Saturday, December 20, 2014

Wisconsin Car Insurance




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/Under insured 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.

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