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Many Quotes to Choose From... Means
You Save More.
It also means we do the hard work for you!
 SHOP
FOR QUOTES
At R&S Insurance Agency, Inc.
we make shopping for insurance so simple you'll wonder why you
haven't shopped with us before. Whether you
contact us by using our online services or by phone - you
can count on us to provide you with insurance quotes from
the multitude of companies we represent.
Each quote designed specifically around you, your property, your situation, and your
lifestyle. We provide you
with freedom and choice, plus the unparalled service only a
local
independent agent can provide.
To get started today all you need to
do is complete our "Super Simple Quote Request" located on the
right side of this page. You can also choose to use our more detailed online quote forms
-here- or just give us a call at
Tel: 608-251-0022 & 608-873-9258.
Insurance for Business
COMMERCIAL LINES INSURANCE
Running a business in today's economy is a challenge, but can also
be very rewarding. Although keeping up with day-to-day operations
takes up most of your time, you also must take all necessary
precautions to safeguard your business from loss.
At R&S Insurance Agency, Inc. we take the time to effectively analyze your
business needs, help you develop a plan that is customized and
responsive to your own specific situation & can offer you very
competitive pricing reflective of your exposure and experience.
Whether you own an office building, a coffee shop, or operate from
home, we offer the
right combination of coverage's to meet your needs.
Insurance for Families & Individuals
PERSONAL LINES INSURANCE
Our comprehensive commitment to Personal Lines Insurance means you
will always receive professional and personalized attention, at your
convenience. Personal lines insurance includes... Auto,
Homeowners, Condo, Apartment Renters, Boats, Liability & more.
PERSONAL PACKAGE PROGRAMS can be designed to
meet the individual needs of you and your family. Package your
insurance and save with multi-policy discounts!
DISCOUNTS! – Multi-Policy, New Home,
Alarms, Loss Free... just to name a few!
Flexible Plans for You & Your Family
LIFE & HEALTH INSURANCE
Planning for the health and well being of you and your family is
much more than a physical concern for today. It is also
important to plan for the financial "what if's" which life can
challenge us with at any given moment.
With a number of plans and options to choose from, we can help
you achieve the coverage you need, at a price you can afford.
Group & Employee Benefits
GROUP & EMPLOYEE BENEFITS
Planning for the health and well being of you and your family is
much more than a physical concern for today. It is also
important to plan for the financial "what if's" which life can
challenge us with at any given moment.
In concert with you, we will control loss experience, manage
employee's health and wellness and positively influence future
premiums.
Farm, Ranch, and Agricultural Business
FARM & RANCH COVERAGES
Farming operations represent one of the largest and most specialized
business ventures in the United States. Today’s farms typically are
bigger (measured in overall operations expense) than most main
street retail operations. R & S Insurance will assist you in
developing a comprehensive plan to protect your property, crops,
equipment, and overall liability protection.
Make A Payment or File A Claim
MAKE A PAYMENT ONLINE
Our Bill
Payment area allows you to quickly locate the insurance
company your insurance policy is with and further provides each
company's direct payment link. Allowing you the option of paying your insurance
bill securely and conveniently online.
FILE A CLAIM
ONLINE OR BY PHONE
Have you just suffered an accident or property loss? Rest
assured, we will be with you each and every step of the way.
To report your claim right now please use our Claims page to quickly located the
company your insurance policy is with to file your claim online or
call using the details provided.
For Our Highly Valued Customers!
As a point of service and
convenience, we invite our clients to use the following online
services anytime the need arises:
Contact Us Today
CONTACT
US TODAY
Our strong focus on customer service
is a primary part of what we do each and every day. A responsibility we take very seriously.
It's always a pleasure to serve the changing needs and requests of our
clients. Whether our services are engaged online, while on the
phone, correspondence using email, fax, or in person -- we
appreciate every opportunity to serve you.
If you are currently engaged in
shopping your insurance we invite your inquiries and would be
honored to help you achieve what you are needing. Promptly,
timely. and at a highly competitive price.
R&S Insurance Agency, Inc.
1520 E. Vernon Street
Stoughton, WI 53589
Office Hours: M-F 8am-5pm
Tel: 608-251-0022 & 608-873-9258
Fax: 608-873-3395
Email: email@rs-ins.com
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[+ Click any of the above to expand view]
A Brief
Introduction to R&S Insurance Agency, Inc.
We are pleased to be Licensed in the following States: Wisconsin, Illinois & Minnesota.
Providing Insurance Solutions for Families, Individuals &
Business
As an experienced independent insurance agency, it is our
responsibility to represent your interests, not the very limited interests of
just one insurance company. As a result, we’re able to offer you
many more opportunities for substantial savings, incredible customization,
real choices and a level of consultation and service
simply not found with any direct writer, captive "one company only" agent or other
limited type of
insurance provider.
We're in the unique position to research your real-world
options and craft a personalized, competitively-priced insurance
protection program that’s just right for you...
LEARN MORE...
Complete the Introduction
Should you ever suffer a loss... we are your first advocate.
