Never Buy Green River, WY Auto Insurance Without Knowing These Money Saving Techniques

Nobody I know cherishes buying auto insurance, especially knowing they are paying too much.

You have multiple insurance companies to purchase coverage from, and even though it’s nice to have a selection, lots of choices makes it harder to compare rates and find the lowest cost auto insurance.

More discounts equal less premium

Companies that sell car insurance don’t list every available discount in a way that’s easy to find, so the following is a list of both well-publicized and the harder-to-find ways to save on auto insurance.

  • Federal Government Employee – Active or retired federal employment can earn a discount up to 10% depending on your company.
  • Passive Restraint Discount – Cars that have air bags or motorized seat belts may earn rate discounts up to 30%.
  • Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less than less cautious drivers.
  • Multi-car Discount – Buying coverage for more than one vehicle on the same auto insurance policy may reduce the rate for each vehicle.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% off your PIP or medical payments premium.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. A few only apply to specific coverage prices like comp or med pay. So even though they make it sound like it’s possible to get free car insurance, it doesn’t quite work that way.

For a list of insurance companies with the best auto insurance discounts in Wyoming, click here to view.

Green River Rates are Influenced by These Factors

An important part of buying insurance is that you know the factors that come into play when calculating the rates you pay for auto insurance. When you know what positively or negatively influences your rates empowers consumers to make smart changes that may reward you with better auto insurance rates.

  • Your car’s features help determine rates – Owning a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your car from being stolen.
  • Do men or women drive better? – Statistics show women tend to be less risk to insure than men. However, this does not mean women are better drivers. Both sexes tend to get into accidents in similar numbers, but men have costlier accidents. Men also get cited for more serious violations like DUI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and thus pay the highest rates.
  • Never go without insurance – Letting your insurance expire will be a fast way to increase your auto insurance rates. Not only will rates go up, getting caught without coverage can result in a revoked license or a big fine.
  • Better credit scores mean better rates – A driver’s credit rating is a important factor in determining what you pay for auto insurance. People with excellent credit tend to be more responsible as compared to drivers with poor credit. If your credit rating can use some improvement, you could pay less to insure your by improving your credit score.
  • Frequent auto insurance claims increase rates – Insurance companies in Wyoming give lower rates to drivers who file claims infrequently. If you file claims often, you can definitely plan on either a policy non-renewal or much higher rates. Car insurance is designed for the large, substantial claims.
  • Your location affects your rates – Being located in a small town can save you money when insuring your vehicles. Urban drivers have to deal with traffic congestion and much longer commute distances. Less people living in that area means a lower chance of having an accident as well as less vandalism and auto theft.
  • Higher safety ratings means cheaper insurance – Cars with high safety ratings get lower rates. Safe vehicles have better occupant injury protection and any reduction in injury severity translates into fewer and smaller insurance claims and lower rates for you.
  • Teen drivers pay high rates – Teen drivers in Wyoming have a tendency to be careless and easily distracted behind the wheel so auto insurance rates are higher. Adding a young driver onto a policy can break the bank. Older drivers are more cautious drivers, tend to file fewer claims and get fewer tickets.

When might I need help?

When it comes to buying proper insurance coverage, there isn’t really a “best” method to buy coverage. Every situation is different and your policy should reflect that. For instance, these questions may help you determine if your situation might need an agent’s assistance.

  • Can I still get insurance after a DUI?
  • How much liability coverage do I need in Wyoming?
  • Does my medical payments coverage pay my health insurance deductible?
  • Should I rate my vehicle as pleasure use or commute?
  • Am I covered when delivering products for my home-based business?
  • Which companies will insure high-risk drivers?

If you can’t answer these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

But don’t I need an insurance agent?

Certain consumers just want to buy from a licensed agent. One of the great benefits of getting online price quotes is the fact that you can find lower rates and still choose a local agent.

To find an agent, once you fill out this simple form, your insurance data is emailed to local insurance agents in Green River who will return price quotes for your business. There is no reason to leave your house as quotes are delivered immediately to your email address. Now that’s easy! You’ll get the best rates AND an agent nearby.

Choosing an provider shouldn’t rely on just a low price. Some important questions to ask are:

  • Do the companies they represent have a solid financial rating?
  • Is the agency involved in supporting local community causes?
  • Is the agent and/or agency licensed to do business in Wyoming?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • Can they provide you with a list of referrals?
  • Will your rates increase after a single accident?

If you want to view licensed agents in Green River, go to this page.

Upon receiving satisfactory answers to any questions you have and an acceptable price quote, it’s possible that you found a company that can adequately provide auto insurance.

Don’t listen to company ads

Auto insurance providers like Allstate, GEICO and Progressive constantly bombard you with ads on television and other media. They all make an identical promise that you’ll save big if you switch your policy. But how can every company claim to save you money? It’s all in the numbers.

All the different companies have a certain “appetite” for the type of driver that makes them money. For instance, a desirable insured might be between the ages of 40 and 55, owns a home, and has excellent credit. Any new insured that hits that “sweet spot” gets the lowest rates and therefore will pay quite a bit less when switching companies.

Drivers who don’t measure up to this ideal profile will have to pay higher premiums and this can result in the customer not buying. The ad wording is “people who switch” not “everyone that quotes” save that much money. That’s the way insurance companies can advertise the savings. Because of the profiling, you should compare as many rates as you can. It’s just too difficult to predict which auto insurance company will fit your personal profile best.

Find out more about auto insurance

Even more information is located at the Wyoming Insurance Department website. Wyoming consumers can view a list of available companies, discover disciplinary actions, file complaints about a company, and find disaster information.

Best coverage at the best price

Affordable auto insurance is attainable online in addition to many Green River insurance agents, and you should be comparing both to have the best selection. A few companies do not provide online quoting and these regional insurance providers work with independent agents.

As you shop your coverage around, it’s not a good idea to reduce coverage to reduce premium. There have been many situations where someone sacrificed collision coverage and learned later that the few dollars in savings costed them thousands. The proper strategy is to purchase plenty of coverage for the lowest price while still protecting your assets.