Tightwads Guide for Saving on Wyoming Auto Insurance

Having to pay for overpriced auto insurance can dwindle your checking account and force you to prioritize other expenses. Comparison shopping is a smart way to reduce premiums and put more money in your pocket.

Big companies like State Farm, Allstate, GEICO and Progressive promote their brand names with fancy advertisements and it is challenging if not impossible to sift through the bull and take the time to shop coverage around.

If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. Finding affordable coverage in Wyoming is not that difficult. Although Pennsylvania drivers do need to know how big insurance companies market on the web.

How to Get Cheap Auto Insurance in Wyoming, PA

The are a couple different ways of comparing rate quotes from local Wyoming auto insurance companies. The best method to find the cheapest insurance rates is to perform an online rate comparison. This can be done in just a few minutes using one of these methods.

The recommended way to get quotes for comparison is a comparison rater form (click to open form in new window). This method saves time by eliminating separate quote forms to each individual auto insurance company. A single, simple form gets you coverage quotes from many national carriers.
A less efficient way to shop for auto insurance online consists of going to the website of each company to complete a price quote. For sake of this example, we'll pretend you want comparison quotes from , and . To find out each rate you need to spend time on each company's site to enter your coverage information, and that's why the first method is more popular.

For a list of links to companies insuring cars in Wyoming, click here.

It doesn't matter which method you choose, just make sure you use exactly the same coverages with each company. If each company quotes different limits and deductibles on each one it will be very difficult to make an equal comparison in Wyoming. Just a small difference in coverages may cause a big price difference. And when comparing auto insurance rates, know that obtaining a wide range of quotes will increase your chances of finding lower pricing.

Policy discounts you shouldn't miss

Companies offering auto insurance don't necessarily list every discount in a way that's easy to find, so the following is a list of both well-publicized and the harder-to-find auto insurance savings.

Government Employees - Being employed by or retired from a federal job may qualify you for a discount with a few auto insurance companies.
Discount for New Cars - Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
No Accidents - Drivers who don't have accidents pay less when compared to bad drivers.
Drivers Ed for Students - Have your child successfully complete driver's ed class in high school.
Defensive Driving Course - Taking part in a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.
Save over 55 - Mature drivers can possibly qualify for better auto insurance rates.
Pay Upfront and Save - If you pay your bill all at once instead of paying each month you may reduce your total bill.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like comp or med pay. Just because you may think all those discounts means the company will pay you, you won't be that lucky.

To see a list of insurance companies with the best auto insurance discounts in Wyoming, follow this link.

Insurance agents can help

When choosing coverage for your personal vehicles, there really is not a one size fits all plan. Everyone's situation is unique and a cookie cutter policy won't apply. For example, these questions can help discover whether your personal situation might need professional guidance.

Do I have coverage for damage caused while driving under the influence?
Can I still get insurance after a DUI?
What companies insure drivers after a DUI or DWI?
Is rental equipment covered for theft or damage?
Should I rate my vehicle as pleasure use or commute?
Should I buy additional glass protection?
Who is covered when they drive my vehicle?

If you don't know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Learn more about auto insurance in Pennsylvania

Even more information can be read at the Pennsylvania Insurance Department website. Pennsylvania consumers can download brochures, file complaints about an insurance agent or broker, read industry bulletins, and view a list of available companies.