When looking for cheap Wisconsin car insurance, you will first have to find a good car insurance company, preferably the ones which offer great packages. And in order to do that, you will need to gather the necessary number of quotes. To start you search, all you need to do is enter you zip code at the top of this page and you will be get the list of the best car insurance companies in the WI.
Quotes are simple enough to understand. Many car insurance companies and firms design their quote-related web pages to be as user-friendly as possible. All you need to do is provide all the pertinent information (i.e. Zip code, car model, annual mileage, etc.) and you will get your quotes. Once you have the quotes you need, you can begin comparing them for your needs.
However, it’s not just about quotes. You will also have to think about the specific companies that you would like to work with. All of the largest car insurance companies in the country have branches in Wisconsin, including Esurance, Progressive and Geico. Smaller insurance companies also provide additional options, but you should consider whether or not the packages they offer are sufficient for your needs.
Aside from the number of options that you have, you may also be glad to learn that the average car insurance policy in Wisconsin is only $1,175. This is in contrast to the average rate of the rest country which is $1,550.
Now, you may be wondering why the average car insurance rate in Wisconsin is much lower than the national average. Well, the answer is that the average premium in a particular state is based on its current economic status, its infrastructure, its annual rate of traffic accidents as well as the number of car owners and motorists living in the area. These factors are taken into consideration by both the state government and most car insurance companies in formulating their respective policies.
With Wisconsin car insurance companies, their policies are all about how much money to charge you. However, with regards to the state government, policies usually mean traffic laws and car insurance requirements, just like in all other states. In Wisconsin, these requirements are:
$50,000 per person injury coverage
$100,000 per accident injury coverage
$15,000 property damage coverage per accident
$100,000 – $300,000 for uninsured and underinsured bodily injury limit
Aside from these minimum car insurance requirements, it’s also worth noting that Wisconsin is a Tort state, which basically means that whenever a car accident happens, where two or more parties are involved, one of said parties must be found “at fault.” The car insurance companies of those who are found “at fault” will then be held responsible for all damages involved.
These laws apply to all cities in Wisconsin, so there’s no going around them. However, if you’re interested in saving some money, it’s worth remembering that different factors come into play with regards to car insurance costs, and where you live can have a very big impact on what sort of premiums you may face in the future.
Most Stolen Cars In Wisconsin
Another issue that can help you lower the cost of your car insurance premiums is car theft. Like traffic accidents, Wisconsin Car Insurance companies are also worried about car thefts due to their direct influence upon their business strategy, not to mention the average number of claims that they will be expected to honor from their clients.
To learn about car theft in Wisconsin, it’s important to start with the cars themselves. In 2010, the top 10 cars which are most likely to get stolen include:
1994 Plymouth Voyager
1994 Chevrolet C/K 1500
1999 Dodge Intrepid
1997 Ford Taurus
1995 Toyota Camry
1994 Honda Accord
1998 Pontiac Grand Prix
2000 Dodge Caravan
1994 Oldsmobile Cutlass
1995 Honda Civic
If you can find your car on the list above then there’s a good chance that you’ll have higher premiums to pay than most people, especially if you live in a high crime area.
However, the issue doesn’t end there. Remember that there are many kinds of car insurance companies, and some of them are willing to overlook the potential risk of your car with regards to car theft if you are willing to install alarms and locks.
Remember that it’s all about risks. To a large extent, what car insurance companies are concerned about is your how much you are willing to do to reduce your car’s chances of getting stolen (or damaged). So if you want lower premiums, be sure to take the necessary precautions to make sure that your car will not get damaged or stolen.
DUI Laws in Wisconsin
If you are caught driving with a high blood alcohol level in the state of Wisconsin, you can expect to get the following penalties:
$150 to $300 in Fines
6 to 9 Months worth of license suspensions
Alcohol and Drug Assessment
Mandatory SR22 InsuranceThese penalties only apply for first time offenders though. Subsequent cases of DUI’s can lead to more severe penalties and fines.
However, the penalties and fines are not your only problems. Even if no one was hurt when you are charged with a DUI, even if there weren’t any damages to speak of, the very fact that it happened means that your potential risk as a motorist has risen up.
A single DUI means that you have become a liability on the road, and therefore have a much higher chance of filing a claim in the foreseeable future. And as far as car insurance companies are concerned, that means increasing your premiums by a considerable amount, sometimes by 50%. It is based on this premise that car insurance companies will increase your premiums.
