Cheapest Auto Insurance Exclusively for Pinedale, WY Residents

Nobody looks forward to paying for auto insurance, in particular when their premiums are through the roof. Many auto insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare insurers and uncover the absolute cheapest price

Lots of discounts mean lots of savings

Companies offering auto insurance don’t always advertise all available discounts in a way that’s easy to find, so we researched both well-publicized and the more hidden ways to save on auto insurance. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

Defensive Driver – Successfully completing a defensive driving course could possibly earn you a 5% discount if your company offers it.
Discount for Life Insurance – Some companies give a discount if you purchase life insurance.
Claim Free – Good drivers with no accidents can save substantially as compared to frequent claim filers.
Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class in high school.
Sign Online – A few companies give back up to $50 for buying your policy over the internet.
Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
Good Students Pay Less – Performing well in school can save 20 to 25%. This discount can apply until age 25.

A little note about advertised discounts, some credits don’t apply the the whole policy. Some only apply to individual premiums such as comprehensive or collision. Even though it may seem like you could get a free auto insurance policy, companies don’t profit that way.

For a list of insurers offering auto insurance discounts in Wyoming, click this link.

How to Compare Pinedale Auto Insurance Costs

There are a variety of methods to compare auto insurance quotes, but there is one way that is less time-consuming than others. You could waste a few hours talking about coverages with insurance agencies in Pinedale, or you can utilize online quotes to get rate comparisons in just a few minutes.

Most car insurance companies enroll in a system that allows shoppers to complete one form, and each company can provide price quotes for coverage. This eliminates the need for quotation requests for every auto insurance company. To use this form to compare rates click to open in new window.

The one downside to using this type of form is that you can’t choose the providers you want pricing from. So if you want to select specific providers to compare rates, we have a listing of auto insurance companies in Wyoming. Click here for list of insurance companies in Wyoming.

It doesn’t matter which method you choose, just ensure you are comparing apples-to-apples information with every price quote. If you compare differing limits you will not be able to truly determine the lowest rate in Pinedale.

Smart Consumers Save More

Consumers need to have an understanding of the rating factors that go into determining your auto insurance rates. Understanding what controls the rates you pay allows you to make educated decisions that will entitle you to big savings. save money concept

Listed below are some of the factors companies use to determine prices.

Don’t let your coverage lapse – Allowing your coverage to lapse is a guaranteed way to trigger a rate increase. And not only will insurance be more expensive, but being ticketed for driving with no insurance may earn you a hefty fine and possibly a revoked license.
Small claims can cost you – If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Insurance companies in Wyoming provide discounts to drivers who do not file claims often. Your insurance policy is intended for the bigger claims that can’t be paid out-of-pocket.
Better credit scores mean better rates – Having a bad credit rating is a large factor in determining what you pay for auto insurance. Consumers who have good credit tend to be less risk to insure than drivers with poor credit. If your credit rating can use some improvement, you could be paying less to insure your by improving your credit score.
Higher deductibles cost less – Deductibles for physical damage define the amount you are required to spend out-of-pocket before a claim is paid by your company. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Examples of covered claims are running into the backend of another car, vandalism, and rolling your vehicle. The more you’re willing to pay, the bigger discount you will receive.
Big city or small town – Choosing to live in small towns and rural areas can save you money when it comes to auto insurance. Urban drivers have to deal with traffic congestion and much longer commute distances. Fewer people means fewer accidents and also fewer theft and vandalism claims.
Don’t sacrifice liability coverage – Liability insurance is the protection if a jury decides you are liable for damages from an accident. Liability provides for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not skimp.
More miles equals more premium – The more you drive in a year’s time the more you’ll pay to insure your vehicle. Most companies price each vehicle’s coverage based on their usage. Vehicles that are left in the garage can get a lower rate than those used for commuting. Verify your auto insurance policy is rated on the correct driver usage, because it can save money.

But don’t I need an insurance agent?

Certain consumers would rather buy from a licensed agent and that is a personal choice. Educated insurance agents can point out coverage gaps and give you someone to call. One of the great benefits of comparing insurance prices online is you can get better rates and still choose a local agent.

After completing this quick form, the quote information gets sent to agents in your area who will give you bids for your coverage. You don’t have to even leave your home because quoted prices will be sent to your email. It doesn’t get any easier!

Choosing an insurance company requires more thought than just a low price. Any agent should have no problem answering these questions:

If you are a high risk driver, do they have special markets for your coverage?
Are they able to influence company decisions when a claim is filed?
Is their price quote a firm figure or are their hidden costs?
Are they properly licensed to sell insurance in Wyoming?
What is the agency’s Better Business Bureau rating?
Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
Which insurance companies are they affiliated with?

If you wish to select a specific agent in Pinedale, click here to link.

Once you have received positive feedback to your questions and an affordable coverage quote, you have narrowed it down to an provider that meets your needs to properly insure your vehicles.

Do auto insurance companies bend the truth?

Consumers constantly see and hear ads for cheaper car insurance from the likes of 21st Century, Allstate and State Farm. They all make the same claim that you’ll save big if you switch your coverage to them.

But how can every company make the same claim?

All the different companies have a certain “appetite” for the right customer that earns them a profit. For instance, a preferred risk could possibly be a mature driver, owns a home, and has great credit. Any new insured who matches those parameters is entitled to the best price and most likely will save when they switch companies.

Drivers who don’t qualify for the “perfect” profile will be quoted a more expensive rate which leads to business going elsewhere. The ads say “customers that switch” but not “drivers who get quotes” save money. That’s the way companies can make those claims. This emphasizes why it is so important to get as many comparisons as possible. You cannot predict which company will give you the biggest savings.

Shop smart and save

We covered a lot of techniques to reduce auto insurance prices online. The key thing to remember is the more you quote, the more likely it is that you will get a better rate. You may be surprised to find that the best price on auto insurance is with a company that doesn’t do a lot of advertising. Regional companies may only write in your state and offer lower rates compared to the large companies like GEICO and State Farm.

When buying insurance coverage, don’t be tempted to buy poor coverage just to save money. In too many instances, consumers will sacrifice liability coverage limits and found out when filing a claim that they should have had better coverage. Your focus should be to buy enough coverage at a price you can afford, not the least amount of coverage.

For more information

More tips and info about auto insurance can be found at the Wyoming Insurance Department website. Wyoming drivers can file complaints about a company, find out industry alerts, download brochures, and read consumer alerts.