Representing you as a client when a claim occurs distinguishes us from
those other types of insurance systems, which is something they are
generally discouraged from participating in by the single insurance company they serve. We’re not
like them. We’ll be here for
you every step of the way to make sure your claim is settled quickly and
fairly.
In short, at R&S Insurance Agency, Inc. we offer you the freedom to receive so much more for
your insurance dollar. Choice, friendly professionalism, dependability &
advocacy. It all adds up to real value still unmatched by all the
rest
in today’s economy.
TRYING TO SAVE MONEY? AVOID THE FIVE BIGGEST
INSURANCE MISTAKES.
 With
nearly one in 10 Americans out of work, and others forced to make ends
meet with less money, many people are looking for ways to cut costs. There
are smart ways to save on home and auto insurance; however, there are also
mistakes that can result in being significantly underinsured.
When money is tight, it extremely important to be
financially protected against a catastrophe with the right amount and type
of insurance by taking a few simple steps, it is possible to cut costs and
still be protected should disaster strike.
Following are five of the biggest insurance mistakes
that consumers should look out for:
Insuring a home for its real estate value rather than
for the cost of rebuilding. When real estate prices go down, some
homeowners may think they can reduce the amount of insurance on their
home. But insurance is designed to cover the cost of rebuilding, not the
sales price of the home. You should make sure that you have enough
coverage to completely rebuild your home and replace your belongings.
A better way to save: Raise your deductible. An increase from $500 to
$1,000 could save up to 25 percent on your premium payments.
Selecting an insurance company by price alone. It is
important to choose a company with competitive prices, but also one that
is financially sound and provides good customer service.
A better way to save: Check the financial health of a company with
independent rating agencies and ask friends and family for
recommendations. You should select an insurance company that will respond
to your needs and handle claims fairly and efficiently.
Dropping flood insurance. Damage from flooding is
not covered under standard homeowners and renters insurance policies.
Coverage is available from the National Flood Insurance Program (NFIP), as
well as from some private insurance companies. Many homeowners are unaware
they are at risk for flooding, but in fact 25 percent of all flood losses
occur in low risk areas.
A better way to save: Before purchasing a home, check with the NFIP to
check whether it is in a flood zone; if so, consider a less risky area. If
you are already living in a flood zone area, look at mitigation efforts
that can reduce your risk of flood damage and consider purchasing flood
insurance.
Only purchasing the legally required amount of liability
for your car. In today’s litigious society, buying only the minimum
amount of liability means you are likely to pay more out-of-pocket—and
those costs may be steep
A better way to save: Consider dropping collision and/or comprehensive
coverage on older cars worth less than $1,000. The insurance industry and
consumer groups generally recommend a minimum of $100,000 of bodily injury
protection per person and $300,000 per accident.
If you don't own your home, neglecting to buy renters
insurance. A renters policy covers your possessions and additional
living expenses if you have to move out due to a disaster. Equally
important, it provides liability protection in the event someone is
injured in your home and decides to sue.
A better way to save: Look into multi-policy discounts. Buying several
policies with the same insurer will generally provide surmountable
savings.
If your car is getting up there in age, you may want to think about dropping the
collision or comprehensive coverage (or both) on your policy. You need to think
about this one though - it's not always a clear-cut decision. You need to weigh
the cost of the two coverages with the value of your car and your chosen
deductibles. For example, if you had a 10-year-old car that’s worth about $1000,
and your deductible was $1000, the coverage is not actually going to help you.
Ask about discounts
Most insurance companies offer discounts. While the availability of discounts
will vary depending on your insurer, where you live and whether you meet
eligibility, make sure to ask if there are any discounts you can take advantage
of. The following is a list of a few of the more common discounts (if available
in your state, each insurer will have different eligibility requirements):
Multi-vehicle discount - available if you insure multiple vehicles with the same
insurer
Multi-line discount - available if you insure your home and auto with the same
insurer
Good driver discount - if you have not had an accident or ticket in a long time
Good student discount - if you’re a student with good grades, usually about a B
average
Safe driver discount - if you’ve taken and passed an accredited driver safety
course
Anti-theft discount - if your vehicle has certain anti-theft devices installed
Safe vehicle discount - if your vehicle has certain extra safety features
Retiree discount - if you’ve reached a certain age, usually 50 or 55
Low mileage discount - if your vehicle is not driven often
Occupational discount - if you work in a certain field or hold a certain degree
Auto club discount - if you are a member of an auto club, like AAA
Association discount - if you belong to certain associations, like your alma
mater
Away-at-school discount – if your child is attending school out of town
Choose a car that costs less to insure
If you’re purchasing a new car and have narrowed it down to two or three
options, compare the auto insurance rates of each to see if there is a notable
difference in the cost to insure. Remember, insurance rates are more for
vehicles with high theft rates and repair costs. If there is a significant
difference in cost to insure your first choice car, you may have to reconsider.
Drive safely
OK, this one is obvious but true. Driver’s with no accidents, tickets or
insurance claims almost always pay less for their auto insurance coverage. Your
driving record is an influential factor in determining your insurance rate.
Tickets and at-fault accidents affect your insurance rates for years. With a
less than perfect driving record, you can find yourself paying a lot of extra
insurance premium over the years.
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