Wisconsin’s tranquil, lightly traveled country roads make for the ideal setting to take a leisurely drive, taking in nature or admiring motorcycles passing you by. When doing so, make sure that you have adequate car insurance coverage – Wisconsin offers below-national average premiums making finding affordable protection easier.
Wisconsin car insurance rates can be significantly influenced by two main factors: driver age and credit score. Young drivers, due to limited driving experience, pay some of the highest premiums – adding one may increase rates threefold! Conversely, having poor credit can also cause rates to skyrocket; insurers view you as riskier customers and will increase premiums accordingly.
Your driving history can also play an integral part in Wisconsin car insurance rates. Insurers will review your record to assess whether any accidents in which you were at-fault occurred recently; an at-fault incident could increase rates significantly; fortunately, many carriers offer special programs designed to rebuild credit after unfortunate events have taken place and restore good standing after such instances have taken place.
Though Wisconsin law only mandates minimum bodily injury coverage of $25,000 per individual and $50K per accident, it would be prudent to purchase more liability coverage. Additional protection can help cover medical bills, lost wages and other costs not covered by your policy – giving you peace of mind if an uninsured motorist strikes!
Comparing rates is also essential when looking for coverage options and providers. Some providers specialize in offering highly competitive rates for specific vehicle models or drivers with certain qualifications such as good driving records. Furthermore, financial stability and loss ratio can provide insight into a provider’s ability to pay out on applicable claims.
With our Wisconsin Car Insurance Calculator, you can quickly gain an accurate estimation of what it might cost to insure multiple vehicles or drivers on one policy, take into account factors like vehicle and driver characteristics and coverage selection as well as deductible level and deductible level adjustment levels. It gives an approximate annual car insurance cost estimate so you can choose coverage that’s right for you.
Fill out our simple form to begin getting quotes today, and we’ll connect you with a local agent who will assess your needs and offer tailored suggestions. Also check out our comparison of Wisconsin car insurance providers to understand more about which are available near you. If private policies are beyond your budget, the Wisconsin Automobile Insurance Plan might offer assistance; otherwise consider exploring voluntary market coverage as another cost-cutting measure.