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Eau Claire Car Insurance

Eau Claire car insurance comes in a number of options. If you are looking for a new policy or if you are curious to see where your vehicle coverage rate compares in terms of price, than a five minute online search is exactly what you need. When you compare Wisconsin car insurance online, you will have instant access to a number of providers across Wisconsin so you can find the best policy for your budget without leaving your home.

Eau Claire Car Insurance Regulations

Before you compare Eau Claire automobile insurance it is a good idea to familiarize with the various terms and conditions involved in insuring your vehicle across Wisconsin. Until recently, drivers were not required by law to purchase a certain level of coverage. This was known as the Financial Responsibility Law which claims that all drivers, if found at fault for the accident, will either need to purchase coverage or have enough money to pay for any damages incurred to the other driver. However, after June 1 2010, all drivers are now required to purchase at least liability coverage for their car.

Basic coverage includes $50,000 per person and $100,000 per accident of bodily injury liability, so if the accident is your fault, then this will cover the medical expenses incurred to the other drivers. Basic coverage also includes $15,000 of property damage expenses which will pay for the property damage repairs to the other driver if you are found at fault for the accident.

Many drivers across Eau Claire, WI will also consider additional coverage options such as underinsured motorist coverage. This will pay for the costs to you if the other driver is found at fault but not adequately insured. You may also want to consider collision coverage, comprehensive coverage and personal injury protection. Collision coverage will pay for any costs to your own vehicle if it is found that the accident was your fault. Comprehensive coverage will pay for the costs to your vehicle in the event of a third party accident such as a theft, vandalism or storm. Personal injury protection will pay for any medical related costs regardless of who is found at fault for the accident. This includes compensation for medical and surgical costs, rehabilitation and loss of income if unable to work.

Temporary Car Insurance Options

Most drivers will insure their cars on an annual basis. What this means is that you pay a premium once a year and will be insured for the entire year. You do not have to worry about changing your policy or making monthly payments under an annual Eau Claire vehicle insurance policy. However, you might want to consider temporary Eau Claire car insurance in some situations, and check out useful car insurance tips on why temporary plans might suit you best.

Temporary coverage in Eau Claire allows you to insure your car for time periods than are less than one year. One of the biggest benefits to temporary Eau Claire auto insurance is that it allows you to only pay for when you drive. You can choose temporary coverage for one day, one week, one month, etc. If, for example, you do not drive your car during the summer, then you might want to consider temporary coverage for only eight months of the year. If you attend school during the year and only need to insure your car when you are home from college, then temporary coverage can save you a lot of money in the long run.

If you are considering temporary Eau Claire car insurance, be sure to compare rates often to get the best auto insurance quotes. One of the reasons to compare rates as often as possible is because rates across Eau Claire, WI will fluctuate on a monthly basis. The average car insurance rates in Wisconsin are an incredible 24 percent lower than 2009 rates. When you are looking for car insurance quotes, the best way to save is to compare what is out there. You don't know what you are missing out on until you search and find out.

Vehicle Insurance Quotes Online

Get the best deals and discounts online for your specific coverage needs. Every Eau Claire provider is different which means you could be missing out on an Eau Claire car insurance discount on your premium simply because you are insuring with the wrong company. While some companies in Eau Claire will offer discounts to mature drivers, others will specialise in insuring young drivers or established families. When you compare Eau Claire car insurance, be sure to compare more than just the price quotes. Finding a good price is important but you also want to be confident in your provider. Consider customer service, testimonials and experience when you are insuring your car and comparing agencies in and across Eau Claire, WI.

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