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• WI Auto Insurance
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Wisconsin Auto Insurance Rates | Factors & Discounts

Learn How to Get A Low Car Rate in WI

Wisconsin auto insurance agencies classify drivers into "risk pools" when determining the rate for an auto insurance policy. A number of different factors are considered commonly including age, sex, marital status, where the car is garaged, driving history, the make and model of automobile, prior insurance coverage and the number of miles driven in a year. Drivers with certain characteristics, such as a poor driving record, that have statistically proven to file more insurance claims are placed in a higher risk pool and their car insurance rates are higher.

Driving History of Others On Your Policy

It’s often not a bad idea to add a spouse or children to your auto insurance policy, but the driving record of someone on your policy does affect your car insurance rate.

Don’t Be Discouraged If Your Premium Looks High

Don’t lose all hope of getting an affordable car insurance rate if you feel your premiu is high. Most car insurance companies offer significant insurance rate discounts for a variety of reasons and there is a good chance that you may qualify for some of them. Insurance companies differ in which discounts they offer because they are often targeting different groups of individuals.

Discounts are commonly offered for:

• Multiple Insurance Policies (Home, Life, etc.)
• Multiple Vehicles Insured
• Good Grades
• Safety Devices on Vehicle
• Security Features on Vehicle
• Driver’s Ed Courses