Verona, WI Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Verona, 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.
Overview of Car Insurance in Verona, WI
The average cost of car insurance in Verona, WI, is $1,176. The purpose of car insurance is to protect you against financial loss in the event of an accident or any other damage. Several elements decide how much the car owners pay each month on their car insurance in Verona, WI, including the driver's credit score, age and gender, marital status, and others. Understanding how auto insurance companies use these factors to determine auto insurance rates can help you find the best deal for a lower price. You will learn in this article how much Verona, Wisconsin, car insurance costs, as well as how to negotiate a better rate.
Credit History
Auto insurance rates in Verona, WI, are determined in part by credit scores. This is because insurance companies use credit information to help predict the probability of future claims. Generally, drivers with higher credit scores are less likely to file claims, so they may be offered lower rates. For instance, in Verona, WI, automobile owners with exceptional credit scores have to pay $1,009, while those with bad credit must spend $1,918 for a car. Therefore, the higher the credit score, the lower the auto insurance rates in Verona, WI.
Age of the Driver
Age is one of the most significant factors influencing your auto insurance rates in Verona, WI. In general, the younger you are, the higher your rates will be. This is because younger drivers are considered to be more of a risk on the road. They are more likely to get into accidents, and they are more likely to get speeding tickets. Insurance companies also tend to charge younger drivers higher rates because they have less money than older drivers. For example, teenagers pay $3,816 on auto insurance in Verona, WI, whereas old drivers aged 40 years pay $1,120 on auto insurance.
Driving Habits
Auto insurers use your driving history to determine your rates because it’s a good indicator of how likely you are to have an accident. If you have a clean driving history, it means you’ve been driving for a while without getting into any accidents or getting any traffic tickets. This is a good sign to insurers that you’re a safe driver and less likely to get into an accident than someone with a history of accidents or tickets. For instance, in Verona, WI, car insurance rates for drivers who run red lights or have expired licenses have increased by +274 and +793, respectively.
Factors that can influence the cost of car insurance in Verona, 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.
- Verona, WI Auto Insurance Rates
- Verona, WI Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Verona, WI
- Multi Vehicle Insurance Savings in Verona, WI
- How Credit Score Affects Car Insurance Rates in Verona, WI
- How DUI Affects Auto Insurance Premiums in Verona, WI
- Top Auto Insurance Agents Near Verona, WI
- How Driving Violations Affect Auto Insurance Rates in Verona, WI
- Verona, WI Auto Insurance Discounts on Anti Theft Feature
Verona, WI Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Verona, WI with that of other cities in and around Verona.
| Verona | Fitchburg | Dane County | Middleton | Montrose | Shorewood Hills | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,176 | $1,178 | $1,015 | $1,192 | $1,187 | $1,399 |
Verona, 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 Verona, 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) |
|---|---|---|
| Verona | $1,583 | $1,337 |
| Montrose | $2,178 | $1,840 |
| Fitchburg | $1,424 | $1,203 |
| Springdale | $1,948 | $1,645 |
| Shorewood Hills | $2,633 | $2,224 |
| Dane County | $2,313 | $1,954 |
| Middleton | $3,657 | $3,089 |
| Belleville | $1,141 | $964 |
Verona, WI Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Verona, 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 | $3,816 |
| 20 Years | $1,511 |
| 30 Years | $1,164 |
| 40 Years | $1,120 |
| 50 Years | $1,037 |
| 60 Years | $1,051 |
| 70 Years | $1,224 |
Verona, WI Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Verona, 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 | $2,046 | $306 |
| 3 Vehicles | $3,069 | $459 |
| 4 Vehicles | $4,092 | $612 |
Savings on 2 Vehicles bundle:$306
Savings on 3 Vehicles bundle:$459
Savings on 4 Vehicles bundle:$612
Verona, 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 Verona, WI.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Verona | $1,176 | $2,264 |
| Montrose | $1,187 | $2,285 |
| Fitchburg | $1,178 | $2,268 |
| Springdale | $1,254 | $2,414 |
| Shorewood Hills | $1,399 | $2,694 |
| Dane County | $1,015 | $1,954 |
| Middleton | $1,192 | $2,295 |
| Belleville | $1,108 | $2,133 |
Verona, 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) | $1,009 |
| Excellent (740-799) | $1,152 |
| Good (670-739) | $1,225 |
| Average (580-669) | $1,599 |
| Poor (300-579) | $1,918 |
Verona, 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 |
|---|---|---|---|
| Katie Riley | State Farm | 2984 Triverton Pike Dr Ste 110, Fitchburg, 53711-5841 | 608-274-7120 |
| Aaron Perry | State Farm | 2605 Monroe St, Madison, 53711-1801 | 608-238-7107 |
| Aaron Achenbach | State Farm | 7609 Elmwood Avenue, Middleton, 53562-3134 | 608-831-AUTO |
| Independent Insurance Services, Inc | None | Po Box 44819 Madison, Fitchburg, 53744 | None |
| Wisconsin Medical Society Insurance & Financial Services Inc. | None | 330 East Lake St, Madison, 53715 | None |
| Jesus Carvajal | Farmers | 5555 Odana Rd Ste 201, Madison, 53719 | (608) 278-7055 |
| Dianne Tralmer | Farmers | 245 Horizon Dr Ste 103, Verona, 53593 | (608) 848-7559 |
| Alongi Santas Moss Insurance Agency | Travelers | 2211 CRANSTON RD, BELOIT, 53511 | 608-362-3370 |
| Hausmann-Johnson Insurance Inc | Travelers | 700 REGENT ST, MADISON, 53715 | 608-257-3795 |
| Rich Martin | State Farm | 315 East Main Street, Watertown, 53094-3708 | 920-206-0483 |
Verona, 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 | +$52 | $1,228 |
| Driver's Failure In Showing Documents | +$114 | $1,290 |
| Driving With An Expired Registration | +$121 | $1,297 |
| Driving At A Considerably Slow Pace | +$255 | $1,431 |
| Using A Cellphone While Driving | +$269 | $1,445 |
| Running A Red Light | +$274 | $1,450 |
| Speeding | +$288 | $1,464 |
| Driving A Vehicle Without The Required Permission | +$366 | $1,542 |
| Driving With An Expired/Suspended License | +$793 | $1,969 |
Verona, 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 | $1,129 |
| Active Disabling Device | $1,129 |
| Tracking Device | $1,105 |
| Passive Disabling Device | $1,094 |