Car Insurance in Pinedale - 6 Discounts to Save Money

If you are a novice to online car insurance shopping, it's easy to be confused because of the huge number of car insurance companies all offering big savings in Pinedale.

It's important to compare prices occasionally since rates are constantly changing. Even if you got the best price last year you will most likely find a better rate today. Forget anything you know (or think you know) about car insurance because I'm going to let you in on the secrets to the tricks you need to know to properly buy coverages while reducing your premium.

Policy discounts you shouldn't miss

Companies don't always advertise all their discounts in an easy-to-find place, so we took the time to find both the well known and also the lesser-known ways to save on car insurance.

  • Bundle and Save - If you have multiple policies with one company you may earn up to 20% off your total premium.
  • Braking Control Discount - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Auto/Life Discount - Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
  • Driver Safety - Completing a defensive driving course can save you 5% or more if you qualify.
  • Sign Online - Certain companies may give you up to $50 for buying your policy on their website.
  • Senior Citizens - If you qualify as a senior citizen, you may be able to get better car insurance rates.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. A few only apply to specific coverage prices like collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, you won't be that lucky.

Wyoming car insurance quotes

Insurance agents can help

When it comes to buying the right insurance coverage for your vehicles, there is no "best" method to buy coverage. Your needs are not the same as everyone else's.

For example, these questions might point out whether your personal situation might need an agent's assistance.

  • What is the difference between comprehensive and collision coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What happens if I owe more than my vehicle is worth?
  • Should I rate my vehicle as pleasure use or commute?
  • What are the financial responsibility laws in Wyoming?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does medical payments coverage apply to all occupants?

If it's difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Save $429 a year? Really?

Car insurance companies such as GEICO, State Farm and Progressive continually stream television and radio advertisements. They all seem to make the same claim about savings after switching to their company. How do they all claim to save you money? It's all in the numbers.

All companies have a certain "appetite" for the driver that earns them a profit. For example, a desirable insured might be between the ages of 30 and 50, owns a home, and has great credit. Any new insured who matches those parameters receives the best rates and is almost guaranteed to cut their rates substantially.

Drivers who don't qualify for the "perfect" profile will have to pay a higher premium which leads to the customer not buying. Company advertisements say "customers who switch" but not "drivers who get quotes" save that much. That is how companies can truthfully advertise the savings. Because of the profiling, you should get a wide range of price quotes. It's just too difficult to predict which company will give you the biggest savings.

Even more information can be found at the Wyoming Insurance Department website. Visitors are able to view agent and company licensing information, find out industry alerts, and file complaints about an insurance agent or broker.

Pinedale car insurance quote

Final considerations

As you prepare to switch companies, you should never buy lower coverage limits just to save a few bucks. In many instances, an insured cut physical damage coverage only to discover later that the small savings ended up costing them much more. The ultimate goal is to buy enough coverage at the best price.

Cheaper car insurance can be purchased both online and also from your neighborhood Pinedale agents, and you should compare price quotes from both to have the best selection. There are still a few companies who may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

Insureds change insurance companies for a variety of reasons including policy non-renewal, policy cancellation, delays in paying claims and even delays in responding to claim requests. No matter why you want to switch, finding a new car insurance company is less work than it seems.