Cheap Car Insurance in Wisconsin
Cheap car insurance in Wisconsin doesn’t have to be hard to find. But before making any decisions on auto insurance plans it is best to know what the state law mandates. This way you can be reassured that you don’t find yourself in the dark when the unexpected happens.
Wisconsin’s law follows a tort system. This means that whoever is found at fault, that person and their insurance company is liable for all damages. Thus, it is very important to get the amount of coverage that best protects yourself, your family, and your vehicles and other assets. In the event of a serious injury accident, you could be held personally responsible for all damages if you are underinsured. This can lead to financial ruin.
New Wisconsin Auto Insurance Requirements
As of November, 1, 2011, Wisconsin’s minimum car insurance requirements are $25,000 for injury or death of one person, $50,000 for injury or death of two or more people, and $25,000 for property damage. Uninsured and underinsured motorist is a mandatory requirement as well. The minimum coverage for this is $25,000 per person per accident and $50,000 per accident.
The amount of required coverage actually went down from the previous level, which was 50/100. However, property damage liability increased from $15,000. UM/UIM coverage limits were unchanged.
Always Carry Your Insurance Card
If your driver license has been suspended or revoked in the state of Wisconsin, you must show proof of insurance during the reinstatement process. Also if you are under the age of 18 and without a sponsor, proof of insurance must be shown as well. Under normal circumstances, proof of insurance doesn’t need to be shown during renewal or registering a car.
During traffic accidents or stops the driver must show their insurance cards. If one can not be produced then a small fine could be given. If fraudulent information was given then a larger fine and suspended license could be the result of that action. Cheap auto insurance in Wisconsin can also depend on other factors. Some companies rates depend on the distance driven to and from work, past driving history, the age of the driver and the area you live in.
Selecting the Right Auto Insurance Company
Wisconsin has many quality car insurance companies that can send you free rate quotes with just the basic information required from you. Within moments you can compare the different companies and decide on what best suits your budget and gives you the desired coverage needed for your car.
Don’t just focus on price alone. Consider the claims service and financial standing of the company. Insurance is only good if it is there to property protect and serve you when you have a claim. Insurance is not an area of your budget to cut corners.
Get Free Quotes
Where do you find cheap Wisconsin car insurance? Right here! DiscountCarInsuranceQuotes.net has partnered with leading insurers in the Badger State. In order to shop around for the best coverage and specific needs for your automobile, simply enter your zip code in the designated field and you can get quotes from numerous top insurers. Compare rates and lock in your lowest price!