Car Insurance in Dubois - 9 Discounts You Might be Missing

Paying for high-priced car insurance can overdraw your savings account and make it hard to pay other bills. Comparison shopping is free and is an excellent way to help make ends meet.

There is such a variety of to buy insurance from, and even though it's nice to have a choice, so many choices can make it hard to compare rates.

It's important to get comparison quotes quite often since rates are constantly changing. Even if you got the best price last year there may be better deals available now. Ignore everything you know about car insurance because we're going to demonstrate the only way to lower your rates without sacrificing coverage.

Wyoming car insurance

Policy discounts you shouldn't miss

Car insurance can cost a lot, but companies offer discounts that many people don't even know exist. Certain discounts will be triggered automatically when you quote, but less common discounts must be asked for before you get the savings.

  • Good Student Discount - Getting good grades can be rewarded with saving of up to 25%. This discount can apply until age 25.
  • Resident Student - Any of your kids who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • Braking Control Discount - Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Save with a New Car - Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.
  • Own a Home - Being a homeowner may earn you a small savings because owning a home is proof that your finances are in order.
  • Military Discounts - Having a family member in the military could mean lower rates.
  • Senior Citizens - Older drivers may qualify for a discount up to 10%.
  • Payment Discounts - If paying your policy premium upfront rather than paying monthly you could save 5% or more.
  • Accident Waiver - Certain companies will forgive one accident without raising rates if you are claim-free for a particular time prior to the accident.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Most only cut individual premiums such as medical payments or collision. So when it seems like all those discounts means the company will pay you, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.

For a list of providers offering car insurance discounts in Wyoming, click this link.

Free Quotes for Car Insurance in Dubois, Wyoming

The are a couple different ways to get quotes from local Dubois car insurance companies. The recommended way to compare insurance prices is to perform an online rate comparison. This can be accomplished in just a few minutes using one of these methods.

One of the best ways consumers can analyze rates is a comparison rater form (click to open form in new window). This form prevents you from having to do separate forms to each individual car insurance company. One form compares rates from several companies.

A more time consuming way to shop for car insurance online is going to each company website to complete their respective quote request forms. For sake of this example, let's assume you want comparison quotes from , and . To find out each rate you need to spend time on each company's site and enter your information, which is why the first method is more popular. For a list of links to companies insuring cars in Dubois, click here.

It's up to you how you get prices quotes, just make darn sure you compare identical coverage limits and deductibles on every quote you get. If you enter different liability limits it's not possible to determine which rate is truly the best in Dubois. Having just a slight variation in coverages could mean much higher rates. And when comparison shopping, having more price comparisons helps locate the best rates.

Insurance agents can help

When it comes to choosing the right insurance coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions may help you determine whether your personal situation will benefit from professional help.

  • Do I need to file an SR-22 for a DUI in Wyoming?
  • What are Wyoming no-fault laws?
  • Do I need PIP (personal injury protection) coverage in Wyoming?
  • Do I pay less if my vehicle is kept in my garage?
  • Can I still get insurance after a DUI?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I covered when pulling a rental trailer?

If it's difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Final considerations

We just covered some good ideas how to get a better price on car insurance. The key thing to remember is the more you quote, the higher your chance of finding lower rates. Drivers may discover the lowest priced car insurance comes from the least-expected company. These companies may cover specific market segments cheaper compared to the large companies like .

As you prepare to switch companies, it's very important that you do not sacrifice coverage to reduce premiums. There have been many cases where drivers have reduced physical damage coverage only to discover later that the small savings ended up costing them much more. Your goal should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.