Wisconsin Auto Insurance Companies

Reader’s Question:

What are the various factors that can affect my application for a cheap car insurance policy here in Wisconsin? Thank you!

Eric

Green Bay, WI

There are a lot of things that car insurers look into when determining the car insurance premiums for their policy holders. Essentially, these things can be classified according to the driver’s personal background, driving history, and the vehicle’s make and model.

A cheap insurance company Wisconsin will give discounts to a driver who can prove that he is defensive when on the road. If you can give a driving history with minimal traffic violations, then you stand a good chance of getting cheap car insurance. The same goes if you can give a certification from a defensive driving school vouching that you have taken defensive driving courses.

You are entitled to discounts from a cheap insurance company Wisconsin if you can prove that you have good health. If you are free from certain conditions like blurred vision or impaired hearing, then you can get cheap car insurance premiums.

Likewise, your vehicle has an effect on your application for cheap car insurance. A cheap insurance company Wisconsin gives discounts to vehicle owners who have cars with small engines like Honda Jazz, because there is decreased probability that this type of car will be involved in any traffic accident.

Car Insurance Companies in Wisconsin

Reader’s Question:

Someone told me that in the state of Wisconsin the car insurance carriers were only permitted to look back 3 years on your driving record. Is this true? I live in Kenosha Wisconsin.

Neve

Kenosha, WI

I am not aware that insurance companies can only look at your driving record for three years in Kenosha or in any part of Wisconsin.Insurance carriers generally can go back 3, 5 or 7 years to look at a person’s driving record.

Most minor moving violations stay on your record for three years while major traffic violations can remain on your record for seven years or more. Many insurance providers will look 3 years back on a driver’s record for minor infractions but will look back for major offenses, i.e. DUI, for a longer period of time, such as 7 years.

On applications for car insurance many carriers will request information on previous accidents and moving violations and indicate how long proceeding the application date they will want you to list. If they request more than 3 years back, then you will need to list the moving violation and/or accident that happened during the time frame they requested information on.