Most Green Bay traffic accidents occur during heavy traffic hours on the area’s highest-volume roads. These include Highway 41 and Interstate 94. Even the most defensive drivers can sometimes find it hard to prevent a collision when sharing these roads with so many other drivers. Additionally, Green Bay gets an average of 47.7 inches of snow each year, and this can lead to slick roads and hazardous driving conditions. Residents can protect themselves from accident-related financial hardship by carrying a comprehensive Green Bay, WI car insurance policy.
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Wisconsin Car Insurance Costs:
- National average annual costs: $1,311
- Wisconsin average annual costs: $930
- 46th most expensive premiums in the U.S.
Insurance rates in Wisconsin are significantly lower than the national average and when you comparison shop for your policy, you may find that comprehensive coverage can be obtained for a surprisingly low price. Keep in mind, however, that the average is just an estimate. Your actual cost will be based on factors such as your age, driving record, and the make, model and year of your car.
Wisconsin Car Insurance Requirements:
- Bodily injury liability: required
- Property damage liability: required
- Personal Injury Protection (PIP): not required
- Uninsured motorist: required
- Minimum liability limits: 25/50/10
- Coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $10,000 coverage for property damage.
The State of Wisconsin mandates minimum liability coverage amounts for
its residents who own vehicles. Failure to comply with these minimum amounts or to carry insurance for a vehicle you are operating can lead to a fine of up to $500 as well as the possibility of having your license or vehicle registration suspended.
These required minimum coverage amounts are designed to protect drivers from financial hardship or the need to file for bankruptcy following a vehicular accident, and, in most cases, they are high enough to successfully achieve this goal. However, if you are involved in a serious accident, you may find the coverage limits insufficient to cover the resultant damages.
If the costs associated with your accident exceed your policy’s liability limits, you will be responsible for paying the difference out-of-pocket. You can avoid this problem by opting for higher liability coverage or by purchasing an umbrella insurance policy.
Wisconsin Uninsured Motorists
- National uninsured motorists: 12.6%
- Wisconsin uninsured motorists: 11.7%
- Average vehicle repair cost in Wisconsin: $2,490
The number of uninsured drivers in Wisconsin is considerably lower than the national figures, but there is always a chance that an uninsured motorist will be at fault in an accident. Fortunately, uninsured motorist coverage is required by this state. This will give you the extra security and peace of mind that comes from knowing damages will be covered if an at-fault driver does not have liability insurance or the money for compensation.
Is the Addition of Comprehensive Coverage Necessary?
If you finance the purchase of your automobile, your lender will likely require you to carry comprehensive coverage for the life of your loan. If you own your vehicle outright, the decision about whether to purchase this extended coverage is personal and is dependent on factors including the value of your vehicle, where and how often you drive it, and how and where you store it when not in use.
The addition of comprehensive coverage with your Green Bay car insurance policy will provide additional protection for your investment by offering compensation for damages or losses caused by fire, falling objects, weather-related events, vandalism and theft.
Number of Thefts in Wisconsin:
- National vehicle thefts (per 1,000 registered vehicles): 2.94
- Wisconsin vehicle thefts (per 1,000 registered vehicles): 1.67
Vehicle theft in the state of Wisconsin is well below the national average, and in Green Bay, it has been declining significantly over the past decade. While in 2002, there were 270 reported vehicle thefts, recently, the number had dropped to 85. While the likelihood that your car will be stolen is low, you should still take precautions, including locking your car doors when you are away from your vehicle.
Find Your Ideal Green Bay Car Insurance Policy
When comparison shopping for Green Bay car insurance, whether online or by phone, you will need to provide each insurance company with specific details about yourself and your vehicle. This can prove to be time-consuming and, for many, it can be aggravating. Furthermore, many of the companies you contact will continue to call you with follow-up and sales calls that can be disruptive or annoying. You can simplify this process by allowing a Trusted Choice® network agent to do your comparison shopping for you.
A local Trusted Choice member agent can help you find a great car insurance policy, but the help doesn’t end there. Your agent can also assist you with all your future insurance-related questions and needs and, if you wish, can review your other insurance policies to confirm that you are properly covered at the best possible rate. Find a member agent in your neighborhood today and acquire your obligation-free selection of Green Bay auto insurance quotes.