Who Has the Cheapest Insurance Quotes for 4×4 Vehicles in Wyoming?

This would be a much shorter article if we could simply give you the name of the one auto insurance company that has the rock bottom lowest rates in Wyoming. It’s just not that simple, as there are a lot of unknown factors like the level of liability coverage you want, if you currently have coverage, and where your residence is in Wyoming. In this article, we will cover the things that cause high insurance rates and hopefully give you enough understanding to have a jump start in finding the best auto insurance.

Buying affordable insurance is easier said than done, and finding out which companies offer the cheapest insurance rates for 4×4 vehicles involves even more perseverance.

Every auto insurer has their own formula for determining prices, so we’ll take a look at the most competitive insurance companies in Wyoming. It’s a good idea to be aware that Wyoming insurance rates are calculated based on many things which can substantially decrease or increase the cost of a policy. Improving your credit rating, buying a different vehicle, or having a fender bender can cause premium changes resulting in some rates now being cheaper in comparison to the competition.

Best Insurance Companies for 4×4’s

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USAA normally has some of the best car insurance rates in Wyoming at around $650 per year. Safeco, The Hartford, GEICO, and National Farmers Union also make the cut as some of the cheapest Wyoming auto insurance companies.

As depicted above, if you buy coverage from GEICO and switched to Safeco, you may see a yearly savings of in the neighborhood of $52. Wyoming drivers with National Farmers Union could save as much as $64 a year, and State Farm insureds might lower prices by up to $87 a year.

These premium estimates are averages for all types of insureds and vehicles and do not factor in a price decrease for 4×4 vehicles. So the company that has the cheapest price for you may not even be included in the above rate chart. That point stresses why you need to get rate quotes from many companies using your own driver information and specific vehicle type.

Everyone has different tastes in autos, and the style of vehicle on the policy is one of the main factors that determines the availablility of the cheapest insurance for 4×4 vehicles in Wyoming. Vehicles with limited speed and performance, an excellent safety record, or a low likelihood of having liability claims will cost significantly less to insure than higher performance models.

The lists below features car insurance prices for the cheapest vehicles to buy insurance for.

Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Wyoming minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Estimates do not factor in specific location which can raise or lower price quotes significantly.

Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Wyoming minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Price estimates do not factor in your specific Wyoming location which can influence coverage prices greatly.

Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Wyoming minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Estimates do not factor in vehicle location which can raise or lower prices considerably.

Accidents and violations increase rates

The ideal way to earn the cheapest insurance for 4×4 vehicles in Wyoming is to drive carefully and not receive tickets or have accidents. The diagram below demonstrates how traffic citations and at-fault claims can raise car insurance rates for different age categories. The premium estimates are based on a single female driver, full coverage, $500 deductibles, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 2381,2923,3465],[‘Age 30’, 1631,2169,2713],[‘Age 40’, 1519,2061,2601],[‘Age 50’, 1327,1871,2413],[‘Age 60’, 1285,1825,2371],[‘Age 70’, 1507,2045,2593]]);var options = {title: ‘Impact of Citations and Accidents on Wyoming Car Insurance Prices’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Wyoming’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data above shows the average cost of a car insurance policy in Wyoming per year with no violations or accidents is $1,608. Add in two speeding tickets and the average cost jumps to $2,149, an increase of $541 each year. Next add one accident along with the two speeding tickets and the annual cost of insurance for 4×4 vehicles goes up to an average of $2,693. That’s an increase of $1,084, or $90 per month, just for being a little careless behind the wheel!

The example below shows how different deductible levels can increase or decrease insurance premiums when trying to find cheap insurance for 4×4 vehicles. The premiums are based on a single female driver, full physical damage coverage, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2865,2635,2381,2143],[‘Age 30’, 1989,1821,1631,1445],[‘Age 40’, 1843,1693,1519,1353],[‘Age 50’, 1613,1479,1327,1183],[‘Age 60’, 1557,1431,1285,1145],[‘Age 70’, 1813,1667,1507,1353]]);var options = {title: ‘Comparison of Deductible Levels and Car Insurance Prices in Wyoming’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The chart above illustrates that a 50-year-old driver could lower their car insurance rates by $286 a year by increasing from a $100 deductible up to a $500 deductible, or save $430 by switching to a $1,000 deductible. Even younger insureds, like the 20-year-old category, could reduce their rates up to $722 annually by using a higher deductible.

When insureds make the decision to increase the deductibles on their policy, it is a good idea to have plenty of savings on hand to allow you to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

How to get the cheapest insurance for 4×4 vehicles in Wyoming

Below you’ll find a few thrifty ideas that can help Wyoming drivers buy the cheapest car insurance.

• Do not get tickets or violations
• Improve your credit rating
• Avoid price increases by not filing claims
• Buy vehicles with five-star safety ratings
• Prevent price hikes by avoiding at-fault accidents
• Shop around for cheaper prices

The last item on the list is particularly critical, as we pointed out in this article. Prices charged by car insurance companies fluctuate constantly, so don’t be tentative to change insurance companies if you can save money. Many drivers tend to have loyalty to a certain company, but it’s not a good idea if that inflexibility results in costing you big bucks every year. Spend a few minutes and shop around and find cheaper insurance for 4×4 vehicles.