The Wisconsin Car Insurance Calculator helps you understand what to expect from the state’s car insurance regulations and how much your policy will cost. Use the calculator to find out what kind of coverage you need and how much your premium will be, as well as which insurers offer the best rates.
Drivers With Clean Driving Records Get Low Car Insurance Rates
Keeping your driving record clean can save you money on auto insurance in the long run. Good drivers who have no accidents or tickets typically pay lower insurance premiums than bad drivers, and can often take advantage of discounts that reduce their rates even more.
In fact, drivers with a clean driving record can save as much as 25% per year on their car insurance premiums. That can be a significant savings, especially if you have a family and need to protect them from financial loss in the event of an accident.
Young Drivers With an At-Fault Accident Can See Their Quotes Skyrocket
A ticket or an accident can make a big difference on your auto insurance quotes. For example, an 18-year-old driver with a speeding ticket will see their car insurance rates rise by $22 a month, while an at-fault accident can increase rates by up to $35 per month.
It’s important to note that the rate increase you’ll pay after an at-fault accident in Wisconsin is larger than a speeding ticket. This is because insurance companies charge higher rates for at-fault accidents than for non-at-fault accidents.
Minimum Coverage and Liability for Wisconsin Drivers
The state of Wisconsin requires all motorists to carry liability insurance, which pays for any injuries or property damage that result from an accident. It’s important to know your limits and to choose higher ones than the minimum.
When you buy a policy in Wisconsin, you’ll also want to consider medical payments coverage and uninsured/underinsured motorist coverage. These can help you cover damages and injuries if an accident isn’t your fault, or if the other party doesn’t have enough liability coverage to pay for the damage.
You can also purchase a high-risk policy in Wisconsin if you have a poor driving record or have a high amount of outstanding debt. This will usually require you to fill out a form called an SR-22 certificate. However, it can be worth it to pay a little extra for the added protection and peace of mind.
Getting an Auto Insurance Quote for Your Vehicle in Wisconsin
Using a car insurance calculator is the best way to compare quotes and get the right coverage for your situation. You can enter your personal information and the details of your vehicle to receive customized rates from top insurers.
If you’re a student, military member or homeowner, you may qualify for discounts that can cut your costs significantly. These types of discounts are available from many car insurance companies, so be sure to shop around and compare policies before buying.