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.
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 Rates
- Lena, WI Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Lena, WI
- Multi Vehicle Insurance Savings in Lena, WI
- How Credit Score Affects Car Insurance Rates in Lena, WI
- How DUI Affects Auto Insurance Premiums in Lena, WI
- Top Auto Insurance Agents Near Lena, WI
- How Driving Violations Affect Auto Insurance Rates in Lena, WI
- Lena, WI Auto Insurance Discounts on Anti Theft Feature
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 |