9 Discounts Big Piney Consumers Forget when Buying Car Insurance

I can't think of anyone who likes having to buy car insurance, especially when they are paying too much. With so many online and local companies to choose from, it is hard for the average consumer to find the lowest price car insurance company.

Buying affordable car insurance coverage in Big Piney is simple if you know the tricks. If you are insured now or are shopping for new coverage, you will benefit by learning to get lower rates and still get good coverage. Wyoming vehicle owners just need to know the tricks to find the lowest price online.

Vehicle Insurance Comparison

Shopping for lower car insurance rates can take time and effort if you don't understand the most efficient way to do it. You can spend your afternoon driving to local insurance agents in Big Piney, or you can stay home and use online quoting to get the quickest rates.

Most of the larger companies take part in a program that enables customers to submit their information once, and every company returns a rated price based on the submitted data. This system prevents you from having to do repetitive form submissions to each individual car insurance company.

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

The only drawback to using this type of form is you don't know exactly which providers you want pricing from. So if you prefer to choose from a list of companies to receive pricing from, we have a page of the cheapest car insurance companies in Wyoming. View list of Wyoming insurance companies.

It's up to you how you get prices quotes, just be sure to compare apples-to-apples deductibles and coverage limits with each company. If each company quotes different values for each quote you will not be able to make an equal comparison in Big Piney.

Don't pay full price with these nine discounts

Insurance can cost an arm and a leg, but you may find discounts to help offset the cost. Some discounts apply automatically at the time of quoting, but lesser-known reductions have to be manually applied before you will receive the discount. If you don't get every credit you qualify for, you are paying more than you should be.

  • Homeowners Savings - Owning a home in Big Piney may earn you a small savings because of the fact that having a home requires personal responsibility.
  • Passive Restraints and Air Bags - Vehicles equipped with air bags or motorized seat belts can receive discounts of more than 20%.
  • Military Rewards - Having a family member in the military can result in better rates.
  • Braking Control Discount - Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • 55 and Retired - If you're over the age of 55, you can possibly qualify for reduced rates.
  • Organization Discounts - Belonging to a professional or civic organization could trigger savings when buying car insurance.
  • Seat Belts Save more than Lives - Buckling up and requiring all passengers to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
  • Accident Free - Good drivers with no accidents can earn big discounts when compared with accident-prone drivers.
  • Fewer Miles Equal More Savings - Keeping the miles down can qualify you for better rates on cars that stay parked.

Drivers should understand that most discount credits are not given to the entire policy premium. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like adding up those discounts means a free policy, companies wouldn't make money that way. But all discounts will help reduce your premiums.

To choose insurers with the best car insurance discounts in Wyoming, click this link.

The car insurance bait and switch

Consumers can't ignore all the ads for cheaper car insurance by companies like Allstate, GEICO and Progressive. All the companies make the same claim that you'll save big if you move to them.

But how can every company make the same claim? This is how they do it.

Insurance companies have a certain "appetite" for the type of driver that makes them money. An example of a profitable customer could be over the age of 50, a clean driving record, and has a short commute. Any new insured who matches those parameters will qualify for the lowest rates and therefore will save a lot of money.

Potential insureds who don't measure up to this ideal profile must pay more money which leads to business going elsewhere. The ad wording is "drivers who switch" not "everyone that quotes" save money. That is how companies can make the claims of big savings.

This illustrates why you need to get a wide range of price quotes. It's just too difficult to predict which company will fit your personal profile best.

Your personal situation dictates your coverage

When buying proper insurance coverage for your vehicles, there really is no "perfect" insurance plan. Every insured's situation is different so this has to be addressed. Here are some questions about coverages that may help highlight whether or not you may require specific advice.

  • When do I need to add a new car to my policy?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered when pulling a rental trailer?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need PIP (personal injury protection) coverage in Wyoming?
  • Do I have any recourse if my insurance company denies a claim?

If it's difficult to answer those questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Much more information about car insurance in Wyoming is available on the website for the Wyoming Insurance Department. Click here for link. Consumers can report car insurance fraud, find out industry alerts, view a list of available companies, and read consumer alerts.

Other informative sites include this page for Wyoming car insurance and this page for help finding agents in Big Piney, WY.

Wyoming car insurance

A tidy conclusion

Budget-conscious car insurance is possible from both online companies and with local Big Piney insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance providers do not offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

You just learned some good ideas how to compare car insurance prices online. The key concept to understand is the more rate comparisons you have, the better your comparison will be. You may even discover the biggest savings come from a lesser-known regional company. These smaller insurers may only write in your state and offer lower rates as compared to the big name companies such as .