Tightwads Guide for Saving on Afton Auto Insurance

Have you fallen victim to an underperforming, overpriced auto insurance policy? Trust us when we tell you you’re not alone. Online insurance companies like Progressive, State Farm and GEICO continually hit you with ad campaigns and it is challenging if not impossible to see through the deception and take the time to shop coverage around.

Save big with these discounts

Companies offering auto insurance don’t always list all their discounts in an easy-to-find place, so we researched both well-publicized and the more hidden auto insurance savings. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more off your medical payments premium.
  • Discount for Good Grades – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Memberships – Participating in a professional or civic organization could qualify you for a break when buying auto insurance.
  • Drivers Education – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
  • Discount for Swiching Early – Some insurance companies reward drivers for signing up before your current expiration date. The savings is around 10%.
  • Life Insurance – Companies who offer life insurance give a discount if you purchase auto and life insurance together.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Most only apply to individual premiums such as collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, you won’t be that lucky.

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

Where Can I Get Cheap Afton Auto Insurance?

All the larger auto insurance companies like Progressive, GEICO, Allstate and State Farm allow you to get coverage price quotes online. This process is quite simple as you simply enter your personal and coverage information as requested by the quote form. After you complete the form, the company’s rating system automatically retrieves your driving and credit reports and quotes a price determined by many factors. This helps simplify price comparisons, but the work required to visit a lot of sites and enter the same data into a form gets old quite quickly. But it’s very important to get many rate quotes in order to get the best price possible.

A quicker way to find better auto insurance pricing requires only one form that analyzes rates from several different companies. It saves time, helps eliminate reptitive entry, and makes online shopping a little more enjoyable. As soon as you send your information, it is rated and you are able to buy any of the pricing results. If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. The whole process just takes a couple of minutes and may result in a nice savings.

To compare rates now, click here and complete the simple form. If you currently have coverage, we recommend you complete the form with the coverage information exactly as they are listed on your policy. This way, you will have an apples-to-apples comparison for the exact same coverage.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the rating factors that help determine your auto insurance rates. Understanding what determines base rates helps enable you to make changes that could result in big savings.

The following are some of the factors that factor into premiums.

  • Little extras can really add up – There are many extra coverages that you can get tricked into buying if you aren’t careful. Things like personal injury protection, accidental death and additional equipment coverage are some examples. These coverages may sound good when you first buy your policy, but now you might not need them so remove them from your policy.
  • Higher deductibles cost less – Physical damage deductibles represent how much money you are required to spend if you file a covered claim. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some instances where coverage would apply could be colliding with a building, damage caused by hail, and burglary. The more expense you are required to pay out-of-pocket, the bigger discount you will receive.
  • How your age affects price – Older insureds tend to be more responsible, tend to cause fewer accidents and get fewer tickets. Youthful drivers tend to be careless and easily distracted when behind the wheel therefore auto insurance rates are much higher.
  • Do you have enough liability coverage? – Liability insurance will protect you in the event that a jury decides you are liable for causing damage or personal injury in an accident. Liability provides for a legal defense which can cost thousands of dollars. Liability is cheap compared to physical damage coverage, so buy as much as you can afford.
  • Women pay lower rates – Statistics have proven women tend to be less risk to insure than men. However, this does not mean women are BETTER drivers than men. They both cause accidents at about the same rate, but the male of the species have costlier accidents. Men also tend to have more aggressive citations like DUI and reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and are penalized with high auto insurance rates.
  • Allowing your policy to lapse raises rates – Letting your insurance expire is a guaranteed way to pay more for auto insurance. Not only will you pay more, failure to provide proof of insurance may earn you a license revocation or jail time.

Affordable insurance is out there

We’ve covered some good ideas how you can compare auto insurance prices online. It’s most important to understand that the more times you quote, the better your chances of lowering your rates. You may even discover the most savings is with some of the lesser-known companies. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as State Farm, GEICO and Nationwide.

When trying to cut insurance costs, you should never buy less coverage just to save a little money. There have been many situations where drivers have reduced collision coverage and discovered at claim time that it was a big mistake. Your focus should be to purchase a proper amount of coverage at an affordable rate.

Cost effective auto insurance can be bought on the web and also from your neighborhood Afton agents, so you should compare both to have the best rate selection. A few companies may not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

To learn more about auto insurance in Wyoming

Even more information is located at the Wyoming Insurance Department website. Visitors are able to discover disciplinary actions, file complaints about an insurance agent or broker, view a list of available companies, and read enforcement actions against agents and companies.

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