 |
 |
 |
| Home |  |
Auto Insurance | |
Health Insurance | |
Home Insurance | |
Life Insurance | |
Renters Insurance | |
Travel Insurance | |
Insurance Articles | |
Other Insurance |
 |
|
| Wisconsin Auto Insurance |
 |
 Wisconsin Insurance FactsWisconsin is home to over 5.5 million people as of Census 2000, and in 2005 Wisconsin wrote 3.6 million passenger vehicle insurance policies with an average expenditure of $615 in 2005. Wisconsin Requirements for Vehicle Insurance Wisconsin requires that you carry a minimum bodily injury liability coverage of at least 25,000 per person with a maximum of $50,000 per accident and property damage liability coverage of a minimum of $10,000. You will not be required to show proof of insurance when you renew your driver's license or register your Wisconsin motor vehicle, but should you be in an accident you will then have to show proof. Noncompliance with Wisconsin Requirements for Vehicle Insurance. You will need to show proof of insurance when your driver's license or registration has been revoked due to noncompliance, when you reinstate your driver's license after a suspension, if the suspension was due to an infraction or a judgment against the safety responsibility law and for drivers under the age of 18 without a sponsor. If you choose not to carry insurance with a Wisconsin insurance agency you may post a bond with the Wisconsin Department of Transportation of $60,000. Milwaukee, Madison, Green Bay and Oshkosh Insurance Facts. The largest city in Wisconsin is Milwaukee, and as of 2006 had an estimated population of almost 600, 000, and in 2004, 5672 vehicles were stolen in Milwaukee and the adjacent areas. Some of these vehicles may have been the Oldsmobile Cutlass, Buick LeSabre, Toyota Camry, Honda Accord, and the Buick Century. All of these vehicles are on the top 10 stolen list for Wisconsin and usually require a higher premium. Madison, Wisconsin is the capital of the state, and as of 2006 had an estimated population of almost 550,000. Madison, Wisconsin had nine fatality accidents in 2004 involving 12 people and 10 vehicles with an average speed of 25 mph. It doesn't take a high speed accident to cause serious damage, and you need to make sure that your personal injury protection is going to be enough to cover you for a lengthy hospital stay. It usually doesn't cost but a few dollars more to upgrade your personal injury protection so that you can be adequately covered.  Green Bay, Wisconsin is the third-largest metropolis in Wisconsin and as of 2006 had a population of just over 100,000. Green Bay had 222 vehicles stolen in 2004 including the Honda Civic, Oldsmobile Delta 88, Ford Taurus, Dodge Caravan, and the Chevrolet Cavalier. These vehicles are on the 10 most stolen vehicle list in Wisconsin and installing antitheft devices and parking in a secured parking can help you reduce your insurance premiums. Oshkosh, Wisconsin had a population of almost 63,000 as of Census 2000, but has almost 160,000 people in the metropolitan area. In the city of Oshkosh, Wisconsin, there were 59 vehicle thefts in 2004 as well as three fatality collisions involving six people and four vehicles with an average speed of 30 mph. It doesn't take high-speed to cause serious injury during a traffic collision and carrying enough insurance to cover you during a lengthy hospital stay is an important aspect of owning liability insurance. It usually is not expensive to upgrade to higher values to make sure that your covered with your automobile insurance. Looking for ways to cut your insurance costs? Well look no further! I hope you will find these 10 handy hints help you to get the best budget car insurance
2. Protect Your No Claims Bonus. Although this might result in a slight increase in the initial cost of your policy, it's a worthy investment just in case the worst happens and you have an accident. You can potentially lose up to 60% discount on the price of your policy. 3. Do Your Research. When buying a new car, make sure that you check if the difference in make/model/spec has any effect on the premium. The larger the engine or sportier the model, the higher your premium will be. (Not to mention increases in road tax and petrol consumption!). 4. Improve Your Driving Skills, and reduce the chances of having an accident. Consider taking an advanced drivers course, many insurance companies will offer further discounts for completion one of these courses. 5. Keep Your Car in the Garage. Many of us have a garage that is so full of rubbish that we choose to keep our cars on the road. To save more money on your insurance, clear it out and use it for your car. The chances of theft decrease drastically when your car is kept in the garage rather than on the road, so insurance companies will reduce your premium as a reflection of this. 6. Don't Speed! If you have speeding fines or penalty points on your licence, insurance providers will certainly charge you at a higher rate than if you were a law abiding driver as you are considered at higher risk of having an accident. 7. Fit a Car Alarm and Immobiliser. Unfortunately it's true that car theft and break-ins are common occurrences in most UK towns these days. Reduce the likelihood of this happening to you by fitting a car alarm and immobiliser - this will result in you having to pay less for your insurance policy.
9. Increase Your Voluntary Excess. All policies will have compulsory excess amounts, which you have to pay if you've had an accident. If the accident isn't your fault you will be able to claim this back, but if it is then you will have to pay your excess. However, you can choose to voluntarily increase your excess so that you can get a reduced premium. This can be a very worthwhile exercise as many of us go for years without having to make a single claim. 10. Buy Your Policy Online. Finally, when you buy online you can often get a discount from the insurance provider. Not only this, you can also get paid cashback on the value of your policy. There are many cashback websites out there now that will share their commission with you if you sign up and buy your policy via their website. |
1. Shop around. This is vitally important as most insurance companies only offer the best deals to new customers. Studies have found that you can save around £100-£130 when renewing your policy if you shop around. With the recent upsurge of price comparison sites, gathering many different quotes has never been easier. One word of warning though, make sure the policies you get quotes for include everything you require, such as guaranteed courtesy car and legal cover.
8. Multiple Policy Discounts. Many insurance companies will now offer you a further discount if you hold more than one policy with them. For example, if you have your household and car insurance with one company you can benefit from discounts of around 10%. The may also offer a 10% discount if there are multiple cars in one household as you can now put all these on one policy rather than having a separate one for each car/driver. The competition is fierce and they have to look at new ways to entice customers, great news for us money savers!Copyright insurance-wizard.net