You can't predict when or if you'll be in an accident, especially with Racine's unpredictable winter weather. A well-designed car insurance policy can help you be prepared for the unexpected, whether you are in a fender bender or are facing the total loss of your vehicle. Your insurance can help you minimize the potential financial loss associated with a car accident.
When you work with an independent insurance agent, you'll have access to an expert that can help you find the best insurance coverage at a great price. Find an insurance agent in Racine and start comparing personalized car insurance policies right away.
How Much Does Car Insurance Cost in Racine, WI?
On average, Wisconsin residents pay a bit less for car insurance than the national average. Shop around to get the best possible deals. Your agent can help you understand how to maximize your insurance coverage while staying within your budget.
- National average annual car insurance cost: $889
- Wisconsin average annual car insurance cost: $664
Your car insurance quotes will differ from the national and state averages. Every insurance company uses its own method of calculating insurance rates. Your quotes will be based on a number of factors:
- Your car's age, value, and type
- Your gender, age, and marital status
- Your credit score
- Your driving record
- Information about other drivers in your home
- Whether you rent or own your home
- Your deductibles
- Your liability insurance levels
- Your car insurance coverage choices
If you bundle car insurance with homeowners insurance or renters insurance, you'll probably get a decent discount on your rates. You may also see a rate reduction if you have a safe driving record or are a student who gets good grades.
Your agent can help you understand your options and how you can get the best possible discounts on your car insurance premiums.
What Does Racine Car Insurance Cover?
Most car insurance policies mix required and optional coverage for personalized coverage. As a Racine resident, you'll have to meet or exceed Wisconsin's insurance requirements, including liability coverage.
If you lease your vehicle or have a loan, you'll also have to adhere to the requirements of the dealership or lender about the amounts and types of insurance you purchase. They may require you to carry full coverage on your car, which includes collision and comprehensive coverage.
Here are the most common insurance options:
- Liability insurance (Required): If you cause damage to someone else's property while driving your vehicle, or someone is injured in an accident you cause, liability insurance kicks in. In Wisconsin, you must carry these minimum amounts of liability insurance:
- 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): If you and your passengers are in an accident and sustain injuries, this coverage pays for medical expenses, regardless of who caused the accident.
- Uninsured motorist insurance (Required): If you are in an accident with a driver that doesn't have enough insurance or the right kind of insurance, this policy pays for the damage.
- Collision insurance (Partially optional): This policy pays for damage to your vehicle as a result of a collision with another vehicle or object.
- Comprehensive insurance (Partially optional): This policy replaces or repairs your car if it's damaged or totaled due to a non-collision incident such as theft, flooding, or falling objects.
- Roadside assistance and towing (Optional): This policy pays costs associated with getting you back on the road if you run out of gas, lock your keys in your car, or get a flat tire.
- Rental reimbursement coverage (Optional): This coverage pays to rent a vehicle while your car undergoes repairs after a covered accident.
Your agent can help you understand your options when it's time to choose liability insurance levels and insurance coverage.
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What Is the Penalty for Driving without Insurance in Racine?
Drivers living in Wisconsin must carry a minimum amount of insurance. Otherwise, the following penalties may be enforced:
- 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 a 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. So you won't have to pursue legal remedies if you are in an accident with someone who isn't following Wisconsin's laws about auto insurance coverage.
How High Is the Auto Theft Rate in Racine?
The rate of auto theft in Wisconsin is much lower than the national average, and it's even lower in Racine.
- National auto theft rate per 1,000 vehicles: 2.37
- Wisconsin auto theft rate per 1,000 vehicles: 1.72
- Racine auto theft rate per 1,000 vehicles: 1.23
Your car is covered if it's stolen only if you choose comprehensive coverage with your auto policy.
Comprehensive coverage also handles claims for damage to your vehicle as a result of a flood, fire, fallen trees, and hail. Your agent can help you understand how adding this coverage changes your insurance premiums.
Why Work with an Independent Insurance Agent in Racine, WI?
Your independent insurance agent can help you gather multiple quotes from various insurers. You'll get the benefit of a single point of contact, and they can explain your options. A local agent understands Wisconsin's rules about auto insurance and they can help you make choices that fit your budget.
Contact an insurance agent near Racine today and get started saving money on your car insurance right away.
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