Newcastle, WY Auto Insurance Buying Tips You Aren’t Supposed to Know

I can’t think of anyone who likes paying for auto insurance, particularly when the cost is too high. Many insurers compete to insure your vehicles, so it can be very hard to choose a insurance company and get the definite lowest rate possible.

You should take the time to price shop coverage before your policy renews because rates are variable and change quite frequently. Just because you had the lowest rates six months ago a different company probably has better rates today. There is too much inaccurate information about auto insurance online but I’m going to show you some great ways to put money back in your pocket.

If you are insured now or are shopping for new coverage, you can use these tips to shop for the lowest rates and possibly find even better coverage. Finding the best rates in Newcastle is quite easy. Wyoming drivers only need to know the proper methods to compare rates over the internet.

Which Auto Insurance is Cheapest in Newcastle, WY?

There are a variety of methods you can shop for auto insurance but one way is more efficient than others. You can spend countless hours talking about coverages with insurance companies in Newcastle, or you could save time and use online quoting to accomplish the same thing much quicker.

Many insurance companies take part in a program where insurance shoppers enter their policy data once, and every company provides a quote based on that data. This eliminates the need for quote forms for each company you want a rate for. To compare pricing click here to start a free quote.

One minor caviat to pricing coverage this way is that you can’t choose which insurance companies you want to price. If you would rather choose specific providers to compare rates, we have a page of the cheapest auto insurance companies in Wyoming. Click here for list of insurance companies in Wyoming.

It’s up to you how you get prices quotes, just ensure you’re using identical information for each comparison quote. If you enter higher or lower deductibles you will not be able to make a fair comparison in Newcastle.

Is there deception in advertising?

Wyoming drivers can’t ignore all the ads that promise big savings from the likes of GEICO, State Farm and Progressive. They all seem to make the same claim about savings if you change your coverage to them.

But how can every company say the same thing? It’s all in the numbers.

Different companies have a preferred profile for the type of driver that earns them a profit. A good example of a driver they prefer could possibly be between the ages of 40 and 55, has no driving citations, and has great credit. A customer who fits that profile gets the lowest rates and is almost guaranteed to save when they switch companies.

Drivers who don’t qualify for these standards must pay higher rates which usually ends up with the customer not buying. Company advertisements say “people who switch” but not “drivers who get quotes” save that kind of money. That’s the way insurance companies can confidently state the savings.

This illustrates why you absolutely need to get a wide range of price quotes. It’s not possible to predict the company that will fit your personal profile best.

Are you getting all your discounts?

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that can drop the cost substantially. Larger premium reductions will be automatically applied at the time of purchase, but lesser-known reductions have to be requested specifically prior to receiving the credit. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

• Discount for Life Insurance – Larger companies have a break if you buy a life insurance policy as well.
• Clubs and Organizations – Belonging to a professional or civic organization could trigger savings on auto insurance.
• Driver Safety – Completing a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
• Federal Employees – Employees or retirees of the government could cut as much as 10% off with select insurance companies.
• Accident Free – Drivers who don’t have accidents can save substantially when compared to frequent claim filers.
• 55 and Retired – Older drivers may qualify for a small decrease in premiums.

It’s important to understand that some credits don’t apply to your bottom line cost. The majority will only reduce specific coverage prices like liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, it doesn’t quite work that way. Any amount of discount will reduce the amount you have to pay.

For a list of insurers who offer auto insurance discounts in Newcastle, follow this link.

Can’t I compare rates from local Newcastle agents?

Certain consumers just want to get advice from a local agent and there is nothing wrong with that. Licensed agents can answer important questions and help you file claims. The biggest benefit of comparing insurance prices online is you may find lower rates but also keep your business local. And providing support for small agencies is definitely important in Newcastle.

To help locate an agent, after submitting this quick form, your insurance data is transmitted to insurance agents in Newcastle who will return price quotes to get your business. There is no need to leave your house because quoted prices will be sent straight to your inbox. How cool is that?!

To contact a specific insurance agent in Newcastle, please click here.

Choosing an insurer should depend on more than just the premium amount. Any agent should have no problem answering these questions:

• Is assistance available after office hours?
• Which insurance companies are they affiliated with?
• Do they receive special compensation for putting your coverage with one company over another?
• Can they give you a list of client referrals?
• How long has their agency been open in Newcastle?
• Is their price quote a firm figure or are their hidden costs?
• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?

Upon getting answers to your satisfaction to all your questions in addition to an acceptable price estimate, you’ve probably found a company that can service your policy.

When should I talk to an agent?

When choosing the right insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Each situation is unique so your insurance should reflect that For example, these questions can help discover if you might need professional guidance.

• I don’t drive much so do I pay less?
• Can I afford low physical damage deductibles?
• Does having multiple vehicles earn me a discount?
• Do I have coverage for damage caused while driving under the influence?
• Does my liability insurance cover pulling a trailer or camper?
• Do no-fault laws apply in Wyoming?
• Is a new car covered when I drive it off the dealer lot?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Additional auto insurance information can be found on the website for the Wyoming Insurance Department through this link. Wyoming consumers can read state legal mandates and laws, learn about insurance regulations, find a variety of consumer forms, and file complaints about a company.

Additional helpful sites include this page for auto insurance prices in Wyoming and this link which helps you find a Newcastle agent.

What is YOUR best insurance company?

When trying to cut insurance costs, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many cases, someone sacrificed collision coverage only to regret they didn’t purchase enough coverage. The proper strategy is to find the BEST coverage at an affordable rate while not skimping on critical coverages.

We’ve covered many ideas to lower your auto insurance rates. The key thing to remember is the more price quotes you have, the higher your chance of finding lower rates. Consumers could even find that the most savings is with a small mutual company. Regional companies may only write in your state and offer lower rates than their larger competitors like GEICO and State Farm.

Low-cost auto insurance is attainable online and with local Newcastle insurance agents, and you need to price shop both to have the best rate selection. Some auto insurance companies do not offer online quoting and these small, regional companies work with independent agents.