Best Way to Find Cheaper Story Car Insurance

Beginners to shopping for insurance online can find purchasing affordable Story car insurance very challenging.

It's important to price shop coverage occasionally because rates are constantly changing. Despite the fact that you may have had the lowest 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 one of the best ways to buy cheaper car insurance.

Don't pay full price with these discounts

Companies offering auto insurance don't always publicize every available discount in an easy-to-find place, so we researched some of the more common and the harder-to-find car insurance savings.

Early Switch Discount - Select companies give a discount for switching to them prior to your current policy expiring. It's a savings of about 10%.
Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
55 and Retired - If you qualify as a senior citizen, you may be able to get a discount up to 10%.
Homeowners Savings - Being a homeowner may trigger a car insurance policy discount due to the fact that maintaining a home shows financial diligence.
Passive Restraints and Air Bags - Vehicles with factory air bags or motorized seat belts can get savings up to 30%.

Keep in mind that most credits do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, it just doesn't work that way.

Your personal situation dictates your coverage

When it comes to buying the best car insurance coverage for your vehicles, there is no best way to insure your cars. Every insured's situation is different.

Here are some questions about coverages that might point out whether or not you would benefit from an agent's advice.

Does my car insurance cover rental cars?
Do I need PIP (personal injury protection) coverage in Wyoming?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
When do I need to add a new car to my policy?
Should I drop comprehensive coverage on older vehicles?
Do I have any recourse if my insurance company denies a claim?
Am I covered when driving on a suspended license?

If you don't know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

The car insurance bait and switch

Companies like State Farm and Allstate continually stream ads in print and on television. All the ads say the same thing that you can save after switching your policy. How do they all make the same claim? This is how they do it.

All the different companies have a certain "appetite" for the right customer that earns them a profit. For instance, a preferred risk could be between 25 and 40, owns a home, and has great credit. A customer who fits that profile will qualify for the lowest rates and therefore will cut their rates substantially.

Potential insureds who don't measure up to the "perfect" profile will be charged more money which usually ends up with business going elsewhere. The ad wording is "drivers who switch" not "everyone that quotes" save that kind of money. That is how insurance companies can advertise the savings. That is why you should get as many quotes as possible. Because you never know which company will give you the biggest savings.

For more Wyoming car insurance information

Additional detailed information is located at the Wyoming Insurance Department website. Consumers can file complaints about a company, read consumer alerts, and read enforcement actions against agents and companies.

The best insurance company isn't always the cheapest

We just showed you a lot of tips how to reduce car insurance prices online. The most important thing to understand is the more you quote, the better likelihood of reducing your rate. You may be surprised to find that the most savings is with a lesser-known regional company.

As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. There have been many cases where an insured cut liability coverage limits only to discover later that the small savings ended up costing them much more. Your goal should be to get the best coverage possible for the lowest price, not the least amount of coverage.

Affordable car insurance can be bought from both online companies in addition to many Story insurance agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who do not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.