Lena Auto Insurance Rates, Quotes, Agents & Reviews in WI

Lena, WI Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Lena, 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.

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Cheapest Car Insurance In Lena, WI

You need car insurance in Lena, WI, to protect yourself and your vehicle. If you are in an accident, your insurance will pay for the damages to your car and any injuries you may have. If you are found at fault in an accident, your insurance will also pay for the other driver's damages and injuries. Car insurance is required by law in Wisconsin, so it is important to have a policy that meets the state's minimum requirements.

In Lena, Wisconsin, car insurance costs, on average, $1,152. Auto insurance in Oak Harbor, Washington, is comparatively reasonable when compared to places like Oconto County ($1,093), Spruce ($1,409), Coleman ($1,356), Pound ($1,385), and Stiles ($1,157). Here are some ideas for finding affordable and cheap vehicle insurance in Lena, Wisconsin, if you're looking for it.

By Obeying Driving Regulations

Regarding car insurance, one of the best ways to keep your costs down is to obey all driving regulations. Car insurance rates in Lena, WI, can be reduced by obeying driving regulations. The Wisconsin Department of Transportation has put in place a number of regulations that must be followed in order to operate a vehicle safely and legally. These include speed limits, seatbelt laws, and prohibitions against driving under the influence of drugs or alcohol. By following these regulations, drivers can reduce the risk of being involved in an accident and save money on their car insurance rates. An additional $264 and $51 are added to the cost of auto insurance, respectively, for using a cell phone while driving and operating a vehicle without headlights.

Refer to the graph below to understand the auto insurance rates based on the driving violation in Lena, WI

By Opting for a Lower Deductible 

A deductible is an amount you pay out of pocket before your insurance company steps in to cover the rest of the costs. You can reduce your car insurance rates by opting for a lower deductible. The trade-off for a lower deductible is that you will have to pay more out of pocket if you have an accident. But a lower deductible could save you money on your car insurance rates if you are a safe driver and don't anticipate any casualties.

The higher the deductible, the lower the auto insurance rates in Lena, WI. In Lena, people who select a $500 low deductible pay $2006, while those who choose a $1,000 high deductible spend $1,695. Whatever deductible you decide on, bear in mind to set aside enough money to pay for it if you need to file a claim.

By Availing of Multi-Car Discounts

Multi-car discounts are available from most insurers in Wisconsin and can save you significant money on your annual premium. If you have more than one car in your household, you can usually get a discount of 10-25% off your total premium by insuring all of your cars with the same company. This can add to substantial savings, especially if you have multiple vehicles. In Lena, Wisconsin, car owners usually pay $3,007 for three vehicles and $2,004 for two cars. They may often save between $449 and $300 on car insurance in Lena, Wisconsin.

Factors that can influence the cost of car insurance in Lena, 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.

Lena, WI Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Lena, WI with that of other cities in and around Lena.

Lena Oconto County Spruce Coleman Pound Stiles
Average Insurance Rates $1,152 $1,093 $1,409 $1,356 $1,385 $1,157

Lena, 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 Lena, 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)
Lena $2,006 $1,695
Pound $1,487 $1,256
Coleman $1,441 $1,217
Spruce $2,871 $2,425
Stiles $1,424 $1,203
Oconto County $1,440 $1,216
Little River $951 $803
Oconto Falls $1,096 $926

Lena, WI Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Lena, 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 $3,738
20 Years $1,480
30 Years $1,140
40 Years $1,097
50 Years $1,016
60 Years $1,030
70 Years $1,199

Lena, WI Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Lena, 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 $2,004 $300
3 Vehicles $3,007 $449
4 Vehicles $4,009 $599

Savings on 2 Vehicles bundle:$300

Savings on 3 Vehicles bundle:$449

Savings on 4 Vehicles bundle:$599

Lena, 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 Lena, WI.

Location Average Insurance Cost Post DUI Insurance Rate
Lena $1,152 $2,218
Pound $1,385 $2,667
Coleman $1,356 $2,611
Spruce $1,409 $2,713
Stiles $1,157 $2,228
Oconto County $1,093 $2,104
Little River $1,169 $2,251
Oconto Falls $1,068 $2,056

Lena, 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) $988
Excellent (740-799) $1,128
Good (670-739) $1,200
Average (580-669) $1,566
Poor (300-579) $1,879

Lena, 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
Mcclure & Associates Insurance Inc. Erie 420 N Chestnut Avenue, Oconto Falls, 54154 None
Margie Daul State Farm 1025 Main St, Oconto, 54153-1537 920-834-5151
New Insurance Concepts Erie 631 S Grant Avenue, Sturgeon Bay, 54235 None
Michelle Holloway Liberty Mutual 1301 Lawrence Drive Suite A, De Pere, 54115 1-920-339-9103
Birr Insurance Agency None 4264 Powers Ln , Oconto Falls, 54154 None
Bill Golueke State Farm 2350 University Ave Ste 210, Green Bay, 54302-4597 920-465-0554
Aia Insurance Travelers 2149 VELP AVE 200, GREEN BAY, 54303 920-434-9400
American Advantage Insurance Group Travelers 1794 Allouez Ave , Green Bay, 54311 (920) 569-0212
American Advantage Insurance Group Travelers 1794 Allouez Ave , Green Bay, 54311 (920) 569-0212
Alliance Insurance Center Llc Travelers 3138 MARKET ST, GREEN BAY, 54304 920-330-9000
Peter Baierl Insurance & Investments Inc Liberty Mutual Independent 1345 W MASON ST, GREEN BAY, 54303 (920) 490-1022

Lena, 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 +$51 $1,203
Driver's Failure In Showing Documents +$112 $1,264
Driving With An Expired Registration +$119 $1,271
Driving At A Considerably Slow Pace +$250 $1,402
Using A Cellphone While Driving +$264 $1,416
Running A Red Light +$268 $1,420
Speeding +$282 $1,434
Driving A Vehicle Without The Required Permission +$358 $1,510
Driving With An Expired/Suspended License +$776 $1,928

Lena, 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 $1,106
Active Disabling Device $1,106
Tracking Device $1,083
Passive Disabling Device $1,071