Wisconsin Car Insurance – Auto Insurance Quotes in WI
Wisconsin has its own specialized laws and regulations concerning car insurance, and they are incredibly stringent when compared to many other states. Understanding all the protection required in order to safely and legally drive in the state can be difficult, not to mention confusing.
Rather than getting bogged down in all the details, drivers in Wisconsin can turn to MyCarInsuranceRates.com to learn exactly what they need to drive in their state and get cheap Wisconsin car insurance. Moreover, they can use us to get the best car insurance rates on their required policies, by taking advantage of free car insurance quotes online from the best insurance companies in the US.
Wisconsin Car Insurance Requirements
Part of the reason Wisconsin’s car insurance requirements and liability limits are high is because it utilizes the Tort system for insurance. This system maintains that one of the parties involved in an accident must be responsible for bodily injuries, medical expenses, and property damages. The state also requires policyholders to maintain coverage against other motorists who either do not have any insurance or do not have enough insurance.
Understanding Wisconsin Car Insurance Liabilities & Coverage
Wisconsin’s required insurance coverage is a basic 50/100/15 plan with the addition of 100/300 UM limit. In other words, under the basic coverage, an individual in the accident is covered for up to $50,000 for bodily injuries, including medical expenses, while the total accident itself is covered for a minimum of $100,000. Drivers must also maintain property damage coverage for up to a $15,000 limit.
The coverage required for uninsured and underinsured motorists is quite a bit higher, requiring a $100,000 minimum per person and $300,000 per accident. Property damage for uninsured motorists is not required under state minimums, but is a good idea.
Wisconsin Insurance Coverage
- Bodily Injury Liability: $50,000/$100,000 Limit
- Property Damage Liability: $15,000 Limit
- Uninsured/Underinsured Motorist Bodily Injury: $100,000/$300,000 Limit
My Car Insurance Rates makes it incredibly easy to get free auto insurance quotes, helping drivers in Wisconsin find lower rates and better comprehensive coverage.
Wisconsin Car Insurance Laws & Regulations
Until very recently, it was not illegal to drive without insurance or proof of insurance in Wisconsin. Now, however, if a driver cannot prove that he or she has car insurance, the penalty is a ticket and the possibility of a suspended registration. Drivers who are caught without auto insurance also have to file an SR-22 form providing proof of insurance with the DMV; this must be done for at least three years. Worse, uninsured motorists are often responsible for covering all the damages incurred in an accident out of pocket.
Average Wisconsin Car Insurance Rates
It frankly does not make sense to drive without insurance in Wisconsin, because even with its stringent requirements, the state maintains cheap car insurance rates. Nationally, car insurance rates in 2010 were an annual $1,538, compared to Wisconsin’s average rates of $1,167 per year.
Auto insurance rates are lower throughout the country, so the time is ripe to let MyCarInsuranceRates.com help you find cheaper car insurance quotes from the nation’s top auto insurance providers. Wisconsin’s drivers can instantly fulfill their state requirements while saving money on their car insurance rates.
Wisconsin Car Insurance Quotes
In 2010, car insurance rates in Wisconsin were an astounding 24 percent lower than compared to 2009. It may be difficult to comparison shop individually among different insurance companies, but MyCarInsuranceRates.com can help drivers in Wisconsin benefit from that monumental decrease.
By simply entering your zip code, we open up a world of car insurance companies, such as Nationwide, Allstate, GEICO, Progressive, 21st Century Insurance, Liberty Mutual, State Farm, Farmers Insurance, AAA and AARP. These top auto insurance companies are ready to offer free car insurance quotes online and compete for your business. There are multiple insurance policies available and drivers can assess and compare the different rates of each.
By searching for a new auto insurance policy now, you could potentially save hundreds of dollars, which could certainly be put to better use elsewhere. Enter your zip code now to begin an instant, free car insurance quote and start saving money with cheap Wisconsin car insurance.
