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What Does High-Risk Insurance Cover?

OnQuote Insurance has years of experience working with a variety of different claim types and will strive to ensure that you’re satisfied in Wisconsin. For example, if you’re a high-risk driver, it’s critical to know what this label means and what kind of problems it can cover. 

What is High-Risk Insurance?

High-risk insurance is designed for people whom insurers think are more potentially dangerous than others. They’ve shown behavior or fall under specific headings that make insuring them a little trickier. It covers the same kind of things that other insurance policies do but has varying pricing models.

Things That Might Cause a High-Risk Status

Most drivers never get put on a high-risk insurance status, which is great if you’re trying to avoid unnecessary expenses. However, it may happen if you make one or more mistakes. These can greatly impact your insurance status and make you high risk. These include:

  • Having multiple accidents on your record (especially at fault)
  • Traffic violations, particularly DUI or DWI
  • Multiple claims for comprehensive repairs 
  • Little driving experience (such as when a teen)
  • Letting your insurance lapse
  • Lacking insurance on previous vehicles 

Note that your status as a high-risk driver is likely to last between 3-5 years, depending on multiple factors. You can get off the high-risk list as long as you consistently show excellent driving skills, avoid getting tickets or fines, and keep your policy up to date throughout the year.

We’re Here for You!

Getting help from OnQuote Insurance can help Wisconsin residents get the insurance they need for their vehicles. We’ll help you identify high-risk policies when you fall under this heading and work with you once you’re off to ensure you get the protection that you need for your vehicle.

How Distracted Driving in Dairyland Can Affect Your Wisconsin Auto Insurance

Drivers can quickly become distracted by the natural beauty and scenery driving along picturesque Dairyland roads. Distracted driving can significantly impact your auto insurance rates when accidents occur. 

OnQuote Insurance in Wisconsin can help you protect your auto and finances when accidents happen. 

What is Distracted Driving?

Distracted driving doesn’t always result in an accident. Any activity that diverts a driver’s attention away from the road and pays attention to road safety can be considered distracted driving. 

Texting while driving down the road, talking on the phone, or holding the phone with your ear while you’re behind the wheel are typical examples of distracted driving in Dairyland. Other examples of distracted driving include falling asleep at the wheel or watching your favorite television show on your smartphone while cruising down Wisconsin roads. 

According to reports, distracted driving in Wisconsin has led to numerous vehicle accidents, and understanding its impacts can help prevent accidents and reduce the effects on your auto insurance premiums. 

Distracted Driving Can Affect Your Insurance Premiums

Did you know that repeated instances of distracted driving on your record can affect your auto insurance premium? Insurance scoring models take your driving record into account when determining your premium. Drivers with records showing them frequently engaged in distracted driving events and automobile accidents are more likely to be labeled as "high-risk" drivers, which can lead to increased premiums. 

Avoid getting hit with Wisconsin state penalties and fines for distracted driving by paying closer attention when you’re behind the wheel. 

Have more questions about how distracted driving affects your auto insurance?

Talk to our licensed insurance agents at OnQuote Insurance. Learn how to avoid distracted driving penalties and your Wisconsin auto insurance coverage options, and get a quote today! 

What type of auto insurance covers damage from non-moving accidents or situations?

Auto insurance is designed to meet a wide variety of situations, from traffic accidents to damage from poor weather conditions. As a driver, you’re required to carry auto liability insurance to drive in most states.

However, there are situations that may require more than just auto liability insurance as coverage. If you’re a driver that is hit by another car and they don’t have insurance, collision auto insurance pays for the damage that your car incurs. Auto insurance has coverage designed to suit different needs, situations, and circumstances.

Our OnQuote Insurance team is committed to helping Wisconsin drivers get the auto insurance they need to suit their unique situation. 

What type of auto insurance covers damage from non-moving accidents?

Comprehensive auto insurance provides coverage for the repair or replacement of your car if it’s damaged as a result of a non-moving accident. This means that comprehensive coverage will pay for damage or replace your car if something happens to it that doesn’t involve a collision. For example, if your car is damaged as a result of flooding and/or your car is vandalized or stolen, comprehensive coverage will cover this. If a tree falls on your car and damages it or totals it, comprehensive coverage will pay for the repair or replacement of your car.

However, comprehensive coverage can apply to more situations as well. Fire, theft, inclement weather, flooding, as well as other situations are examples of what comprehensive auto insurance covers. 

Looking for Insurance in Wisconsin?

If you have questions about auto insurance, we can answer them. Call us at OnQuote Insurance. We’d be happy to help you explore your options. 

Safe Driving Tips For New Drivers

As a new driver, safety should be your top priority while on the road. While it may be tempting to flaunt the newfound freedom that comes with finally being able to drive, it is important to remember that driving can be dangerous if you don’t take proper precautions.

Here are some tips from us at OnQuote Insurance for staying safe on the roads, whether you are in Arizona, Wisconsin, or Illinois where we serve our clients with auto insurance and other coverages. 

Safe Driving Tips For New Drivers

1) Stay alert and focused

Distracted driving is one of the biggest causes of accidents, so make sure you keep your eyes and mind on the road at all times. Put away any cell phones or other devices that could divert your attention from the task at hand.

2) Practice defensive driving

Anticipate what other drivers may do and always have an “escape route” in case something unexpected happens. Defensive driving will help you avoid potentially dangerous situations.

