Liability Laws in WI State
Wisconsin law will require that Milwaukee residents to buy liability insurance starting June 1, 2010. Before this the state has had a “financial responsibility” law, which requires vehicle owners to either have enough money to pay for repairs in the event of an accident or to buy insurance. Of course, most drivers opt for liability car insurance to be sure coverage is available when they need it. As of January 1, 2010, Wisconsin’s minimum limits for liability coverage are $50,000 per individual and $100,000 per accident. The property damage limit is $15,000. The limits for uninsured and underinsured motorist insurance are $100,000 per person and $300,000 per accident. The Tort system is followed in Wisconsin. This requires the at-fault individual to cover repairs or injuries caused in an accident.
Sift through Multiple Insurers Quickly
Milwaukee offers plenty of choices in regards to car insurance, but you’ll need to sift through multiple companies to determine which is right for you. An easy way to do this is to use an online car insurance comparison. Look for providers that are priced at or below the state’s average premium while offering maximum protection for your family’s needs. To give you an idea, Wisconsin’s average car insurance premium in 2009 was $1,530. This was below the national’s norm of $1,735 so you’ll have an idea of what is a good value for Milwaukee car insurance.
While doing an online comparison, be sure to include all the details you can think of to receive accurate quotes. Car insurance providers offer free quotes online, and one comparison site might render up to 50 quotes.
Compare quotes with higher deductibles to reduce the premium, and be sure to include any information that could result in a discount. If you have multiple drivers/automobiles in your household, compare rates for all persons involved. Some providers offer a multiple vehicle discount. Discounts may also be available for good grades and driver training for students. If you have a short commute to work or stay home most of the time, you’ll likely enjoy a lower premium. The average commute time to the workplace in Milwaukee is 22.5 minutes!
If you’re in the market for a new automobile, check out statistics that can affect your insurance premium. You can go online to find out which cars are the safest, hold their value the longest, are able to withstand certain types of impacts better than others, etc. Choose a car with multiple safety features and anti-theft capabilities to increase your chance of getting cheap auto insurance.
As a Milwaukee resident, you’ll find that affordable car insurance can easily be attained with online resources. This sure beats spending an entire day visiting various insurance offices!