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Cheap Wisconsin Auto Insurance

Cheap Wisconsin auto insurance quotes, companies, laws, minimum requirements. We help to find cheap auto insurance in Wisconsin.

Are you looking for cheap auto insurance in Wisconsin? There are plenty of ways to go about that. Of course, most people assume that this is a time-consuming exercise. And to be honest – it is without some help. With our free quote tool, you’ll come to find that this isn’t early as laborious as you may have thought. Not only have we helped people save a substantial amount of money in a year, we’ve also allowed them to do it efficiently. Try our free quote tool to see what we’re talking about!

Wisconsin Auto insurance Law
Since Wisconsin is a Torte state, any individual who is found to be at fault in an accident can be sued for pain, suffering, lost wages, and medical expenses. For this reason, insurance companies advise policy holders to buy more than the minimum liability auto insurance, and there’s a way to do that and still have cheap Wisconsin auto insurance. The average insurance premium in Wisconsin as of 2006 is approximately $590.00 and the state is ranked as the 45th most expensive state for insurance premiums in the nation, which allows for the person to assume that they’ll have a pretty easy go at finding cheap auto insurance in Wisconsin.

The state of Wisconsin you must be able to prove you are financially responsible for damages and injuries incurred in an accident. You are not required to carry uninsured and underinsured coverage or the mandatory liability auto insurance demanded by the state. Underinsured and uninsured coverage is not mandatory in the state of Wisconsin but it your insurance agent may strongly recommend that you carry the coverage. The level of coverage suggested is $50,000.00 per person and $100,000.00 per accident. If you decide to forego this option, the insurance company is required to provide a signed declaration page stating that you chose not to take the underinsured and uninsured coverage.
Common Practices in Wisconsin Auto Insurance Law

You or your insurance company may exclude members of your household from coverage on your insurance policy. If the individual is not listed on your policy, the insurance company does not have to provide coverage for that person or any accident that individual is involved in. Any exclusion will be listed in the section of your policy titled exclusions. This section also covers any and all circumstances which would allow the insurance company to deny a claim. If your policy lapses or cancels your insurance company will notify the DMV. In turn, the DMV will give you a certain amount of time to produce proof of financial responsibility. If you fail to meet this deadline your driver’s license and registration may be suspended.

Wisconsin insurance companies can use your credit history to accept applicants, set insurance rates, and determine which services they will provide. It can also be used to set your insurance risk score and determine your payment options. However, many other factors are used to determine your rates such as the age of the drivers on the policy, the car you drive, driving record, where you live and your marital status, all playing a part in determining cheap auto insurance in Wisconsin.

Reducing Premiums
Getting cheap auto insurance in Wisconsin is all about reducing the premium. One of the methods you can use to reduce the cost of your auto insurance premiums is to purchase more than one type of insurance policy with the same company. You will also get discounts for a clean driving record and possibly for renewing you policy with the same company repeatedly. Making sure you insurance never lapses will sometimes reduce your premiums as well as belonging to a particular professional group such as engineers, teachers, or doctors. Younger drivers can get discounts for maintaining good grades, and completing a driver safety course approved by the state. Insuring multiple vehicles will also reduce your premiums. Anti theft devices and safety mechanisms such as airbags and seat belts will contribute to the reduction of your auto insurance premiums. It may also be useful to know which cars are frequently targeted by thieves. The list of the top ten most often stolen cars in the state of Wisconsin are listed below.

1. 1998 Oldsmobile Cutlass
2. 1995 Honda Civic
3. 1990 Toyota Camry
4. 1990 Buick LeSabre
5. 1990 Honda Accord
6. 1990 Buick Century
7. 1990 Oldsmobile Delta 88
8. 1999 Pontiac Grand Am
9. 1993 Chevrolet Cavalier
10. 1996 Ford Taurus

Although looking for car insurance may not be the most fun thing in the world, having a service that will do all of the legwork for you can make it a lot easier. Our free quote tool is something that assuredly has a lot of people happy, as it finds them the policies that they can honestly stand by – all from companies that they would have more than likely chosen anyway. We keep it simple and only provide you the best possible quotes for your vehicle.

Useful links:
Wisconsin Division of Motor Vehicles
Wisconsin Division of Insurance
Wisconsin Department of Revenue

Wisconsin minimum requirements
Bodily Injury Liability Per Person: $25,000.00 Limit
Bodily Inury Liability Per Accident: $50.000.00 Limit
Property Damage Per Accident: $10,000.00 Limit
Uninsured/Underinsured Options: $50,000.00/$100,000.00 Limit
Cash Deposit with DMV: $60,000.00 Limit

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