Auto Insurance in Rock Springs, WY – 7 Tips to Better Rates

Are you a victim of overpriced auto insurance? Trust us when we tell you there are lots of people in the same boat.

Popular companies such as Progressive, State Farm and GEICO persitently shower you with fancy advertisements and it is difficult to avoid their marketing magic and find the best price available.

Comparison of Auto Insurance in Rock Springs, WY

Effectively comparing auto insurance prices can be a lot of work if you don’t understand the most efficient way. You can waste a few hours (or days) talking to insurance agencies in Rock Springs, or you could use online quotes for quick rates.

Most of the best insurance companies take part in a program where insurance shoppers submit one quote, and each company can provide price quotes based on that information. This system prevents you from having to do quotation requests to each company.

To compare rates now click here to start a free quote.

The single downside to comparing rates this way is that you can’t choose the companies you will receive quotes from. So if you prefer to pick specific providers to compare rates, we have assembled a list of the cheapest auto insurance companies in Wyoming. Click to view list.

It’s up to you which method you use, but ensure you’re using identical information on every quote you get. If you have different values for each quote it’s impossible to determine the best price in Rock Springs. Having just a slight variation in coverage limits can make a big difference in price. And when quoting auto insurance, remember that comparing a large number of companies gives you a better chance of getting the best offered rates.

These seven discounts can lower your rates

Car insurance companies do not advertise all their discounts very well, so the following is a list of both the well known and the more hidden ways to save on auto insurance.

• Memberships – Affiliation with certain professional organizations may earn a discount when buying auto insurance.
• Lower Rates for Military – Being deployed with a military unit could mean lower rates.
• No Accidents – Claim-free drivers pay less when compared to drivers who are more careless.
• Life Insurance – Some companies give a break if you buy life insurance from them.
• Student in College – Kids in college who are attending college and don’t have a car can receive lower rates.
• Discount for New Cars – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
• Good Student Discount – Getting good grades can get you a discount of up to 25%. The good student discount can last up until you turn 25.

Drivers should understand that some of the credits will not apply to your bottom line cost. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Just because you may think it’s possible to get free car insurance, you won’t be that lucky.

To choose providers who offer auto insurance discounts in Rock Springs, click here to view.

Different people need different coverages

When it comes to choosing adequate coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. These are some specific questions might help in determining whether or not you will benefit from professional help.

• Is Wyoming a no-fault state?
• Do I have coverage when making deliveries for my home business?
• Do I benefit by insuring my home with the same company?
• Does my liability insurance cover pulling a trailer or camper?
• Do I have coverage when using my vehicle for my home business?
• Can I afford to pay high deductible claims out of pocket?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

Parts of your auto insurance policy

Having a good grasp of your auto insurance policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverage types found on most auto insurance policies.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as chiropractic care, nursing services, rehabilitation expenses and funeral costs. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Liability

Liability insurance protects you from injuries or damage you cause to people or other property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability can pay for claims such as medical expenses, loss of income, bail bonds and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible. Wyoming requires drivers to carry at least 25,000/100,000/15,000 but you should think about purchasing more coverage.

Collision coverage

Collision coverage covers damage to your vehicle caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as damaging your car on a curb, colliding with another moving vehicle, backing into a parked car and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your vehicle.

Due to the fact that many Wyoming drivers only purchase the least amount of liability that is required (25/100/15 in Wyoming), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive insurance

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as vandalism, fire damage and falling objects. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Shop smart and save

Throughout this article, we presented a lot of tips how to lower your auto insurance rates. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding lower rates. You may be surprised to find that the most savings is with a small local company. They can often insure niche markets at a lower cost as compared to the big name companies such as State Farm or Progressive.

Affordable auto insurance is attainable both online and also from your neighborhood Rock Springs agents, and you need to comparison shop both to get a complete price analysis. Some auto insurance companies may not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

More detailed Wyoming auto insurance information is available at the Wyoming Insurance Department website. Wyoming consumers can report car insurance fraud, find a variety of consumer forms, read state legal mandates and laws, and learn about insurance regulations.