Wisconsin Auto Insurance Legal Liability Minimums, Rates, State Laws

Finding a good Wisconsin auto insurance company means more than just finding the proper coverage. There are many insurance companies that offer their customers more than an auto insurance policy. Driving and the things that go along with it such as vacations, family time, and mechanical errors are quickly becoming part of the car insurance business. When looking for an auto insurance company in Wisconsin, consider finding a company that has more to offer than just a policy.

Rather than a no fault system, Wisconsin has a tort system in effect. The purpose of a tort system is to find the person at fault in an accident and hold them responsible for the damages caused. A tort system also allows the injured party to sue to party who caused the accident. As you may be at fault in an accident and made to pay for damages, you must carry the Wisconsin auto insurance minimums that are required by law.

Wisconsin requires Bodily Injury Liability in the amount of $25,000 per person and $50,000 per accident. You must also carry Property Damage Liability in the amount of $10,000 and Uninsured Motorist Bodily Injury in the amount of $25,000 per person and $50,000 per accident. Having these amounts will ensure that you are within the requirements of the law.

Once you find a Wisconsin auto insurance company, ask about what other services they offer. For example, most insurance companies offer roadside assistance for free, or for a small monthly fee which is added to your premium. When you consider that the average price of a tow truck is $75, a roadside assistance plan seems logical. These plans cover everything from tow truck charges to car unlock services, to emergency assistance, to rental car privileges in the case of an accident.

Another new and beneficial service many auto insurance companies are offering is contracted discount services. For example, showing your insurance card can get you a discount at certain hotels, gas stations, theaters, restaurants, and even stores. The auto insurance business is a competitive one and anything extra a company can offer as a bonus to their customers brings business their way.

When choosing a company, make this part of your consideration. If you travel a lot, look for a company whose card brings you travel discounts. If you eat out a lot, look for a card that gives you restaurant discounts. You don't want your choice of a company to be based solely on these extra perks, but every bit of savings helps along the way.

Wisconsin auto insurance providers want your business. Once you find a company that can write you a policy within your budget, ask about what extras they offer. Shop around with different companies and find the one that gives you the coverage and the perks you want.

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Minimum liability limits for Wisconsin auto insurance are set at $25,000/$50,000/$10,000 - and uninsured motorist protection is required.

Your policy for Wisconsin auto insurance may make you qualified to receive discounts at hotels, restaurants, theaters and more throughout the state.

Check additional valuable information of your State Insurance department organization.
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