We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company with minimal coverage, and the cheapest company for drivers with bad credit in states where credit history is used to set rate prices. We collect thousands of Wisconsin zip code rates for the state's largest insurers. In most cases, it's wise to choose limits above the legal minimum and consider adding common optional coverages, such as collision insurance and comprehensive insurance. By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than they did in their teens and 20s.
Insurers offer lower rates to married drivers because they statistically have fewer accidents than single drivers, making it less risky to insure them. Read the NerdWallet guide on how to combine home and auto insurance to learn more about combined policies. Statistically, young drivers are more likely to have an accident than experienced drivers, which means that insurance companies charge them much higher contributions. An exclusive liability policy could help you save money on insurance if you don't have an expensive car and don't have a loan or lease.
Most drivers should get more than the minimum liability coverage, especially if they have an expensive car and a daily commute. If you can't take out auto insurance in the voluntary market due to driving under the influence of alcohol, accidents caused by fault, credit problems, or other circumstances, you can apply for coverage through the Wisconsin Auto Insurance Plan. Searching for cheap car insurance quotes with several insurers is the best way to find lower rates. Insurance companies generally consider drivers with previous incidents in their history and drivers with low credit ratings as higher-risk drivers and, therefore, get higher auto insurance quotes.