If you are getting a new or renewed policy in the state of Wisconsin after the 1st of November, 2011 the minimum standards for auto insurance rates has increased. If you want, compare insurance quotes from top companies in your area then simply enter your zip code in the advance comparison tool and compare three or more quotes to find savings of twenty percent or more. If you want to know the minimum standards then keep on reading to be sure you comply with Wisconsin’s state law for car insurance.
The state minimum requirements for the state of Wisconsin are as follows:
Bodily Injury Liability
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The minimum cover is $25,000 for injury or death of one person and $50,000 for injury or death of two or more passengers concerned in an unforeseen accident. The amount is maximum the insurance company will pay out for medical expenses or any other related medical care expense that may be needed.
Property Damage Liability
The minimum cover is $10,000 which is the maximum the insurer will pay out for damage caused to the other person’s automobile, traffic signs, buildings, or any other property that may have been damage in an unforeseen car accident.
In the state of Wisconsin there is a significant amount of uninsured motorists therefore the state requires uninsured/underinsured motorist protection. The minimum amount of cover is $100,000/$300,000 for bodily injury. Uninsured motorist cover applies to bodily injury to you, your family, and other passengers of your vehicle when hit by an uninsured motorist or a hit-and-run driver.
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It will cover you and your family if you are hit by a vehicle when you are walking along side of a street as a pedestrian. The ultimate purpose of UM protection is to protect you by making sure money is available to pay for your losses that are cause by someone else. Your insurer may sue the other driver for any money the insurer pays you because of the other driver’s negligence.
If you are looking for cheap auto insurance in Wisconsin then and you have a newer vehicle then it is recommended to get additional cover including the minimum. If you have an older car then you may want to compare quotes and see if you need comprehensive or collision coverage depending on the cost of your vehicle. It is important to make sure you are covered, but at the same time you do not want to overpay for coverage or get any that you may not need.
Average coverage per driver in The Badger State:
Bodily Injury Liability – 100,000/300,000
Property Damage Liability – 100,000
Uninsured/Underinsured Motorist Protection – 100,000/300,000
Medical Payments Coverage – $5,000
Comprehensive Coverage – $100 deductible
Collision Coverage – $500 deductible
The fines and penalties for driving without insurance in Wisconsin is not as strict as other states in the United States. However, drivers are required to show proof of insurance at any traffic stops and/or accidents if an law enforcement officer requests it. If you are in violation of driving without insurance you may receive up to a $500 fine and if you fail to show proof of insurance to law enforcement then you will receive a $10 fine. In a circumstance when you show “fraudulent” proof of coverage the fine will be up to $5,000. Wisconsin is one of the few states which does not require you to have an insurance card or proof to show at the Department of Transportation to register a vehicle. However, Wisconsin’s DOT can ask for proof on a case by case basis and if you do not have cover then you either without a license or it is revoked until you have minimum coverage.
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At Autoinsuresavings we want the residents of Wisconsin to get low cost insurance quotes to find the best deal while maintaining or receiving more coverage for less. Getting Wisconsin car insurance quotes has never been easier when you enter your zip at the top of the page. You have the advantage of any insurance broker by comparing quotes, you can have the agent call you back in two, three, five minutes, all from your home and at your convenience. Find out today and see if you can save forty percent or more on auto insurance.