Tightwads Instructions on Saving on Casper Car Insurance

Are you sick and tired of being strong-armed each month for car insurance? You are no different than many other drivers in Wyoming. Lots of contend for your hard-earned dollar, so it's not easy to compare every and get the definite lowest rate

It's important to do rate comparisons once or twice a year because rates are constantly changing. Even if you got the best price a couple years back there is a good chance you can find better rates now. Forget all the misinformation about car insurance because I'm going to let you in on the secrets to the tricks you need to know to eliminate unnecessary coverages and save money.

If you have a current car insurance policy or are looking for a new policy, you will benefit by learning to get lower rates and still get good coverage. Finding affordable coverage in Casper is not that difficult. Wyoming consumers only need to know the proper way to compare company rates over the internet.

Why some people pay less for insurance in Casper

Consumers need to have an understanding of the factors that help determine your car insurance rates. Understanding what impacts premium levels allows you to make educated decisions that may reward you with better car insurance rates.

The following are a few of the "ingredients" companies use to determine rates.

Do men or women drive better? - The statistics show that men are more aggressive behind the wheel. However, this does not mean women are better drivers. Men and women have accidents in similar percentages, but the males have costlier accidents. They also get more serious tickets such as reckless driving. Youthful male drivers are the most expensive to insure and are penalized with high car insurance rates.
Optional equipment can affect rates - Driving a car with a theft deterrent system can save you a little every year. Theft prevention features like GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.
Where do you drive? - Driving more miles every year the more you will pay for car insurance. Most companies rate vehicles based upon how you use the vehicle. Cars that are left in the garage qualify for better rates compared to those used for work or business. Verify your car insurance coverage is showing the proper vehicle usage.
Little extras can really add up - There are a ton of extra bells and whistles that you can buy on your policy. Coverages like vanishing deductibles, towing coverage and motor club memberships are some examples. These may sound like a good investment initially, but if you don't need them get rid of them and save.
How's your driving record? - Your driving citation history impacts your car insurance rates tremendously. Good drivers get better rates compared to drivers with tickets. Even a single moving violation can increase rates by twenty percent. Drivers who have flagrant citations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
Your credit rating is important - Credit history is a big factor in your rate calculation. If your credit rating is not that good, you could save money insuring your by repairing your credit. Drivers with good credit tend to file fewer claims and have better driving records than drivers who have lower credit scores.
One company can mean more discounts - Many insurance companies will give a discount to policyholders who have multiple policies with them. It's known as a multi-policy discount. This can amount to 10 percent or more. Even if you're getting this discount it's still a good idea to comparison shop to make sure you are getting the best deal. You may still find better rates by insuring with multiple companies.

How to Compare Car Insurance Costs in Casper

There are several ways you can shop for car insurance but some are more efficient than others. You can spend your afternoon talking to insurance companies in Casper, or you could use online quotes to get pricing more quickly.

Most of the larger companies take part in a program that allows shoppers to submit one quote, and at least one company then gives them pricing based on the submitted data. This prevents consumers from doing quote forms to each individual car insurance company.

To submit your quote information now, click here to open in new window.

The one downside to getting quotes like this is you cannot specify which providers to receive prices from. So if you want to select individual companies to compare rates, we put together a list of companies who write car insurance in Wyoming. Click to view list.

Whichever method you choose, double check that you are using the exact same information for each comparison quote. If each company quotes higher or lower deductibles then you won't be able to determine the lowest rate in Casper.

Be sure to get all your discounts

The cost of insuring your cars can be expensive, but you may find discounts to reduce the price significantly. Some trigger automatically when you purchase, but a few need to be asked about before being credited. If they aren't giving you every credit available, you are paying more than you should be.

55 and Retired - If you're over the age of 55, you may be able to get reduced rates.
Payment Method - By paying your policy upfront instead of making monthly payments you can actually save on your bill.
Life Insurance Discount - Companies who offer life insurance give lower rates if you buy life insurance from them.
Driver Safety - Taking a driver safety course could save 5% or more if your company offers it.
Early Switch Discount - Some companies give discounts for switching to them prior to your current policy expiration. It's a savings of about 10%.
Anti-lock Brakes - Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
Anti-theft System - Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10%.

A little note about advertised discounts, some credits don't apply to the entire cost. Some only apply to specific coverage prices like liability, collision or medical payments. Just because it seems like you could get a free car insurance policy, you won't be that lucky. Any amount of discount will cut the amount you have to pay.

To choose companies who offer car insurance discounts in Casper, click here.

Is there truth in advertising?

Consumers can't ignore all the ads for the lowest price auto insurance by companies like Progressive, GEICO, Allstate and State Farm. They all seem to have a common claim about savings after switching to them.

How do they all make the same claim? It's all in the numbers.

Different companies can use profiling for the type of driver that makes them money. For example, a desirable insured could be between 25 and 40, has no tickets, and drives less than 10,000 miles a year. A customer that hits that "sweet spot" will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.

Consumers who don't measure up to the "perfect" profile will have to pay higher prices and this can result in business going elsewhere. The ad wording is "customers who switch" but not "drivers who get quotes" save money. That's why companies can truthfully advertise the way they do.

Because of the profiling, you need to compare as many rates as you can. Because you never know the company that will provide you with the cheapest rates.

Additional information can be found on the website for the Wyoming Insurance Department found here. Consumers can learn about insurance regulations, view a list of available companies, file complaints about an insurance agent or broker, and discover disciplinary actions.

Best coverage at the best price

As you go through the steps to switch your coverage, you should never reduce coverage to reduce premium. There are many occasions where an insured dropped physical damage coverage only to regret at claim time that the savings was not a smart move. Your aim should be to get the best coverage possible at the best price.

The cheapest car insurance can be purchased from both online companies and with local Casper insurance agents, so you should compare both in order to have the best price selection to choose from. Some car insurance companies do not offer online price quotes and most of the time these regional insurance providers sell through independent agents.