Personal Auto Insurance is available from Coverra Insurance Services offices in Sparta, Tomah, Holmen and Black River Falls, Wisconsin. Coverra Insurance Services is an independent insurance agency which means we represent many different personal auto insurance companies. Because we are an independent insurance agency, we can offer you one stop shopping for all of your personal auto insurance needs.
The cost of your personal auto insurance will vary depending on your driving record. Persons with clean records - no accidents, tickets or claims, generally get the best price for their personal auto insurance. Some personal auto insurance companies only write insurance for persons with clear driving records and they offer deeply discounted rates to clean drivers.
The premiums for your personal auto insurance will also be affected by your age, marital status, how the vehicle is used (business use, driving to and from work or school or pleasure use), where you live and your insurance or credit score.
Personal auto insurance companies also offer a variety of discounts. Almost all personal auto insurance companies offer a discount if you own a home or for having condo or renters insurance. In fact, you will get your lowest personal auto insurance premiums by placing both your home insurance and personal auto insurance with the same agent and the same insurance company.
Another common discount is a discount for paying a full annual premium for your personal auto insurance.
Many personal auto insurance companies offer a claims free discount for having your insurance with them and for having no claims.
Probably the most important factor for getting the best price on high risk auto insurance is to go to an independent insurance agency like Coverra Insurance Services where you can get one stop shopping. Our offices are conveniently located in Sparta, Tomah, Holmen and Black River Falls, Wisconsin.
Right now, whether or not you need to carry personal auto insurance in Wisconsin is determined by the Wisconsin Financial Responsibility Law. The Wisconsin Financial Responsibility Law is designed to make sure that any motorist licensed to drive in Wisconsin has insurance or enough money to pay for damages to others that may be caused by a motor vehicle. Right now, proof of financial responsibility would be personal auto insurance or, in limited situations, other security which could be a surety bond, personal funds, or certificate of self-insurance.
After June 1, 2010, Wisconsin drivers will be required to have an automobile insurance policy with the following minimum liability limits:
Remember, theses are MINIMUM LIMITS. In order to protect your assets and to protect your financial future, Coverra Insurance Services recommends purchasing more coverage than what is provided in the minimum auto insurance policy required in Wisconsin.
When Auto Liability Insurance becomes mandatory in Wisconsin effective June 1, 2010, a driver will be required to provide proof of auto liability insurance (like a valid Auto ID card) if requested by police officer after being stopped for a traffic violation. Failure to provide proof of auto liability insurance will result in a fine.
Also effective June 1, 2010, the lack of previous Auto Liability insurance can no longer be used as an underwriting or rating element to deny coverage or assign a higher rate or tier.
New, mandatory increased limits for Bodily Injury and Property Damage Liability go into effect earlier for persons who are required to have financial responsibility filings (SR22). Effective January 1, 2010, the required minimum Bodily Injury and Property Damage Liability limits for auto policies that have or require a SR22 filing will be $50,000 per person / $100,000 per accident for Bodily Injury Liability and $15,000 for Property Damage Liability.
