How many points are on your driving record? In Wisconsin, drivers who accumulate 12 points within a year will have their license temporarily suspended. However, the consequences are far more reaching than that. Violations on your driving record can significantly impact your car insurance coverage – even minor ones. If you don’t know where to look for the right insurance, you could face sky-high rates. Continue reading to learn how to find the best car insurance if your record is less than perfect.
Don’t Skip Important Coverage
Far too many high-risk drivers either go without insurance because of high rates, or otherwise accept a policy with minimal coverage in order to save money. Driving without insurance can cause even more legal problems, and driving underinsured could leave you financially vulnerable. Remember, it’s not about meeting insurance requirements; it’s about protecting yourself from what lies ahead.
You do not have to be labeled a careless driver to know if you have a tendency to get traffic citations or be involved in fender benders. Some drivers and cars are simply more likely to get pulled over or be in accidents than others. The last thing you want to do is skip on important coverage. At minimum, make sure your policy includes:
- Liability protection
- Physical damage if you have a newer car or if required by your bank
- Uninsured and underinsured motorist coverage
Avoiding Insurers with High-Risk Aversion
Insurance companies are in the business of taking on risk. However, the type and degree of risk each insurer is willing to accept varies from company to company. That is why shopping for car insurance in Wisconsin can return a broad range of quotes and coverage options. One insurance company may overlook a first violation speeding ticket while another imposes a penalty rate for any violation at all.
Whether you have caused a traffic accident, have multiple minor traffic violations or were convicted of a serious offense, such as a DUI, the key is finding an insurer who is less risk-averse than others. Shopping around for coverage with an independent agent can help you quickly and easily compare rates to find the most affordable premiums with the coverage you need.
Rewards for Defensive Driving
If you are guilty of moving violations, the best car insurance could be from a company that offers you a discount on premiums in exchange for taking a defensive driving course. These classes take just a few hours and review relevant laws and safety information for drivers. If you complete and pass the program, present your certificate of completion to your carrier to receive a discount worth as much as 10-percent off your premiums with some insurers. In addition to the discount, you will also learn helpful tips for avoiding violations and improving your driving record in the future.
According to the Wisconsin Department of Transportation, if you have points on your driving record, you can receive a reduction of points if you take an approved traffic safety course. Keep in mind that you can only take this deduction once every three years. You must complete the class and notify the Wisconsin Department of Transportation to request your point reduction. If your license is suspended because you have 12, 13, or 14 points on your record, your suspension may be released upon completion of the course.
Finding the Best Car Insurance for High-Risk Drivers in Wisconsin
At Pagel & Associates Insurance Agency, we never want anyone to cut corners when it comes to insurance. Let our team show you how to find affordable rates by comparing policies, raising your deductible, and looking for important discounts that could save you cash.