Wisconsin Car Insurance: Easy Auto Insurance Guide

Wisconsin Financial Responsibility Law requires all drivers to prove they are financially responsible and capable of paying for damages or injuries caused to others by their vehicle.

In Wisconsin, the minimum legal auto insurance coverage should include a minimum Bodily Injury Liability of $25,000 per injured individual and a total of $50,000 for every accident. The state also requires its drivers to have a minimum of $10,000 as Property Damage Liability coverage.

The Tort system is followed in Wisconsin, which states that the person responsible for causing the accident has to pay for all the damages. It is wise to notice that the details of the Tort system are different from state to state.

Uninsured/Underinsured coverage is also required to pay for the damages and injuries caused to you and your party by an uninsured driver. The state minimum for the Uninsured coverage is $25,000 per person and a total of $50,000 per accident for bodily injuries caused by an uninsured driver.

For more details regarding auto insurance in Wisconsin residents can contact the Wisconsin Commissioner of Insurance located in Madison by calling (800) 236-8517 or by visiting their website at http://oci.wi.gov.

As with most bargain hunters for low cost auto insurance, car owners in Wisconsin look for cheap insurance when searching for quotes. Getting affordable insurance quotes from insurance companies is the first step in getting cheap car insurance. Here are some tips on how to save on quotes in Wisconsin:

Group Discounts

Car insurance companies in Wisconsin offer discounts and special rates if you are affiliated with organizations like college, medium or large company and credit unions. It is recommended you call the service center of the insurance company and ask for a list of affiliated organizations.

Comprehensive Storage Coverage

It is recommended to keep just the comprehensive storage coverage if you’re not going to use your car for a long time. Instead you can purchase on day car insurance or coverage for shorter period. The car insurance company will offer you cheaper quotes because driving the car less puts you automatically in a low risk category.

Yearly Policies

If you choose a six-month policy, you will have to change the policy every six months. You can save on your car insurance by choosing a yearly policy.

Combine Car and Home Insurance Policies

Car insurance companies offer a discount if you buy home and car insurance policy from the same company. This discount can be up to 20%.

Special Driving Courses

Car insurance companies offer cheap insurance quotes or special rates to people who have completed a special driving course. These people are categorized as low risk as they are less prone to get in an accident. It is recommended to contact the state insurance commissioner to find where you can take such courses.