Wisconsin, like all other states, has strict minimum insurance requirements. Whether you are in Lacrosse or Green Bay, Beloit or Superior, you need the proper Wisconsin auto insurance to stay on the right side of the law. Driving without the coverage is illegal and can result in significant fines. It is also dangerous to drive without proper insurance in place.
You cannot drive in the Badger State without appropriate insurance coverage
Wisconsin is one of the more economically priced auto insurance states. A tort state, as is Wisconsin, requires minimum liability insurance. It is advised to increase insurance policies to include personal injury protection. Wisconsin auto insurance prepares policies that automatically include state mandated minimum liability insurance of $50,000 bodily injury of one person per accident, $100,000 for bodily injury of more than one person per accident and $15,000 for damage done to property.
Additionally, Wisconsin state auto insurance will set base amounts of $100,000 to $300,000 for uninsured drivers’ injury to their bodies as well as $100,000 to $300,000 for underinsured drivers’ bodily injuries. These liability minimums are the standard from which to begin building premiums. Low-cost auto insurance Wisconsin is familiar with regulations and can inform and assist if needed.
The state legislature in Madison has set the standards for minimum Wisconsin auto insurance. One must carry at least $25,000 per person ($50,000 for all persons) in minimum bodily injury coverage. Policies must also provide at least $10,000 in property damage coverage. That is about on par with the national average.
This provision protects those who may find themselves involved in accidents with people who failed to carry coverage. Wisconsin’s required “UM” coverage includes $25,000 per person ($50,000 for all persons) in bodily injury coverage with at least $1,000 of coverage for medical expenses. Wisconsinites may also opt for underinsured motorist coverage, though it is not mandatory.
Wisconsin, like many other states, also requires uninsured motorist coverage
Purchasing minimum coverage will keep you legal, but most drivers are not comfortable with that degree of protection. They seek out superior policies to better protect their financial well-being and their property. Those who are still paying on their vehicles are generally required to carry comprehensive insurance coverage as part of the terms of their finance agreement. The lienholder wants to be protected if the car, which serves as collateral on the loan, suffers damage.
Wisconsin is not a densely populated state and crime is relatively low compared to national averages. As such, Wisconsin auto insurance tends to be slightly less expensive than comparable coverage in other states. However, you can get car insurance now and pay later in order to avoid big out of pocket expenses. The gap would probably be higher if the state did not experience harsh, icy winters.
Auto insurance Wisconsin shows an average premium amount of $820 – $890 per Year for Wisconsin residents. The national average is about $1,550, but varies little according to which record is presented. Premiums are determined by combining many factors, such as speed limits, which in Wisconsin are in cities and highways sixty-five mph. Litigation costs and other insurance expenses are also calculated into these figures. Auto insurance quotes Wisconsin will need to see records of steady employment and good credit reports to keep premiums as low as possible.
Wisconsin Auto Insurance Plan
Because insurance coverage is mandatory, the State of Wisconsin operates its own program to supply insurance to those who are turned down by private sector insurance companies. Applications for the Wisconsin Auto Insurance Plan (often abbreviated WAIP), may be processed through any licensed insurance agent. Premiums for WAIP coverage vary, but they do tend to be relatively high. After all, the program is reserved for high-risk drivers who cannot secure coverage through standard means.
Some people may wonder if their minimum Wisconsin auto insurance policy will be enough to meet the requirements of states with higher minimum standards. According to the office of the Wisconsin Insurance Commissioner, a Wisconsin minimum policy will be interpreted to meet the standards of any other state in which a Wisconsin site happens to be driving.
Ninety-one teenagers, ages 16 to 19, died in 2020. In two-thirds of the cases, these teenagers died from their first traffic accident. Because of those tragedies, Wisconsin adopted new requirements for granting driver’s licenses. Wisconsin teens can apply for the licensing process at fifteen and a half. It will take three and a half years to complete the program and earn unrestricted licenses. These teens should be insured while they are on their parent’s policy. Cheap Wisconsin auto insurance has the information to make responsible decisions.
Keeping Premiums Low
This is not as impossible as it may seem. There are many things an individual can do to pay less than maximum prices for insurance. Wisconsin auto insurance quotes will be kept low by not driving a high-risk car that is on the list of the ten most stolen cars in Wisconsin. Avoid driving a 2013 Mazda, a 2014 Honda Civic or a 2012 Toyota Camry. Car insurance with no money down in Wisconsin can also be found by living in an area not overly populated, like a large city. Another plus that will lower rates is working steadily at the same job for a number of years. Another factor lowering rates with cheap auto insurance Wisconsin is having an exemplary driving record. Last, but not least, shopping around for insurance will gain you some insight and better deals for your insurance needs.
Whether you consider yourself a badger or a cheese head (or both), you need insurance
Wisconsin auto insurance is mandatory and those who happen to be pulled over while lacking coverage can face stiff fines and other consequences. If you are planning to hit the road, be certain you have appropriate coverage and proof of your insurance before backing out of the driveway.
If you need Wisconsin coverage, the Internet is a great place to start your search. Visit a website that can provide you with price quotes from a number of Wisconsin car insurance providers. You will be able to see which companies can offer you the best price on the level of coverage you need. In addition, add supplemental coverage at your existing policy buying Aflac coverage.