3) Be aware of your surroundings

Keep an eye out for potential hazards such as pedestrians, cyclists, animals, etc., and use caution when passing them. Also watch out for road conditions such as potholes or slick surfaces that could cause problems.

4) Respect traffic laws

This means not only following speed limits but also observing stop signs, yield signs, and any other traffic laws specific to your area. Breaking these laws can result in hefty fines or even jail time in some cases.

Get or Update Auto Insurance For Your Vehicle Today

These are just a few tips for staying safe as a new driver; there are plenty more that we encourage you to research and learn about! Driving can be an exciting experience–just remember to remain alert and practice defensive driving at all times! You also need to make sure your auto insurance policy is updated to meet all your coverage needs. 

For more safe driving tips and to maximize your insurance policy, call us at OnQuote Insurance today. We proudly serve all of Arizona, Wisconsin, and Illinois. 

My car is paid for. Do I still need auto insurance?

All drivers are required to carry liability insurance regardless of whether their car is paid off or not. However, if you’ve been paying for full coverage auto insurance and want to reduce your coverage to liability only, you should consider a few factors first.

Our team at OnQuote Insurance knows that navigating auto insurance may be a bit confusing for our Illinois customers. However, we’re here to cut through the confusion. 

As a General Rule of Thumb…

It’s usually recommended that insurance drops or decreases after your car’s mileage hits 100K and your car is five to six years old. However, how much auto insurance you invest after your car is paid off should be determined by your car’s value and the cost of parts. For example, if you drive an expensive car, it may be in your best interest to invest in full coverage because your car still has significant value and the replacement parts are expensive.

Many people would be unable to pay for the repair of an expensive car out of pocket. Full coverage insurance provides more benefits because your insurance policy would pay for the repair of your car.

Conversely, if you own an old car whose value has dwindled considerably, investing in full coverage auto insurance wouldn’t be wise. More than likely, there’s a good chance that the deductible will exceed the value of the car, totaling your car if you’re in an accident. In this scenario, the state-required liability insurance would probably be a wiser choice. 

However, rather than puzzling over how much auto insurance would be adequate for your unique situation, it’s best to get help from professional insurance agents.

Give Us A Call

Our team at OnQuote Insurance in Illinois could help you explore your options and decide on coverage that suits your needs. Call us if you have questions. We’d be happy to eliminate the confusion. 

Why is Auto Insurance Important in Illinois?

Auto insurance is one of the most important aspects of owning a vehicle. If you don’t have auto insurance, you may find yourself liable for any damage your car causes to other people or property. Drivers in Illinois are required to have auto insurance, and there are several reasons it’s essential to have coverage.

The Law Requires Auto Insurance in Illinois

In Illinois, all drivers are required to have auto insurance. This is because auto insurance provides financial protection if you cause an accident. If you’re involved in an accident and don’t have insurance, you may be held liable for any damages your car causes. OnQuote Insurance can help you find the best auto insurance policy to meet the legal requirements in Illinois.

Vehicle Insurance Can Help With Medical Expenses

If you’re injured in an accident, your vehicle insurance policy may help pay for your medical expenses. Most vehicle insurance policies include personal injury protection (PIP) coverage. This coverage helps pay for your medical expenses, regardless of who is at fault in the accident.

Auto Insurance Can Help With Property Damage

If your car causes damage to someone else’s property, your vehicle insurance policy may help pay for the damages. Most vehicle insurance policies include property damage liability coverage. This coverage helps pay for the repairs or replacement of someone else’s property if you’re at fault in an accident.

Auto Insurance Can Help With Legal Expenses

Most vehicle insurance policies include legal expense coverage. If you’re involved in a legal dispute after an accident, your vehicle insurance policy may help pay for your legal expenses. Make sure you have the policy you need to protect yourself and your car.

If you’re looking for auto insurance in Illinois, be sure to contact OnQuote Insurance. We offer various coverage options, including personal injury protection, property damage liability, and legal expense coverage. Contact us today to get started.

Is Auto Insurance Required in Illinois?

If you have a vehicle, you know that you’ll likely need to have some form of insurance. New drivers in Illinois may not know for sure what insurance they’ll need. It can help to talk to an agent from OnQuote Insurance about what’s required in your situation. 

Auto Insurance in Illinois 

Do you need to have automobile insurance in Illinois? The short answer is yes. You are required to have basic liability insurance in an amount that’s appropriate for your vehicle. This protects you in the event that you get into an accident. 

At Fault Insurance 

Illinois goes by a fault system that means the individual who is considered to be an adult for causing the auto accident will be responsible for compensating people who were harmed in the crash. The at-fault party should have adequate insurance that will cover such losses up to the limits of their policy. They will be responsible for the costs of vehicle damage and compensation for injuries and other losses that arise from the accident. 

Auto Insurance Claims in Illinois 

In this state, the individual who has been injured or suffered damage from an auto accident can do one of the following things: 

  • File a claim with their insurance provider (as long as the loss is something that would be covered under their policy), after which the company likely will initiate a subrogation claim against the at-fault driver’s insurance provider
  • File a third-party claim directly with the insurance company of the at-fault driver
  • File a personal injury lawsuit against the at-fault individual in civil court 

When you want quality auto insurance and to know you’re getting the appropriate coverage for your needs, consider OnQuote Insurance of Illinois. We’ll help make it an easier process to get the insurance you need.