Whether you live in Wisconsin or plan on moving there soon, it’s important to understand the state’s laws regarding automobile insurance. It’s also important to know how to use a car insurance calculator to find out how much you’ll pay for a policy. There are several factors that impact your costs, including your age, credit history, and driving record. Having a clean record will help you to get lower rates.

For drivers in Wisconsin, the cheapest policy is a liability-only policy. This type of coverage protects you against the costs of medical expenses and vehicle damage in the event that you are involved in an accident. In some cases, you may want to purchase full coverage, which includes comprehensive and collision coverage. This is a good option if you drive a very valuable vehicle or have a large amount of money to invest in your car.

Increasing your liability limits is a good idea, as well. However, it’s important to understand that your premium will increase when you add coverage. In other words, if you increase your liability limit by $300,000, your price will be $500 more per year. If you choose to carry just the minimum liability limits, you could be seriously underinsured in a major accident.

The other biggest factor that affects your rates in Wisconsin is your credit score. If you have poor credit, you’ll have to pay higher rates. You may have a history of making late payments or a high debt load. Having a bad credit score can raise your rates by two or three times.

In addition to the state’s minimum coverage, Wisconsin drivers must also have uninsured/underinsured motorist coverage. This provides coverage in case someone is injured in an accident with you and you have no insurance. In addition, you must have $10,000 of property damage liability coverage, as well as $50,000 of bodily injury liability coverage.

Young drivers who have a clean record will pay a lot less than older drivers who have a bad record. The average cost of a full-coverage policy in Wisconsin is $1,499 a year, which is about $183 less than the national average.

If you’re a young driver in Wisconsin, your rate will likely rise after you get a speeding ticket or are involved in an at-fault accident. This means that if you want to save money on your vehicle insurance, you should consider getting additional collision and uninsured/underinsured coverage.

If you’re in the market for a new policy, you’ll need to compare multiple carriers. A good way to find the cheapest policy is to look at the insurance company’s ratings and customer reviews. You can also use a comparison site like RateForce.com to get quotes from multiple insurers.

The other thing you should know is that if you’re in an accident, your premium can increase by up to 2x. This can be particularly true for DUI and violations on your driving record. Another common reason for increased premiums is severe weather.