Affordable Car Insurance Auto Insurance in Wisconsin - Compare Rates




Drivers of the state!!


From June 1, 2010, you are required to have an automobile insurance policy in force all the time. Another choice that is available to you is that you can take other security options like a surety bond, personal funds, or certificate of self-insurance of the same amount. Do keep in mind that these options can be exercised in limited situations only.

Instead of going for other options, buying insurance is always the best choice as you can also purchase coverage which will cover you, irrespective of whether you are at-fault or not.

From 2010 the minimum liability insurance has increased and now your automobile insurance policy must include the following minimum coverage:
>> $50,000 for injury or death of one person
>> $100,000 for injury or death of two or more people
>> $15,000 for property damage

Other than insuring yourself with both these coverages, the state also requires that you purchase uninsured and underinsured motorist coverage each with minimum limits of $100,000/$300,000 for bodily injury coverage.

This coverage is useful if you are involved in an accident in which the at-fault driver has insufficient or no insurance at all. Your insurer will also cover you in case of hit and run if you have this coverage.

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Proof of insurance

If you are not able to show the proof of insurance when requested, then you will have to pay up to $500 as penalty.

Other than the mandatory coverage you may also go for Physical Damage Coverage which will include:

>> Collision Coverage - This pays for physical damage to your vehicle caused by collision with an object, including another car or even a stationary object. The coverage will pay to repair your vehicle. The amount spent on repairs will be equal to the value of the vehicle before the accident. The good thing about this coverage is that your insurer will pay for such damages even if the collision is your fault.

>> Comprehensive (also called other than collision) Coverage - This pays for damage to your vehicle resulting from fire, vandalism, water, hail, glass breakage, wind, falling objects, civic commotion, or hitting a bird or an animal.

The state of Wisconsin sees relatively frequent accidents involving deer. This coverage will also cover any damage from that.

Several factors affect your insurance premium like:
>> Age
>> Where the vehicle is garaged
>> Driving record
>> Make and model of vehicle
>> Annual miles driven

You can reduce your coverage if you know how insurer classifies drivers.

Young drivers are generally considered risky. But you can reduce your premium if you are still a student and maintain a good GPA.

It is also important where you park your vehicle. If you use a garage then probably your car is safer than if it were on a street. Parking in a garage will emphasize the fact that it is less prone to theft and other damages. So the insurer might reduce your premium on this premise.

Your driving record also matters a lot. If you have a poor record you have higher possibility of involving in an accident. This will increase your cost. You can lower your insurance in this scenario by taking driver education classes and by driving safe.

You car model also determines your premium. If you own a car which is expensive to repair and its spares are difficult to obtain then you may end up paying higher amounts.

You can also ensure that you drive less and save on premium. Various companies charge according to the number of miles driven. If you use more of public transport and reduce your average miles driven then you can further reduce your premium.

So when you buy insurance keep all these points in mind. You can use internet to obtain information of several companies. You shouldn't choose any company just because it offers you the lowest rates. Check whether you are getting adequate insurance or not and also study their financial ratings. If the company is financially stable then only you should go for it.

Don't forget to ask for discounts. They have the potential to significantly lower your premium.

So now what are you waiting for?

Get yourself insured today.

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