There is however, a solution. You can get high risk insurance to deal with the situation as it currently is. There are plenty of companies which offer this type of car insurance, however considering that they are aimed at high risk drivers, they will cost more money than the average car insurance premium. So you may want to consider your options carefully in this regard.
Quotes are simple enough to understand. Many car insurance companies and firms design their quote-related web pages to be as user-friendly as possible. All you need to do is provide all the pertinent information (i.e. Zip code, car model, annual mileage, etc.) and you will get your quotes. Once you have the quotes you need, you can begin comparing them for your needs.
However, it’s not just about quotes. You will also have to think about the specific companies that you would like to work with. All of the largest car insurance companies in the country have branches in Wisconsin, including Esurance, Progressive and Geico. Smaller insurance companies also provide additional options, but you should consider whether or not the packages they offer are sufficient for your needs.
Aside from the number of options that you have, you may also be glad to learn that the average car insurance policy in Wisconsin is only $1,175. This is in contrast to the average rate of the rest country which is $1,550.
Now, you may be wondering why the average car insurance rate in Wisconsin is much lower than the national average. Well, the answer is that the average premium in a particular state is based on its current economic status, its infrastructure, its annual rate of traffic accidents as well as the number of car owners and motorists living in the area. These factors are taken into consideration by both the state government and most car insurance companies in formulating their respective policies.
With Wisconsin car insurance companies, their policies are all about how much money to charge you. However, with regards to the state government, policies usually mean traffic laws and car insurance requirements, just like in all other states. In Wisconsin, these requirements are:
$50,000 per person injury coverage
$100,000 per accident injury coverage
$15,000 property damage coverage per accident
$100,000 – $300,000 for uninsured and underinsured bodily injury limit
Aside from these minimum car insurance requirements, it’s also worth noting that Wisconsin is a Tort state, which basically means that whenever a car accident happens, where two or more parties are involved, one of said parties must be found “at fault.” The car insurance companies of those who are found “at fault” will then be held responsible for all damages involved.
These laws apply to all cities in Wisconsin, so there’s no going around them. However, if you’re interested in saving some money, it’s worth remembering that different factors come into play with regards to car insurance costs, and where you live can have a very big impact on what sort of premiums you may face in the future.
Most Stolen Cars In Wisconsin
Another issue that can help you lower the cost of your car insurance premiums is car theft. Like traffic accidents, Wisconsin Car Insurance companies are also worried about car thefts due to their direct influence upon their business strategy, not to mention the average number of claims that they will be expected to honor from their clients.
To learn about car theft in Wisconsin, it’s important to start with the cars themselves. In 2010, the top 10 cars which are most likely to get stolen include:
1994 Plymouth Voyager
1994 Chevrolet C/K 1500
1999 Dodge Intrepid
1997 Ford Taurus
1995 Toyota Camry
1994 Honda Accord
1998 Pontiac Grand Prix
2000 Dodge Caravan
1994 Oldsmobile Cutlass
1995 Honda Civic
If you can find your car on the list above then there’s a good chance that you’ll have higher premiums to pay than most people, especially if you live in a high crime area.
However, the issue doesn’t end there. Remember that there are many kinds of car insurance companies, and some of them are willing to overlook the potential risk of your car with regards to car theft if you are willing to install alarms and locks.
Remember that it’s all about risks. To a large extent, what car insurance companies are concerned about is your how much you are willing to do to reduce your car’s chances of getting stolen (or damaged). So if you want lower premiums, be sure to take the necessary precautions to make sure that your car will not get damaged or stolen.
DUI Laws in Wisconsin
If you are caught driving with a high blood alcohol level in the state of Wisconsin, you can expect to get the following penalties:
$150 to $300 in Fines
6 to 9 Months worth of license suspensions
Alcohol and Drug Assessment
Mandatory SR22 InsuranceThese penalties only apply for first time offenders though. Subsequent cases of DUI’s can lead to more severe penalties and fines.
However, the penalties and fines are not your only problems. Even if no one was hurt when you are charged with a DUI, even if there weren’t any damages to speak of, the very fact that it happened means that your potential risk as a motorist has risen up.
A single DUI means that you have become a liability on the road, and therefore have a much higher chance of filing a claim in the foreseeable future. And as far as car insurance companies are concerned, that means increasing your premiums by a considerable amount, sometimes by 50%. It is based on this premise that car insurance companies will increase your premiums.
There is however, a solution. You can get high risk insurance to deal with the situation as it currently is. There are plenty of companies which offer this type of car insurance, however considering that they are aimed at high risk drivers, they will cost more money than the average car insurance premium. So you may want to consider your options carefully in this regard.
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