Buying Wisconsin Car Insurance


Wisconsin with blue backgroundWisconsinites have since only the summer of 2010 been required to buy personal coverage policies in order to be on the road legally. Luckily for them, though, their state has been said to have some of the lowest policy costs in the nation. According to the most recent data from the National Association of Insurance Commissioners (NAIC), the average expenditure in the state was placed at $581, making it the sixth-cheapest state to buy a policy. However, in order to help ensure that a good deal is found, motorists should compare quotes from various companies prior to buying coverage.

Compare Quotes and Buy WI Auto Insurance

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Maintaining Adequate Protection

Only months after the mandatory Wisconsin auto insurance law took effect, state legislators began a fight over how much protection minimum policies in the state should be required to provide. The group pushing for significantly lower mandatory levels eventually won, with the rollback taking place in November 2011. Wisconsinites going to purchase coverage should understand these levels and make an informed decision about whether they should buy protection that exceeds them.

According to the legislation that was passed, the pre-November 2011 minimums consist of the following:
  • $50,000 for bodily injury liability per person
  • $100,000 for total bodily injury liability per accident
  • $15,000 for property damage liability per accident
  • $300,000 uninsured/underinsured bodily injury coverage per accident
As of November 1, they are the following:
  • $25,000 for bodily injury liability per person
  • $50,000 for total bodily injury liability per accident
  • $10,000 for property damage liability per accident
  • $50,000 uninsured/underinsured bodily injury coverage per accident
Drivers in the state who buy or renew a plan after November 1 will have to decide whether they want to maintain the higher levels. Shoppers may want to get free auto insurance quotes without personal information to compare costs for different levels of protection.

In addition to mandatory uninsured/underinsured and mandatory liability policies, Wisconsinites also will have the option of purchasing a medical payments policy, which will pay for a set amount of their hospital bills after an accident, and comprehensive and collision, which cover damages to the insured car regardless of fault. According to the latest figures from the NAIC, the average combined cost for comprehensive and collision in the state was about $318.

Checking Up on Wisconsin Insurers

United States flag shaped as WisconsinBefore choosing the insurer with the best price, drivers may want to visit the website run by the Office of the Commissioner of Insurance to put some valuable resources to use. On the website, residents can perform two crucial tasks before buying: checking the license status of a company or agent and reviewing a company’s complaint history.

By using the site’s agent/agency and company lookup functions, consumers can make sure that these entities are licensed to do business in the state and that they are not buying a bogus policy. By looking at the most recent annual report on complaints and administrative actions hosted on the site, buyers can evaluate the rate at which past and present policyholders filed grievances with the state against particular companies. The best rated auto insurance companies in these reports may end up providing the best policyholder experience.