Getting Cheaper Lander Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me, there are many Lander consumers feeling the pinch from expensive auto insurance. Lots of contend for your business, so it can be very hard to choose a to find the absolute lowest rate

It's important to check auto insurance prices every six months because insurance rates are constantly changing. Even if you got the lowest rates last year you can probably find a better price now. So block out anything you think you know about auto insurance because you're about to learn the tricks you need to know to save money, get proper coverage and the best rates.

What determines how much you pay?

Consumers need to have an understanding of some of the elements that go into determining the price you pay for auto insurance. Understanding what impacts premium levels allows you to make educated decisions that may reward you with much lower annual insurance costs.

  • Marriage pays dividends - Having a spouse can actually save you money when buying auto insurance. It is viewed as being more responsible and it's statistically proven that being married results in fewer claims.
  • Do you know your deductibles? - Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims could be colliding with a building, damage from fire, and rolling your vehicle. Your deductibles are how much you are willing to pay before a claim is paid by your company. The higher the amount you're willing to pay, the less your auto insurance will be.
  • Bundling policies can get discounts - Most companies will give a discount to customers who consolidate policies with them. It's known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even if you're getting this discount you may still want to comparison shop to make sure you are getting the best deal. You may still be able to find a better deal by insuring with multiple companies.
  • Safer cars are cheaper to insure - Vehicles with high crash test scores are cheaper to insure. These vehicles result in less severe injuries and lower injury rates means lower claim amounts and lower rates for you.
  • Policy add-ons can waste money - There are many extra coverages that you can buy on your auto insurance policy. Coverages like rental car reimbursement, towing coverage and motor club memberships are examples of these. These may sound like a good investment at first, but if you don't need them get rid of them and save.
  • Traffic violations increase rates - Your driving citation history impacts your car insurance rates tremendously. Just one moving violation can increase rates by as much as thirty percent. Good drivers receive lower rates than bad drivers. Drivers who have serious citations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 form with their state DMV in order to continue driving.

These discounts can lower your rates

Insuring your vehicles can cost a lot, but there are discounts available that many people don't even know exist. Certain discounts will be triggered automatically at the time of purchase, but lesser-known reductions have to be asked for prior to receiving the credit. If they aren't giving you every credit possible, you are paying more than you should be.

  • Sign Online - A few companies will discount your bill up to fifty bucks for buying your policy on their website.
  • Multi-car Discount - Buying coverage for more than one vehicle with the same company could earn a price break for each car.
  • Theft Prevention Discount - Anti-theft and alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Drive Less and Save - Driving fewer miles can earn lower rates on the low mileage vehicles.
  • Defensive Driver - Successfully completing a course in driver safety could possibly earn you a 5% discount if your company offers it.
  • Discount for Good Grades - This discount can earn a discount of 20% or more. This discount can apply until age 25.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will cut the cost of coverage.

To choose companies offering auto insurance discounts in Lander, follow this link.

Are you falling for claims of savings?

Wyoming consumers can't ignore all the ads that promise big savings by companies like State Farm, GEICO and Progressive. They all seem to say the same thing about savings if you switch to them.

How do they all make almost identical claims?

Insurance companies are able to cherry pick for the type of driver that makes them money. For example, a desirable insured could possibly be between the ages of 40 and 55, has no driving citations, and has great credit. A driver who fits that profile will get very good rates and as a result will probably cut their rates substantially.

Potential customers who are not a match for the "perfect" profile will have to pay higher prices which usually ends up with the driver buying from a lower-cost company. The ads say "people who switch" not "everybody who quotes" save money. That's the way companies can truthfully advertise the savings.

Because of the profiling, you should get a wide range of price quotes. It is impossible to predict which auto insurance company will give you the biggest savings.

Learn more about Wyoming auto insurance

Additional information can be found on the website for the Wyoming Insurance Department through this link. Wyoming consumers can get help finding coverage, report car insurance fraud, read consumer alerts, and find disaster information.

And the best car insurance company is...

Cheaper auto insurance can be found online and with local Lander insurance agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who do not offer online price quotes and most of the time these regional insurance providers sell through independent agents.

As you prepare to switch companies, you should never buy poor coverage just to save money. In many cases, someone sacrificed uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. Your aim should be to find the BEST coverage at an affordable rate.

In this article, we presented many ways to save on auto insurance. The key thing to remember is the more rate comparisons you have, the higher your chance of finding lower rates. Consumers may even find the lowest priced auto insurance comes from an unexpected company. Some small companies may cover specific market segments cheaper than the large multi-state companies such as .