Car Insurance in Etna - 5 Discounts You Might be Losing Out On

If online car insurance comparisons are new to you, you may be overwhelmed by the sheer number of car insurance companies all offering big savings in Etna.

It's important to do rate comparisons periodically since rates are constantly changing. Even if you got the best rates a year ago you will most likely find a better rate today. Don't believe everything you read about car insurance online, so I'm going to show you some great ways to put money back in your pocket.

Choosing the best insurance company for you in Etna is easy if you know what you're doing. If you currently have car insurance, you will be able to reduce your rates substantially using these techniques. Wyoming vehicle owners just need to know the most efficient way to shop their coverage around online.

More discounts equal less premium

Auto insurance companies don't list all their discounts very clearly, so the following is a list of both the well known as well as the least known discounts you could be receiving. If you're not getting every credit you qualify for, you are throwing money away.

  • Bundle and Save - If you have multiple policies with the same insurance company you may earn 10% to 20% off each policy.
  • Early Signing - Some insurance companies reward drivers for buying a policy prior to your current policy expiring. This can save 10% or more.
  • Anti-lock Brakes - Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • Life Insurance Discount - Select insurance companies reward you with a discount if you purchase life insurance from them.
  • Anti-theft System - Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.

Consumers should know that some credits don't apply to the entire policy premium. Some only apply to individual premiums such as collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, companies don't profit that way.

Wyoming car insurance quotes

It's not one size fits all

When it comes to buying coverage for your vehicles, there isn't really a "best" method to buy coverage. Everyone's situation is a little different.

Here are some questions about coverages that may help highlight if you might need an agent's assistance.

  • What are the best liability limits?
  • Does my car insurance cover rental cars?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When does my teenage driver need to be added to my policy?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you can't answer these questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form. It's fast, doesn't cost anything and can help protect your family.

Switch companies and save? Really?

Consumers in Wyoming get pounded daily by advertisements for cheaper car insurance by companies like GEICO, State Farm and Progressive. They all seem to have a common claim that you'll save big if you switch to them.

How does each company claim to save you money?

Different companies have a certain "appetite" for the type of driver that earns them a profit. A good example of a desirable insured might be between the ages of 30 and 50, a clean driving record, and has excellent credit. Any new insured that hits that "sweet spot" will qualify for the lowest rates and therefore will save when switching.

Potential customers who do not match these standards will have to pay higher prices and this can result in the customer not buying. The ad wording is "customers that switch" not "everyone that quotes" save money. That is how companies can make those claims. Because of the profiling, you should quote coverage with many companies. It's just too difficult to predict which company will have the lowest rates.

More detailed Wyoming car insurance information can be read at the Wyoming Insurance Department website. Visitors are able to view agent and company licensing information, file complaints about a company, and find out industry alerts.

Also read more on Wikipedia and this Etna agent directory.

Wyoming car insurance

And the best car insurance company is...

While you're price shopping online, make sure you don't buy lower coverage limits just to save a few bucks. In many instances, someone dropped full coverage and found out when filing a claim they didn't purchase enough coverage. The ultimate goal is to get the best coverage possible at a price you can afford.

We just covered a lot of ways to reduce car insurance prices online. The key thing to remember is the more rate quotes you have, the better likelihood of reducing your rate. Drivers may discover the lowest rates come from some of the lesser-known companies.

Drivers switch companies for a number of reasons such as policy non-renewal, high prices, policy cancellation and even delays in paying claims. It doesn't matter why you want to switch choosing a new insurance company is less work than it seems.