Shopping for car insurance in Wisconsin can be time-consuming. BuyCarInsurance.com is here to make the process as simple as possible for you. We compiled this guide that lists the information you need to know so that you can easily get the car insurance plan that fits your personal needs - at the lowest rate.
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Like most states, in Wisconsin you are required to carry the minimum required car insurance. This includes bodily injury liability and property damage. In addition, Wisconsin requires uninsured/underinsured motorists bodily injury as well. We have provided a list of the coverages and the limits here:
|Bodily Injury Liability Coverage||$25,000 per person and $50,000 per accident.|
|Property Damage Liability Coverage||$10,000 per accident.|
|Uninsured/Underinsured Motorist Bodily Injury||$25,000 per person and $50,000 per accident.|
Do I Need More Than The Minimum Coverage?
This is a good question and depends if you are prepared to pay out-of-pocket expenses, in most cases people are not. We suggest adding a higher limit to your policy to ensure you will not have to pay ant out-of-pocket expenses for bodily injury or property damage. If you think about it, most cars cost more than $10,000 which is the property damage limit in Wisconsin. If a car is totaled out and the accident is your fault you will be responsible for expenses that exceed the policy limits.
Additional Coverages Available
In addition to increasing your policy limits, you can add additional coverages to your policy. There are many coverages to protect you in a variety of unique situations. Here is a list of the additional coverages and an explanation of how they provide protection:
Collision Coverage- Collision insurance will cover repairs to your vehicle in an accident you are at fault for.
Comprehensive Coverage- Comprehensive insurance covers you for other situations than a car accident; if you hit an animal, vandalism, fire, hail, flooding, or of your car is stolen.
Uninsured/Underinsured Motorists- Optional coverage that protects you if you are involved in an accident with a driver who has no insurance or too little insurance to cover the accident.
Medical Coverage- Optional coverage that will pay for medical bills when health insurance exceeds coverage amounts and covers medical expenses for you and your passengers. Do you walk or bike? This policy offers additional coverage if you are struck by a car in those instances.
Gap Insurance- Optional coverage that will pay if you don’t own your car outright and have an accident. Gap insurance will pay the difference between the cash value of your car and the current balance on your loan or lease. This policy is best for newer non-owned cars.
Personal Injury Protection- Depending on your state this type of insurance can be a requirement or an add on. Regardless of fault personal injury protection will cover medical expenses and loss of wages for you and your passengers (up to your limit). It also includes up to $5,000 for funeral expenses.
Teen Drivers in Wisconsin
At 15 ½ in Wisconsin, a teen can begin their driving journey with a learners permit. Once you have a teen behind the wheel it is important to start shopping for insurance. We don’t want you to be alarmed so we will break the news now, insuring teen drivers is expensive. If you want to save money, adding a teen driver to an existing policy is the best choice. Teen drivers can qualify for a car insurance discount, check with your insurance company and see what options they offer.
Multiple Drivers in Wisconsin
If you have a house with multiple drivers it is important to let your car insurance agent know. Your insurance agent will make sure your policy reflects the additional drivers and keep you from any unforeseen issues in the future, for example, a loss of coverage.
You do not have to add all the drivers in your home to your policy if you do not want to. You do need to inform your insurance agent about the drivers you are wanting to exclude from your policy. These drivers will no longer be covered and we recommend not letting them use your vehicle. You will be responsible for any damages or expenses out-of-pocket if you do.
Penalties for Driving Without Car Insurance
If you are not complying with the West Virginia minimum car insurance requirements you will be assessed penalties. These penalties can include a fine, loss of driving privileges, and higher insurance premiums. Here is a list of the penalties if you are not in compliance:
You will pay a fine of no more than $510
Your driving privileges will be suspended until you file an SR-22 certificate.
You will have to maintain the SR-22 certificate for three years.
You will have to pay a $60 license reinstatement fee.
If you are in an accident without car insurance your driver’s license and registration will be suspended for up to three years.
Car Insurance Discounts in Wisconsin
Everyone wants to get a discount on car insurance. We recommend asking your car insurance agent for a complete list of discounts. This will give you the chance to see what discounts there are and what discounts you qualify for. We put together a short list of common discounts in Wisconsin:
Good Driver- Maintain a good driving record free of accidents, tickets, and any moving violations.
Multiple Policy- Most insurance companies will offer a discount for having multiple policies such as car insurance, renters insurance, homeowners insurance, or motorcycle insurance.
Good Student- If you are a student enrolled in high school or college curriculum and maintaining a B average most companies offer a discount.
Wisconsin Car Insurance Quotes
Shopping for car insurance should be easy, but in most cases, it is tedious and overwhelming. Let BuyCarInsurance.com provide you with a car insurance quote from the top car insurance companies in Wisconsin. We will provide your quote within minutes, saving you time and money. Follow the three easy steps below to get a quote within minutes.