Tightwads Guide for Saving on Laramie Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us, there are many people just like you.

Big companies like State Farm, Allstate, GEICO and Progressive all claim big savings with ad campaigns and it can be hard to sift through the bull and effectively compare rates to find the best deal.

If you have car insurance now, you will be able to reduce your rates substantially using these techniques. Choosing the best insurance company for you in Laramie is not that difficult. Although Wyoming vehicle owners do need to know the methods companies use to market on the web.

auto insurance in Laramie

More discounts equal less premium

Car insurance companies don't always advertise all available discounts in a way that's easy to find, so the following is a list of some of the best known as well as the least known discounts you could be receiving.

  • Fewer Miles Equal More Savings - Keeping the miles down could qualify for a substantially lower rate.
  • Club Memberships - Affiliation with a civic or occupational organization may earn a discount when buying auto insurance.
  • No Claims - Drivers with accident-free driving histories pay less when compared with frequent claim filers.
  • Drivers Ed for Students - Require your teen driver to enroll in driver's education in high school.
  • Pay Upfront and Save - By paying your policy upfront rather than paying monthly you could save 5% or more.
  • Defensive Driving Course - Completing a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
  • Anti-lock Brakes - Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.

A little note about advertised discounts, some credits don't apply to all coverage premiums. Most only apply to individual premiums such as liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, you won't be that lucky.

For a list of insurers with the best auto insurance discounts in Laramie, click here.

Compare Quotes for Laramie Auto Insurance

Most major insurance companies provide coverage price quotes online. Getting online quotes doesn't take a lot of time as you just enter the coverages you want into the quote form. Once entered, their system will obtain your driving record and credit report and returns a price quote based on many factors. Online quotes makes it a lot easier to compare rates but the time required to go to a lot of sites and type in the same information is monotonous and tiresome. Unfortunately, it is important to compare as many rates as possible if you want to find a lower rate.

A more efficient way to lower your rates requires only one form that gets prices from many companies. It's a real time-saver, requires less work, and makes rate comparisons much more enjoyable. As soon as you send your information, it gets priced and you are able to buy your choice of the quotes that you receive. If a lower price is quoted, you can simply submit the application and buy the new coverage. The whole process can be completed in a matter of minutes and you will find out if you're overpaying now.

To quickly find out how much you're overpaying now, click here and submit your coverage information. If you have your current policy handy, we recommend you input the coverages as close as possible to your current policy. This helps ensure you will have a fair comparison based on identical coverages.

The best insurance company isn't always the cheapest

The cheapest auto insurance is definitely available on the web in addition to many Laramie insurance agents, and you need to comparison shop both to get a complete price analysis. Some auto insurance companies do not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

When shopping online for auto insurance, it's not a good idea to sacrifice coverage to reduce premiums. There are a lot of situations where someone sacrificed collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy enough coverage at a price you can afford while not skimping on critical coverages.