When it comes to auto insurance, Wyoming drivers are already ahead of the game. Not only are Wyoming auto insurance rates well below the national average, other factors like low crime rates, plenty of room on the roads, and relatively low living costs are likely to keep the going price of auto insurance low in the future. Of course, individual policies can get expensive depending on certain specific factors; if you feel like you might be paying too much for your policy, Wyoming insurance quotes are some of the most useful tools for drivers throughout the Equality State to lower their rates.
Just How Affordable Is Wyoming Auto Insurance?
The National Association of Insurance Commissioners (NAIC) keeps a tally of how much auto insurance costs throughout the country. According to the NAIC, the national average cost of an auto insurance policy is $795 a year (this takes into account all major policies and includes those who purchase only liability insurance as well as those who purchase collision and/or comprehensive coverage). In comparison, Wyoming auto insurance is a very reasonable $631 a year. These averages are, of course, helpful when comparing costs from state to state, but don't give you much to go on when comparing individual policies. This is where Wyoming auto insurance quotes are helpful.
What Wyoming Auto Insurance Quotes Can Tell You
An insurance quote is basically a very educated guess provided by an insurance company and based on a few specific pieces of information. You enter the area you live in, the amount you drive in a typical day, the make, model, and year of your vehicle, the amount of coverage you're looking for, and a few other key bits of information and the insurance company produces an estimate of how much a policy with their company will cost. Though these estimates may vary slightly from the actual rates, they are generally very accurate depictions of policy rates for your particular situation.
The great thing about quotes is: They can vary dramatically from company to company. In Wyoming, auto insurance quotes from one provider may be significantly higher or lower than those from another company. While one company may view specific risk factors like a pricey vehicle, a high local crime rate, or a blemished driving record as very important, another company may view one or all of these factors as less risky. If you feel your current auto insurance rates are too high, comparing quotes can confirm or disprove this belief.
Lowering the Cost of Wyoming Auto Insurance
Aside from comparing quotes and switching providers, there are other ways to reduce the cost of Wyoming auto insurance policies. Discounts for safe drivers, safety or anti-theft features, taking a defensive driving course, or taking out multiple policies with the same insurance company are often available in Wyoming. Auto insurance providers may even give discounts to students with good grades or mature drivers of a certain age. Discounts can vary from company to company and sometimes new discounts may be available that you don't know about, so it's a good idea to periodically discuss what's available with your provider.
Wyoming auto insurance rates can also be lowered by altering your current policy. Increasing your deductible (the amount you pay out-of-pocket when an incident occurs), lowering your policy limits (the maximum amount the insurance company can be held responsible for per incident), and/or reducing the amount of situations the insurance company is obligated to pay out for can each lower your rates. It should be noted, however, that altering your policy, while very effective at reducing your rates, can definitely lead to more out-of-pocket expenses should an accident occur.
Using NetQuote for Wyoming Auto Insurance Quotes
If you don't qualify for any additional discounts and you'd rather not alter your policy, comparing auto insurance quotes is still a viable way to find savings. The more quotes you get, the better your chances of finding a policy that costs significantly less than your current one. With NetQuote, finding Wyoming auto insurance quotes is fast and easy. Simply fill out our brief online form and let us get you multiple quotes from providers in your area. Of course, not every Wyoming driver will see quotes that are hundreds of dollars a year lower than their current policy, but since NetQuote is not only fast but free, you've really got nothing to lose (and potentially plenty to gain) by using the service.