10 Tricks to Lower Car Insurance Premium in Gillette, Wyoming

People who are new to shopping for insurance online will find shopping for low-cost Gillette car insurance quite difficult.

It’s a great practice to shop coverage around once or twice a year since insurance rates are usually higher with each renewal. Just because you found the lowest price last year you can probably find a better price now. Starting now, forget all the misinformation about car insurance because you’re going to learn the easiest way to find better rates and still maintain coverage.

Get Cheaper Rates by Understanding Pricing

An important part of buying insurance is that you know the different types of things that help determine the price you pay for car insurance. Knowing what influences your rates allows you to make educated decisions that may reward you with lower car insurance prices.

• Men pay higher rates – Statistics have proven women tend to be less risk to insure than men. Now that doesn’t mean men are WORSE drivers than women. They both tend to get into accidents at a similar rate, but the men tend to have more serious accidents. Men also statistically get more serious tickets such as reckless driving.
• Higher deductibles cost less – Physical damage deductibles represent how much money you are required to spend in the event of a claim. Physical damage insurance, also known as collision and other-than-collision, covers damage that occurs to your car. Some examples of claims that would be covered could be colliding with a building, damage caused by hail, and burglary. The more the insured has to pay upfront, the lower your rates will be.
• Where you live is a factor – Living in less populated areas can save you money when talking about car insurance. Drivers in populated areas have traffic congestion and much longer commute distances. Lower population means fewer accidents as well as less vandalism and auto theft.
• Your job and insurance rates – Occupations like lawyers, executives and stock brokers tend to have the highest rates due to job stress and long work hours. On the other hand, professions such as scientists, students and retirees receive lower rates.
• Safe vehicles cost less to insure – Vehicles with good safety scores can get you lower premiums. Safe vehicles have better occupant injury protection and any reduction in injury severity means less money paid by your insurance company passed on to you as lower rates.
• Always keep insurance in force – Having an insurance coverage lapse will be a sure-fire way to bump up your car insurance costs. And not only will insurance be more expensive, but being ticketed for driving with no insurance can result in a hefty fine and possibly a revoked license.You may need to submit proof of financial responsibility or a SR-22 with the Wyoming DMV.

Take advantage of discounts

Companies that sell car insurance don’t always publicize every available discount very well, so we researched some of the more common and the more hidden discounts you could be receiving. If you don’t get every credit possible, you’re paying more than you need to.

• Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
• Defensive Driver – Successfully completing a course teaching defensive driving skills can save you 5% or more if your company offers it.
• Senior Discount – Older drivers can possibly qualify for better car insurance rates.
• No Claims – Claim-free drivers pay less when compared to bad drivers.
• Drive Safe and Save – Drivers who don’t get into accidents may receive a discount up to 45% less than drivers with accidents.

It’s important to note that some credits don’t apply to the entire cost. Most only cut specific coverage prices like liability and collision coverage. So even though they make it sound like you can get free auto insurance, you won’t be that lucky.

To choose insurance companies with discount car insurance rates in Gillette, click this link.

Beware of misleading car insurance ads

Consumers constantly see and hear ads for the lowest price auto insurance by Progressive, GEICO, Allstate and State Farm. They all make an identical promise of big savings if you move to their company.

How does each company make the same claim?

All the different companies are able to cherry pick for the driver they prefer to insure. For example, a driver they prefer might be between the ages of 30 and 50, has no tickets, and drives less than 7,500 miles a year. A customer who matches those parameters will qualify for the lowest rates and therefore will save a lot of money.

Potential customers who don’t measure up to these standards will have to pay higher rates and ends up with the driver buying from a lower-cost company. Company advertisements say “drivers who switch” but not “drivers who get quotes” save money. This is how insurance companies can state the savings. Because of the profiling, you absolutely need to get as many quotes as possible. It’s just too difficult to predict which company will provide you with the cheapest rates.

Even more information is located at the Wyoming Insurance Department website. Visitors are able to read enforcement actions against agents and companies, read state legal mandates and laws, find out industry alerts, and file complaints about a company.

Keep this in mind

We just showed you a lot of tips how to get a better price on car insurance. The key thing to remember is the more companies you get rates for, the higher your chance of finding lower rates. Consumers could even find that the biggest savings come from a company that doesn’t do a lot of advertising.

People switch companies for a number of reasons such as policy cancellation, poor customer service, delays in responding to claim requests or being labeled a high risk driver. No matter why you want to switch, choosing a new company is easier than you think.

Budget-conscious car insurance is attainable from both online companies as well as from independent agents in Gillette, and you need to comparison shop both to have the best selection. A few companies don’t offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.