Free Guide to Saving Money on Glenrock Auto Insurance Online

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Believe me, you're not the only one.

Consumers have many to buy insurance from, and although it's nice to have a selection, it can be more difficult to compare rates.

It's important to compare rates at least once a year because prices are constantly changing. Even if you got the best deal a few years ago the chances are good that you can find a lower rate today. 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 properly buy coverages and cut your premium.

Buying car insurance in Glenrock is easy if you know what you're doing. If you currently have car insurance, you will most likely be able to save some money using these methods. But Wyoming drivers do need to know the way companies price online insurance and take advantage of how the system works.

Save big with these discounts

Car insurance companies don't necessarily list all their discounts very clearly, so here is a list both well-publicized and also the lesser-known savings tricks you should be using.

Save over 55 - Mature drivers may qualify for better auto insurance rates.
Defensive Driver - Taking a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
Anti-lock Brake System - Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
Multi-car Discount - Insuring more than one vehicle on the same auto insurance policy can get a discount on all vehicles.
Service Members Pay Less - Being on active duty in the military could mean lower rates.
No Accidents - Drivers with accident-free driving histories can earn big discounts as compared to bad drivers.
No Charge for an Accident - Certain companies allow you one accident before raising your premiums as long as you don't have any claims for a certain period of time.
Passive Restraints - Factory air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
Drivers Education - Have your child complete a driver education course in school.

Consumers should know that most discount credits are not given the the whole policy. Some only reduce specific coverage prices like liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, companies don't profit that way.

To see a list of companies offering auto insurance discounts in Wyoming, click here to view.

Compare the Market for Auto Insurance in Glenrock

There are several ways of comparing price quotes from auto insurance companies in your area. The best method to find competitive insurance rates is to use the internet to compare rates. This can be done in several different ways.

The best way to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This easy form prevents you from having to do separate quotes for each company. Completing one form compares rates instantly.
A more difficult way to get quotes online is going to each company's website to request a price quote. For example, let's say you want to compare rates from , and . You would have to visit each site and enter your information, which is why the first method is quicker.

To view a list of companies in Glenrock, click here.
The least recommended method to compare rates is to waste gas driving to local insurance agencies. Buying insurance online has reduced the need for local agents unless you want the personal advice of a licensed agent. However, consumers can obtain prices from the web and still use a local agent. We'll cover that shortly.

It's up to you which method you use, but compare identical coverage limits and deductibles for each price quote. If you have different liability limits then you won't be able to truly determine the lowest rate in Glenrock. Quoting even small variations in insurance coverages may result in a large different in cost. Just keep in mind that getting more free quotes helps locate the best rates.

You have some control over your rates

An important part of buying insurance is that you know the different types of things that go into determining the price you pay for auto insurance. Knowing what controls the rates you pay enables informed choices that may reward you with better auto insurance rates.

Listed below are some of the factors auto insurance companies consider when setting rates.

Battle of the sexes - Statistics demonstrate that women are safer drivers than men. That doesn't necessarily mean that men are worse drivers. Men and women tend to get into accidents at about the same rate, but the males cause more damage. They also receive more costly citations such as DWI and reckless driving. Teenage male drivers are the most expensive to insure and therefore have the most expensive auto insurance rates.
Do you need those extra coverages? - There are many extra coverages that you can buy on your auto insurance policy. Coverages for roadside assistance, towing coverage and term life insurance may be costing you every month. They may seem like a good idea initially, but if they're wasting money eliminate them to save money.
Consolidate policies to earn discounts - Most insurers will give a discount to customers who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, it's still a good idea to compare rates to ensure the best deal. You may still be able to find a better deal by buying insurance from more than one company.
Mature drivers pay less - Teen drivers in Wyoming are statistically proven to be more careless when behind the wheel so they pay higher auto insurance rates. Older insureds are viewed as being more responsible, tend to cause fewer accidents and receive fewer citations.
Adjust deductibles and save - Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply could be collision with another vehicle, collision with an animal, and windstorm damage. Deductibles for physical damage are how much you are willing to pay if you file a covered claim. The more money you are required to pay out-of-pocket, the less your auto insurance will be.
Where do you drive? - The more miles you rack up on your car in a year the more you will pay for auto insurance. Most insurance companies apply a rate based on how the vehicle is used. Cars and trucks that are left in the garage can get a lower rate than those used for commuting. Verify your auto insurance policy shows how each vehicle is driven, because it can save money.
Safer cars are cheaper to insure - Safer cars can get you lower premiums. These vehicles reduce injuries and lower injury rates means lower claim amounts and thus lower rates.

Auto insurance ads bend the truth

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm constantly bombard you with ads on TV and radio. They all seem to make an identical promise that you'll save big if you switch to their company. How does each company make almost identical claims? It's all in the numbers.

Different companies are able to cherry pick for the driver that is profitable for them. An example of a desirable insured could possibly be between the ages of 30 and 50, has no tickets, and drives less than 7,500 miles a year. A customer getting a price quote who meets those qualifications will get very good rates and most likely will save when switching.

Drivers who fall outside these standards will have to pay higher premiums and ends up with the driver buying from a lower-cost company. The ads say "customers who switch" not "people who quote" save that much. That's the way companies can advertise the way they do. Because of the profiling, drivers must compare as many rates as you can. It's impossible to know which auto insurance company will provide you with the cheapest rates.

Do the work, save more money

When shopping online for auto insurance, it's very important that you do not reduce coverage to reduce premium. There are many occasions where an insured dropped liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your aim should be to find the BEST coverage at the best price.

Discount auto insurance can be found online and also from your neighborhood Glenrock agents, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies may not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

More detailed Wyoming auto insurance information is available at the Wyoming Insurance Department website. Wyoming consumers can learn about insurance regulations, discover disciplinary actions, read consumer alerts, and read enforcement actions against agents and companies.