High Risk Auto Insurance Racine Wisconsin WI

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Reader’s Question:

I live in Racine Wisconsin and haven’t had insurance for about four years now. I’m getting married in six months and my fiancé’s insurance agent said that I should get insurance now, six months before the wedding, so that once we get married and I get added onto his insurance, I won’t be the reason for increasing his insurance. Now, I’m going to get insurance on a car that doesn’t have a loan on it, and I’m wondering how much insurance I need? What is the least amount of insurance I could get on my car, so that in six months I won’t be considered high risk anymore.

Phoebe

Racine, WI

You should qualify for liability insurance instead of full coverage. The actual amount of insurance you need depends on what your car is worth right now, how old it is, your past driving record and your “high-risk” label will also definitely have an effect. You need to get a few different quotes to be sure what company has the lowest rate for you.

The smartest thing for you to do is to have comprehensive/collision insurance since you started a “chain reaction” accident, you rear ended a car and it pushed that car into more cars – your minimum property damage limits will be GONE, even worse if you injure someone. You and your husband will be in big trouble as you will have to pay out of pocket when the other insurance company comes after you for what they paid out.

On the other hand, if you hit another car you’ll likely pay out a lot more money than you would have spent with proper auto coverage. If you’re going to drive the car regularly, I would suggest not taking the chance, in the long run it will save you, believe me. Also, there are many auto insurance companies in Racine Wisconsin offering free auto insurance quotes. So widen your options and look for the cheapest rate.

Tags: collision insurance coverage, comprehensive insurance coverage, high risk insurance