How to Know You're Spending Too Much for Auto Insurance in Gillette

Scraping up a payment for overpriced auto insurance can drain your savings account and put the squeeze on your family's finances. Doing a price comparison is free, only takes a few minutes, and is a good way to help make ends meet. Companies like GEICO and Progressive constantly blast consumers with ad campaigns and it is difficult to sift through the bull and find the best price available.

If you have a policy now or need new coverage, you can use these techniques to get lower rates while maintaining coverages. Choosing the best insurance company for you in Gillette is easy if you know what you're doing. Wyoming vehicle owners just need to know the proper methods to shop their coverage around on the web.

Where Can I Get Cheap Gillette Auto Insurance?

Most major insurance companies give pricing directly from their websites. This process is pretty easy as you just enter your required coverages into the quote form. Behind the scenes, the system will obtain your credit score and driving record and returns a price quote determined by many factors. Online quotes makes comparing rates easy, but the time required to go to a lot of sites and enter the same data into a form gets old quite quickly. Unfortunately, it is important to do this in order to get a lower rate.

The easy way to compare rates

A less time-consuming method to compare auto insurance pricing uses one form that gets prices from multiple companies. It's a real time-saver, reduces the work, and makes online price comparison much more enjoyable. After sending the form, your coverage is rated with multiple companies and you can pick your choice of the returned quotes. If a lower price is quoted, you can simply submit the application and buy the policy. This process can be completed in a matter of minutes and you will know how your current rates stack up.

To find out how much you're overpaying now, click here and submit the form. If you have your current policy handy, we recommend that you enter just like they are on your policy. This way, you're receiving a fair comparison based on similar coverages.

auto insurance in Gillette

Why some people pay less for insurance in Gillette

It's important that you understand the different types of things that play a part in calculating the rates you pay for auto insurance. Having a good understanding of what controls the rates you pay allows you to make educated decisions that could result in better auto insurance rates.

  • Do you need the policy add-ons? - There are quite a few add-on coverages that you can get tricked into buying when buying auto insurance. Insurance for personal injury protection, accidental death and motor club memberships may be costing you every month. They may seem like a good idea when you first buy your policy, but if you don't need them eliminate the coverages to reduce your premium.
  • Rate your vehicle for proper use - The higher the mileage driven in a year's time the more you'll pay to insure your vehicle. Most companies charge to insure your cars based on how the vehicle is used. Cars and trucks that are left in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Verify your auto insurance declarations sheet is rated on the correct usage for each vehicle.
  • Don't sacrifice liability coverage - Your policy's liability coverage is the protection if you are found liable for damages from an accident. Liability insurance provides you with a defense in court up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not cut corners here.
  • Do you work long hours in a high stress job? - Occupations such as real estate brokers, business owners and dentists tend to pay the highest average rates because of stressful work requirements and long work hours. Other jobs such as pilots, historians and retirees have the lowest average rates.
  • Males pay more for insurance - Statistics have proven women are more cautious behind the wheel. Now that doesn't mean women are better drivers. Men and women cause accidents at a similar rate, but the male of the species tend to have more serious accidents. Men also tend to receive more costly citations like DUI and reckless driving.

More discounts equal less premium

Companies that sell car insurance don't always publicize all available discounts in a way that's easy to find, so the following is a list of both the well known as well as the least known savings tricks you should be using. If you aren't receiving every discount you deserve, you're just leaving money on the table.

  • Safety Course Discount - Taking a defensive driving course could cut 5% off your bill depending on where you live.
  • Life Insurance - Select insurance companies reward you with better rates if you take out life insurance from them.
  • Club Memberships - Being a member of a civic or occupational organization is a good way to get lower rates when buying auto insurance.
  • Accident Free - Drivers who don't have accidents pay less when compared with frequent claim filers.
  • Accident Waiver - A handful of insurance companies will forgive one accident without raising rates so long as you haven't had any claims for a certain period of time.
  • Anti-lock Brake System - Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Anti-theft System - Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
  • Military Rewards - Being on active duty in the military could be rewarded with lower premiums.
  • Good Student Discount - Getting good grades can save 20 to 25%. The good student discount can last up until you turn 25.
  • Senior Citizens - Older drivers may receive reduced rates.

Drivers should understand that most discounts do not apply to your bottom line cost. Most only apply to individual premiums such as liability and collision coverage. So despite the fact that it appears you could get a free auto insurance policy, companies wouldn't make money that way.

For a list of insurers with discount auto insurance rates in Gillette, click here to view.

It's not one size fits all

When it comes to choosing coverage for your personal vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that can help discover if you might need professional guidance.

  • Should I rate my vehicle as pleasure use or commute?
  • What happens if I owe more than my vehicle is worth?
  • Do I qualify for additional discounts?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my policy cover me when driving someone else's vehicle?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you're not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It's fast, free and can help protect your family.

More detailed Wyoming auto insurance information can be read at the Wyoming Insurance Department website. Visitors are able to discover disciplinary actions, file complaints about an insurance agent or broker, find out which companies have the most complaints, and read industry bulletins.

Wyoming auto insurance quotes

Best coverage at the best price

Budget-conscious auto insurance can be sourced both online and with local Gillette insurance agents, so compare prices from both so you have a total pricing picture. Some insurance providers do not offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

As you shop your coverage around, it's a bad idea to reduce needed coverages to save money. There are a lot of situations where consumers will sacrifice collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy enough coverage at a price you can afford while not skimping on critical coverages.