Antigo, WI Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Antigo, WI, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors that Affect Car Insurance Rates in Antigo, WI
The average cost of car insurance in Antigo, WI, is $1,039. Car insurance rates can vary widely depending on several factors. If you're a driver in Antigo, WI, it's important to understand what factors can impact your car insurance rates so that you can make informed decisions about your coverage. From your driving history to the type of car you drive, insurers consider several key factors when setting car insurance rates. In this article, we'll take a closer look at some of the top factors that can impact car insurance rates in Antigo, WI, so you can better understand how to manage your car insurance costs. Be sure to understand the type and amount of coverage you are getting and any limits or exclusions that may apply. Here are a few factors that help determine the cost of car insurance in Antigo, WI.
Obeying driving regulations
Obeying driving regulations is an effective way to reduce your Antigo, WI, auto insurance rate. Following traffic laws and driving safely can help you maintain a clean driving record, which is often a factor that insurance companies consider when setting rates. By avoiding accidents, traffic violations, and other risky driving behaviours, you may be able to qualify for lower insurance premiums. For example, in Antigo, WI, the cost of vehicle insurance will increase by +$700 and +$242, respectively, if a driver is caught driving with a suspended license or runs a red light.
Age of the Driver
Auto insurance rates in Antigo, WI, are typically determined based on several factors, including the driver's age. Younger drivers, typically those under the age of 25, are often considered higher-risk drivers by insurance companies and, as a result, tend to have higher insurance rates. This is because younger drivers are more likely to be involved in accidents due to inexperience or reckless driving. On the other hand, drivers over the age of 25 are often considered lower-risk and may be eligible for lower insurance rates. For instance, drivers over the age of 40 pay $989 in Antigo, WI, while teenagers pay $3371. Drivers need to compare insurance rates and policies from different providers to ensure they get the best coverage for their needs and budget, regardless of age.
Availing of multi-car discounts
If you have multiple cars in your household, you can save money on your Antigo, WI auto insurance by availing of multi-car discounts. Insurance companies often offer this discount to customers who insure multiple vehicles under the same policy, which can significantly reduce the overall premium amount. The discount amount can vary depending on the number of vehicles insured and the specific policy of the insurance provider. For example, in Antigo, WI, individuals who insure two cars are charged $1,787, whereas those who insure three cars are charged $2,681. Utilizing the multi-car discount, these individuals could decrease their Antigo, WI, auto insurance expenses by anywhere between $291 and $436.
Factors that can influence the cost of car insurance in Antigo, WI are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Antigo, WI Auto Insurance Rates
- Antigo, WI Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Antigo, WI
- Multi Vehicle Insurance Savings in Antigo, WI
- How Credit Score Affects Car Insurance Rates in Antigo, WI
- How DUI Affects Auto Insurance Premiums in Antigo, WI
- Top Auto Insurance Agents Near Antigo, WI
- How Driving Violations Affect Auto Insurance Rates in Antigo, WI
- Antigo, WI Auto Insurance Discounts on Anti Theft Feature
Antigo, WI Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Antigo, WI with that of other cities in and around Antigo.
| Antigo | Neva | Langlade County | Peck | Ackley | Rolling | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,039 | $1,383 | $1,060 | $1,406 | $1,383 | $1,203 |
Antigo, WI Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Antigo, WI based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Antigo | $1,108 | $936 |
| Rolling | $1,441 | $1,217 |
| Norwood | $1,438 | $1,215 |
| Polar | $1,318 | $1,114 |
| Neva | $1,258 | $1,062 |
| Peck | $1,551 | $1,310 |
| Ackley | $1,495 | $1,262 |
| Langlade County | $1,474 | $1,245 |
Antigo, WI Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Antigo, WI usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,371 |
| 20 Years | $1,335 |
| 30 Years | $1,028 |
| 40 Years | $989 |
| 50 Years | $916 |
| 60 Years | $929 |
| 70 Years | $1,081 |
Antigo, WI Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Antigo, WI can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $1,787 | $291 |
| 3 Vehicles | $2,681 | $436 |
| 4 Vehicles | $3,574 | $582 |
Savings on 2 Vehicles bundle:$291
Savings on 3 Vehicles bundle:$436
Savings on 4 Vehicles bundle:$582
Antigo, WI Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Antigo, WI.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Antigo | $1,039 | $2,000 |
| Rolling | $1,203 | $2,316 |
| Norwood | $1,396 | $2,688 |
| Polar | $1,091 | $2,101 |
| Neva | $1,383 | $2,663 |
| Peck | $1,406 | $2,707 |
| Ackley | $1,383 | $2,663 |
| Langlade County | $1,060 | $2,041 |
Antigo, WI Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $891 |
| Excellent (740-799) | $1,018 |
| Good (670-739) | $1,083 |
| Average (580-669) | $1,412 |
| Poor (300-579) | $1,695 |
Antigo, WI Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Tim Devoe | State Farm | 517 Memory Ln, Antigo, 54409 | 715-623-7673 |
| Mccormick-Klessig & Associates Ltd. | Erie | 522 Clermont Street, Antigo, 54409 | None |
| Wallrich Agency Inc. | None | 300 E Green Bay St, Shawano, 54166 | None |
| The Phoenix Group Of Wi Inc | Travelers | 45A S MAIN ST, CLINTONVILLE, 54929 | 715-823-6581 |
| James G Herro Agency, Llc | None | W314N7068 State Road 83 , Hartland, 53029 | None |
| Senica Omernik Agency | None | 2925 Post Road , Stevens Point, 54481 | None |
Antigo, WI Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$46 | $1,085 |
| Driver's Failure In Showing Documents | +$101 | $1,140 |
| Driving With An Expired Registration | +$107 | $1,146 |
| Driving At A Considerably Slow Pace | +$225 | $1,264 |
| Using A Cellphone While Driving | +$238 | $1,277 |
| Running A Red Light | +$242 | $1,281 |
| Speeding | +$255 | $1,294 |
| Driving A Vehicle Without The Required Permission | +$323 | $1,362 |
| Driving With An Expired/Suspended License | +$700 | $1,739 |
Antigo, WI Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $997 |
| Active Disabling Device | $997 |
| Tracking Device | $977 |
| Passive Disabling Device | $966 |