Why Work with an Independent Insurance Agency?

Here are some key benefits of partnering with a trusted local insurance agency like Potter Agency or Strobel Insurance versus buying direct from a carrier:

• Get quotes from multiple top insurers – Compare rates side-by-side to find the best value.

• Tailored insurance programs – They combine complementary policies from different companies to meet your precise needs.

• Unbiased recommendations – Since they aren’t tied to one company, their product recommendations are 100% objective.

• Personalized service – As local community members themselves, they treat you like a neighbor.

• Policy maintenance – They proactively monitor your policies to recommend updates and ensure adequate coverage.

• Claims assistance – Local agents can expedite the claims process and help negotiate resolution.

For customized insurance protection at a competitive price from a trusted Eau Claire advisor, partner with an independent insurance agency.

The Bottom Line

Finding the right insurance company is easy when you work with a knowledgeable local insurance agency like Potter Agency or Strobel Insurance. They have access to all the top national and regional insurance carriers active in the Eau Claire area and can make personalized recommendations based on your needs and budget. This allows you to get optimal insurance protection specialized for your home, auto, business, farm or family in the Eau Claire community.