Douglas Auto Insurance For Less Than You're Paying Now

Are you intimidated by the number of auto insurance options in Douglas? Lot's of other consumers are too. Drivers have so many choices that it can turn into a big hassle to find lower rates.

It's important to compare prices every six months because prices are constantly changing. Just because you found the best deal two years ago there is a good chance you can find better rates now. Starting right now, block out anything you think you know about auto insurance because you're going to get a crash course in the proper way to find lower rates on auto insurance.

Finding affordable coverage in Douglas is not that difficult. If you currently have car insurance, you stand a good chance to be able to save some money using this information. Although Wyoming consumers do need to know the way insurance companies sell online and take advantage of how the system works.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of some of the elements that help determine the rates you pay for auto insurance. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that may reward you with better auto insurance rates.

The following are some of the factors used by your company to calculate rates.

Your spouse saves you money - Being married can get you a discount when buying auto insurance. It translates into being more responsible and it's statistically proven that being married results in fewer claims.
Don't skimp on liability - Liability coverage provides coverage if ever you are found liable for personal injury or accident damage. It provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.
Women pay lower rates - Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean women are BETTER drivers than men. Men and women have accidents at about the same rate, but the males have costlier accidents. They also get cited for more serious violations like DUI and reckless driving. Youthful male drivers are several times more likely to be in an accident and are penalized with high auto insurance rates.
Cautious drivers pay less - Your driving citation history has a big impact on rates. Drivers who don't get tickets receive lower rates compared to drivers with tickets. Just one moving violation can bump up the cost forty percent or more. Drivers who have flagrant citations such as DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.
Lower rates with optional equipment - Choosing a vehicle that has an advanced theft prevention system can help lower your rates. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart your car from being stolen.
What type of vehicle do you drive? - The performance level of the vehicle you own makes a huge difference in determining your rates. The most favorable rates are generally reserved for low performance passenger vehicles, but other factors influence the final cost greatly.

How to Compare Auto Insurance Quotes in Douglas, Wyoming

There are several ways to compare auto insurance prices and some are less labor-intensive and much quicker. You can spend your afternoon driving to insurance agencies in Douglas, or you can utilize the web for quick rates.

Most of the larger companies belong to a marketplace that allows shoppers to send in one quote, and each participating company then gives them pricing for coverage. This eliminates the need for repetitive form submissions to each individual auto insurance company.

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

The only downside to comparing rates this way is you are unable to specify which providers you want pricing from. If you prefer to choose individual companies to compare rates, we put together a list of low cost auto insurance companies in Wyoming. Click to view list.

It doesn't matter which method you choose, just ensure you are comparing apples-to-apples quote information on every quote you get. If you use mixed coverages it will be impossible to determine which rate is truly the best in Douglas. Just a small difference in coverages can result in a big premium difference. Just remember that comparing a large number of companies gives you a better chance of getting the best offered rates.

Be sure to get all your discounts

Companies that sell car insurance don't list all their discounts very well, so here is a list both the well known and the more hidden auto insurance savings.

Sign Online - Some insurance companies may give you up to $50 for buying your policy online.
Multiple Vehicles - Buying insurance for multiple vehicles with the same company could earn a price break for each car.
No Charge for an Accident - Some insurance companies permit an accident before hitting you with a surcharge as long as you don't have any claims for a certain period of time.
Discount for Good Grades - This discount can save 20 to 25%. The discount lasts well after school through age 25.
Organization Discounts - Being a member of a professional or civic organization could qualify you for a break on auto insurance.
Discount for Life Insurance - Companies who offer life insurance give a break if you buy life insurance from them.
Early Switch Discount - A few companies offer discounts for buying a policy prior to your current policy expiration. It's a savings of about 10%.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like you could get a free auto insurance policy, you won't be that lucky.

To choose companies who offer auto insurance discounts in Wyoming, follow this link.

Is there truth in advertising?

Auto insurance companies such as State Farm, GEICO and Progressive continually stream television and radio advertisements. They all seem to say the same thing about savings after switching your coverage to them. But how can every company claim to save you money?

Different companies are able to cherry pick for the type of customer that makes them money. An example of a desirable insured might be a mature driver, has no driving citations, and chooses high deductibles. A customer getting a price quote who fits that profile is entitled to the best price and is almost guaranteed to save a lot of money.

Drivers who don't measure up to this ideal profile will have to pay a higher premium which usually ends up with the customer not buying. Company advertisements say "people who switch" but not "drivers who get quotes" save that much money. That's the way companies can truthfully state the savings. Because of the profiling, you need to get quotes from several different companies. It's impossible to know which auto insurance company will give you the biggest savings.

Even more information is available at the Wyoming Insurance Department website. Visitors are able to get help finding coverage, find out which companies have the most complaints, and learn about insurance regulations.

Other informative sites include this site for Wyoming auto insurance information and see this list of insurance agents in Douglas.

Affordable insurance is out there

The cheapest auto insurance can be sourced both online as well as from independent agents in Douglas, and you need to price shop both to have the best selection. Some insurance companies don't offer online price quotes and most of the time these smaller companies sell through independent agents.

We covered a lot of tips how to compare auto insurance prices online. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. You may be surprised to find that the best price on auto insurance is with an unexpected company.

Consumers change insurance companies for many reasons like an unsatisfactory settlement offer, lack of trust in their agent, denial of a claim or even poor customer service. Regardless of your reason, finding the right auto insurance provider is easier than you think.