You can't predict when you may be in an accident, but you can prepare by getting the right types and amounts of car insurance. Whether you have a fender bender sliding around on Wisconsin's slippery and snowy winter roads or your car is a total loss, you can minimize the negative financial effects of an accident by consulting an independent insurance agent in Oshkosh.
An independent insurance agent can get car insurance quotes from multiple insurance companies while serving as your single point of contact. Get in touch with an insurance agent today to start the process.
How Much Does Car Insurance Cost in Oshkosh, WI?
On average, car insurance in Wisconsin is a bit less expensive than the national average. Shop around for the best rates to save money on your car insurance premiums.
- National average annual car insurance cost: $889
- Wisconsin average annual car insurance cost: $664
Every insurance company calculates their rates differently, so your quotes will vary from one company to the next. Insurance rates are based on many factors. It's crucial to get multiple quotes. Here are some examples of information that insurance companies use to come up with your insurance premiums:
- The age, model, and make of your vehicle
- Your age, gender, marital status, and occupation
- Your driving record
- Your credit score
- Other licensed drivers in your home
- Whether you own or rent your home
- Your deductible amount
- Liability insurance amounts
- Coverages included with your insurance
You can expect to get at least a small discount if you bundle your homeowners insurance or renters insurance with your auto insurance. You can also get discounts with certain companies if you are a student who gets good grades or if you have a good driving record.
A local independent insurance agent can help you understand quotes from different companies while helping you take advantage of any available discounts.
What Does Oshkosh Car Insurance Cover?
When you build a car insurance policy, you'll choose from various required and optional insurance types. As an Oshkosh resident, you'll be required by law to meet or exceed the Wisconsin minimum coverage requirements. In Wisconsin, you must carry certain amounts of liability insurance.
If you have a lease or loan on your car, your dealership or lender may also impose rules about the types and amounts of insurance you purchase.
Here are the insurance types you can include in your car insurance policy:
- Liability insurance (Required): Covers injuries to other people in an accident you caused. In Wisconsin, your policy must include:
- Bodily injury liability coverage of at least $25,000 per person and $50,000 per accident
- Property damage liability coverage of at least $10,000 per accident.
- Personal injury protection (PIP) (Optional): Covers medical expenses for you and your passengers if there are injuries resulting from an accident, regardless of who caused the accident.
- Uninsured motorist insurance (Required): Covers injuries and non-covered damage if you are in an accident with someone who doesn't have enough or the right type of insurance.
- Collision insurance (Partially optional): Covers repairs or replacement of your vehicle minus your deductible.
- Comprehensive insurance (Partially optional): Covers repairs or replacement of your vehicle if it is damaged or lost in an incident not covered by your collision policy.
- Roadside assistance and towing (Optional): Covers costs associated with getting your car back on the road if you run out of gas, lock your keys in the car, or get a flat tire.
- Rental reimbursement coverage (Optional): Covers the cost of renting a car while your vehicle is being repaired after a covered accident.
Your agent can help you choose the coverage levels and insurance types that best fit your situation.
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What Is the Penalty for Driving without Insurance in Oshkosh?
Driving without insurance is illegal in Wisconsin. Penalties include:
- A civil motor vehicle infraction (CMVI) conviction on your record
- A fine of up to $500 for not having insurance
- A fine of up to $10 for failing to have proof of insurance at traffic stop or accident
There are more uninsured drivers in Wisconsin than the national average:
- Percentage of US drivers who are uninsured: 13%
- Percentage of Wisconsin drivers who are uninsured: 14.3%
Uninsured motorist coverage is required in Wisconsin. You'll receive the financial compensation you need to get your car fixed or replaced without having to seek legal representation.
How High Is the Auto Theft Rate in Oshkosh?
The rate of auto theft in Wisconsin is much lower than the national average. It's even less in Oshkosh.
- National auto theft rate per 1,000 vehicles: 2.37
- Wisconsin auto theft rate per 1,000 vehicles: 1.72
- Oshkosh auto theft rate per 1,000 vehicles: .58
While your risk of having your car stolen is very low in Oshkosh, you can still benefit from having comprehensive coverage on your vehicle, since it covers many more perils than just theft. With comprehensive coverage, you'll also be insured for damage caused by flooding, fallen trees, hailstones, and vandalism.
If you don't have comprehensive coverage, talk to your agent to learn about adding this important insurance to your auto policy.
Why Work with an Independent Insurance Agent in Oshkosh, WI?
Working with an independent insurance agent in Oshkosh can save you time and money. Your agent can shop dozens of insurance companies on your behalf. They can also help you understand how to build a policy that's an ideal match for your situation and budget.
Contact an insurance agent in Oshkosh, WI today to get started right away.
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