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Individual Health Insurance Wisconsin, as in most U.S. states, is a lot cheaper when combined with low-cost car insurance.
This page summarizes rates, stats, quotes and facts pertaining to car insurance in Wisconsin.
Here's how to reduce annual insurance premiums to a minimum.
Minimum Liability Coverage
The state of Wisconsin does not require vehicle owners to purchase auto insurance. However, drivers must prove their ability to pay for damages if found to be at fault in an accident.
Wisconsin drivers can buy standard liability insurance, OR place a cash deposit of $60,000 with the Wisconsin Department of Transportation.
Needless to say, most Wisconsin drivers decide to buy auto insurance.
The minimum available car insurance liability coverage in Wisconsin is 25/50/10 per vehicle.
This means that each driver must carry at least $25,000 in coverage for personal injury protection (PIP), $50,000 to cover death or injury to other people, and $10,000 in coverage against property damage.
According to insurance experts, state minimums on auto insurance are often not enough to cover the cost of an accident.
Recommended is 100/300 coverage for each vehicle owned in America.
Penalties for Driving Uninsured
Wisconsin car owners who are ticketed for driving uninsured vehicles have to pay fines of up to five thousand dollars and suffer a suspended license.
The guilty party must then show proof of insurance prior to reinstating the driver’s license.
Wisconsin has a relatively low percentage of uninsured drivers, probably due to the state's harsh weather conditions.
Average Auto Insurance Rates
The Average Annual Car Insurance Premium for Wisconsin vehicle owners was $1,228 last year.
At the same time, the national average premium for car insurance was $1,510.
When actuaries determine premium rates, they consider variables like climate, economy, crime rates, population density, road conditions, average commute time, and percentage of uninsured drivers, among other things.
Additional factors affecting annual rates are individual demographics like the age, gender, marital status, lifestyle, and driving history of the policy holder.
One reason for Wisconsin's lower than average car insurance premiums is the fact that Wisconsin follows a “tort” system, which means benefits are paid only by the carrier covering the driver who is at fault.
Premiums tend to run lower in tort states than in no-fault states.
Cost Car Insurance & Individual Health Insurance Wisconsin
Erie Car Insurance is known to offer safe driver discounts, senior citizen discounts, good student discounts, vehicle safety discounts, anti theft device discounts, and multiple auto discounts, to name a few.
way of slashing premium rates are Multiple Policy discounts for people
who have (for instance) automobile insurance, home owner's insurance, and/or individual health insurance
Wisconsin policies with the same carrier.
Car insurance companies all over America offer similar discounts. You can lower your premiums as much as 40 percent by applying for every possible discount.
Popular with Wisconsin car owners are regional carriers like Erie Insurance, American Family Insurance, Indianhead Insurance, and Wisconsin Mutual.
Still, many locals opt for major providers like Allstate, Geico, Met Life, Travelers, Farmers, Nationwide, Progressive, State Farm and Liberty Mutual.
Start by obtaining several free quotes online.
Then call five local carriers for more free quotes, and ask about the discount programs. Then simply compare quotes and choose the policy with the lowest annual premium rate.
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