Saving Auto Insurance in Wisconsin
Wisconsin motorists are required by law to obtain liability insurance on their automobiles – but that doesn’t mean you have to spend an arm and a leg on coverage. According to the state of Wisconsin, there are multiple things you can do to save money on insurance without sacrificing the minimum coverage required.
Maintain a Clean Driving Record
Your Wisconsin driving record is one of the first things an insurance provider will look at to determine your monthly premiums. If you’ve accumulated a large amount of demerit points, received a considerable amount of traffic violations, and been involved in many accidents, an insurance provider may deem you a high-risk asset. As a result, you’ll be required to pay extremely high premiums monthly for minimum coverage.
Be careful on the road and ensure you drive safely – not just for the safety of yourself and others, but also for the sake of your wallet!
Research the Cost/Risk of Cars Before Purchasing Them
Not all vehicles are created equal. Some cars are at a higher risk of theft, while others may display less-than-desirable safety ratings – and therefore may cost more to insure. Consider the reputation and quality of your vehicles before purchasing them – you may end up paying more for it in the long run.
Ask About Discounts
Most, if not all, insurance providers have a long laundry list of discounts they can offer to drivers of all shapes and sizes. Discounts may include:
- Safe driver discounts
- Discounts for maintaining good grades in school
- Low mileage discounts
- Multiple vehicle discounts
- Discounts for memberships with auto clubs such as AAA
Be sure to inquire about any and all discounts you may qualify for before choosing a provider.
Take a Driver Safety Course
Most insurance providers in Wisconsin will give you a hefty discount on your auto insurance rates if you take a driver safety course with their permission. These courses serve as a refresher of your driving knowledge, providing you with information including:
- Updated driving laws
- Rules of the road
- Defensive driving techniques
- Proper right-of-way safety
- Driving at night or on the freeway
Not only are these courses a great way to save money, they’re also an effective method to bolster your skills as a safe, responsible driver.
For more information on how to save on auto insurance, you can consult the Consumers Guide to Auto Insurance, provided by the state of Wisconsin.
