R & S Insurance

Information may not be reliable

Tel: 608-251-0022 & 608-873-9258
Fax: 608-873-3395

Office Hours: M-F 8am-5pm
Tel: 608-251-0022 & 608-873-9258
Fax: 608-873-3395

Happy Holidays from R&S Insurance Agency, Inc.
Best wishes to you and yours this Holiday Season and throughout the coming new year!
Quick Checklist: Winter Auto Maintenance In addition to the added perils of winter driving, the change in weather can bring peril to your car's systems. Freezing temps, salted roads and wintery precipitation can gang up on your car if you don't give it a baseball-bat sized maintenance session. These winter maintenance jobs will keep you out of trouble:

Check your antifreeze
Your antifreeze (the juice that goes in your radiator) is an essential part of your car's winter protection. Your car contains a 50/50 mix of water and antifreeze. Make sure the level is full and the mixture is close to 50/50. Many service stations and repair centers will check this mixture free, or you can buy a tester for around $5. You did remember to perform a radiator flush last spring, didn't you?

Inspect your tires
The last line of defense between you and an oak tree are your tires. Winter is not the time to get cheap about your tires, so take the time to check the tread depth. The National Highway Transportation Safety Board says you need at least 2/32" of depth to be safe. It's been my experience, especially in winter weather, that anything less than 4/32" (1/8") be replaced soon. The old penny test is as reliable as anything to find out whether your treads are ready for winter action. Also, be sure to check your tire pressure. Believe it or not, they lose a little pressure when it gets cold, so pump 'em up.

Replace your wipers
Wipers? What do your windshield wipers have to do with winter weather? Two things. First, anything falling from the sky is going to end up on your windshield, and unless you have a team of beavers riding on the hood of your car the task of clearing it falls on your wipers. Second, in areas that see snowfall in the winter, you're also driving through that soupy muck that's left on the road once the highway department does their thing. This muck includes a lot of sand and salt, both of which end up on your windshield. It takes wipers that are in top shape to keep your windshield clean and safe.

Check your windshield washer fluid
You'll be using lots of washer fluid as you try to keep your windshield sparkly. A mile stuck behind an 18-wheeler will have your windshield looking like a Desert Humvee if you're low on washer fluid. *Tip: Don't fill your washer fluid reservoir with anything except washer fluid, it won't freeze!

Auto Insurance

Home Insurance

Personal Insurance

Condo Insurance

Renters Insurance

Flood Insurance

Motorcycle Insurance

Off-Road Vehicle Insurance

Watercraft Insurance

Boat Insurance

Recreational Vehicle

Umbrella Insurance

Life Insurance

Health Insurance

Extended Service Contracts

Earthquake

General Liability

Excess Liability

Commercial Property

Workers Compensation

Commercial Earthquake

Commercial Building Owners

Service Center

Insurance Claims

Combine and Save

Business Savings Analysis

Commercial Vehicle

In the Modern World, Car Insurance Matters
In the modern world, proper auto insurance is more important than ever. With more drivers on the road the chances of getting into an accident increases - even if youre the best driver in the world. There are many other factors that should be taken into consideration as well.
For example, the economy the way it is has many people trying to get by without any auto insurance, and this means there are many uninsured drivers on the road. They may not be as careful of a driver as you are. If you have precious cargo in your car, this is another reason you should consider getting the best car insurance coverage possible.

If you are ready to see if you can save money on your auto insurance, its time to use the power of the Internet to get a quote from multiple companies who know they are competing for your business. This can make quite a difference in the amount of money you end up paying every month to stay insured. These days, going without insurance is NOT an option. Luckily, there are many great deals available depending on your driving record, your age, the car you drive, and several other factors. Youll never know how much you can save, however, unless you get a quote.

Tips for Saving Money on Auto Insurance
Beyond just getting quotes from companies who know they are competing for your business, there are some other things you can do to save money on your auto insurance. For instance, you may not be required to get full coverage insurance. While this is usually better in most cases, if you need to save money on car insurance, going with limited liability auto insurance coverage may be a better option, especially if youre a careful driver.

R&S Makes Insurance Buying Easy!

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 Products & Services

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.

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. Todays 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.

Bill Payments & Claim Filing

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:

Request An Additional Insurance Quote Online

Make Bill Payments Online
(payments made directly to insurance company)

Order Replacement ID Cards for Your Automobile Policy

Order Certificate Of Liability Insurance
(commercial client requests)

Contact Us for Service, Questions, Quotes & More

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.

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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, were 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 thats 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. Were not like them. Well 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 todays economy.

SIMPLE IS BETTER: No long complicated forms required... Simply answer a few basic questions & we'll contact YOU!

R&S Insurance Agency, Inc. is Licensed in the following States: Wisconsin, Illinois & Minnesota.

Licensed in the following States: Wisconsin, Illinois & Minnesota

Overview Of Products & Services

Home, Condo & Renters Insurance

IMPORTANT NOTE: This Web site provides only a simplified description of coverages and is not a statement of contract. Coverage may not apply in all states. For complete details of coverages, conditions, limits and losses not covered, be sure to read the policy, including all endorsements, or prospectus, if applicable.