Wasting Money on Auto Insurance in Kemmerer Wyoming? Here’s How to Save!

Sick and tired of trying to scrape together enough money to pay your car insurance bill each month? You are no different than many other Wyoming drivers. Big-name insurance companies like State Farm, Allstate, GEICO and Progressive all promote huge savings with catchy ads and it is difficult to ignore the flashy ads and take the time to shop coverage around.

If you are insured now or need new coverage, you will benefit by learning to cut your premiums and still get good coverage. Finding affordable coverage in Kemmerer is quite easy. Wyoming vehicle owners just need to learn the proper way to compare rates on the web.

Policy discounts you shouldn’t miss

Car insurance companies do not advertise every available discount very clearly, so we break down some of the more common and also the lesser-known ways to save on auto insurance. If you’re not getting every credit available, you’re paying more than you need to.

• Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
• Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can qualify for discounts of 20% or more.
• Braking Control Discount – Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
• Early Signing – A few companies offer discounts for switching policies before your current policy expires. This can save 10% or more.
• Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off with select insurance companies.
• Student in College – Children living away from home attending college without a vehicle on campus may qualify for this discount.
• Senior Discount – If you qualify as a senior citizen, you may receive reduced rates.
• Homeowners Pay Less – Being a homeowner may earn you a small savings because owning a home is proof that your finances are in order.
• Claim Free – Drivers with accident-free driving histories can save substantially as compared to frequent claim filers.
• Defensive Driving Course – Taking part in a course in driver safety could cut 5% off your bill if you qualify.

It’s important to understand that some credits don’t apply to the overall cost of the policy. Most only reduce specific coverage prices like collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, companies don’t profit that way.

Finding Auto Insurance in Kemmerer, WY

All major auto insurance companies quote coverage prices online. Getting quotes doesn’t take a lot of time as you simply type in the amount of coverage you want into a form. Upon sending the form, the system automatically orders reports for credit and driving violations and returns pricing information. Quoting online helps simplify price comparisons, but the process of having to visit several different sites and enter the same data into a form is not the best way to spend an afternoon. Unfortunately, it is important to have as many quotes as possible if you are searching for the lowest possible prices on auto insurance.

The quickest way to compare auto insurance pricing uses one form that gets prices from more than one company. This type of form saves time, reduces the work, and makes comparison shopping much simpler. As soon as the form is sent, it is quoted with multiple companies and you can pick your choice of the pricing results. If the quotes result in lower rates, you simply finish the application and buy the new coverage. This process takes 15 minutes at the most and may result in a nice savings.

To quickly find out how much you can save on auto insurance, click here to open in new window and complete the simple form. If you currently have coverage, we recommend you copy as close as possible to your current policy. Doing this guarantees you are getting rate comparison quotes for exact coverage.

Rate influencing factors

An important part of buying insurance is that you know the different types of things that play a part in calculating the rates you pay for auto insurance. Having a good understanding of what impacts premium levels allows you to make educated decisions that can help you get better auto insurance rates.

Shown below are some of the items companies use to determine your rates.

• Lower rates with optional equipment – Driving a car that has an advanced theft prevention system can help bring down rates. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your car from being stolen.
• High performance equals high price – The performance level of the vehicle you are buying insurance for makes a significant difference in determining your rates. Economy passenger models generally receive the lowest base rates, but the cost you end up paying is determined by many additional factors.
• Add-on coverages can add up – There are quite a few additional coverages you can purchase if you aren’t careful. Coverages like rental car reimbursement, better glass coverage and term life insurance may be costing you every month. They may seem like a good idea when talking to your agent, but if they’re wasting money get rid of them and save.
• Lower deductibles cost more – Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply are collision with another vehicle, damage from fire, or theft. Physical damage deductibles are how much you are willing to pay before a claim is paid by your company. The more money you are required to pay out-of-pocket, the less your auto insurance will be.
• Rates may be lower depending on your job – Careers like judges, social workers and financial analysts tend to have higher average rates due to high stress levels and long work hours. Conversely, professions such as actors, engineers and retirees receive lower rates.
• High credit ratings translate to low rates – Your credit history is a important factor in determining what you pay for auto insurance. If your credit rating is not that good, you could save money insuring your by improving your credit score. Consumers who have high credit scores tend to be less risk to insure than drivers who have lower credit scores.
• A lapse in coverage is a bad thing – Letting your insurance expire is a sure-fire way to increase your auto insurance rates. Not only will rates go up, but not being able to provide proof of insurance can result in a revoked license or a big fine.

When should I use an insurance agent?

When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions may help you determine whether you may require specific advice.

• Am I covered when driving on a suspended license?
• Are my friends covered when driving my vehicle?
• Why is insurance for a teen driver so high in Kemmerer?
• Is Wyoming a no-fault state?
• Will I be non-renewed for getting a DUI or other conviction?
• I have good health insurance, so how much medical payments coverage do I need?
• What are the best liability limits?
• Should I sign the liability waiver when renting a car?
• When do I need to add a new car to my policy?
• Can I drive in Mexico and have coverage?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Car Insurance through a local agent

Some consumers prefer to sit down with an agent and that is OK! Good agents are trained to spot inefficiencies and help in the event of a claim. One of the best bonuses of price shopping on the web is you can get the best rates and still choose a local agent.

After completing this form (opens in new window), your information is submitted to local insurance agents in Kemmerer who will compete to get your business. There is no need to even leave your home since price quotes are sent to your email. How’s that for easy!

Selecting an insurance company shouldn’t rely on just a cheap price. These questions are important to ask:

• Are you getting all the discounts the company offers?
• If you have an accident, will your rates go up?
• Is the agent and/or agency licensed to do business in Wyoming?
• Did they already check your driving record and credit reports?
• Do the companies they represent have a solid financial rating?
• Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
• Do they receive special compensation for putting your coverage with one company over another?

Kemmerer insurance agents are either independent or captive

If you’re trying to find an insurance agent, there are a couple of different agency structures to choose from. Insurance agencies in Kemmerer are classified as either captive or independent. While both can properly insure your vehicles, but it’s important to know the difference between them since it may influence your selection of an agent.

Captive Agents

Captive agents work for only one company like State Farm, AAA and Liberty Mutual. They generally cannot give you multiple price quotes so they have to upsell other benefits. Captives are usually quite knowledgeable on their company’s products which helps them sell insurance even at higher premiums.

Below are captive agencies in Kemmerer that can give you rate quotes.

State Farm Insurance – 700 N Main St # B – Kemmerer, WY 83101 – (307) 877-3181

Independent Agents (or Brokers)

Independent insurance agents do not work for one specific company but rather can write business amongst many companies enabling the ability to shop coverage around. If you are not satisfied with one company, they simply move the coverage in-house and you don’t have to find a new agent. When comparing rates, it’s recommended you include at least one independent agent for maximum quote selection.

Below is a short list of independent agents in Kemmerer willing to provide comparison quotes.

Dan Norris Agency – 922 Cedar Ave – Kemmerer, WY 83101 – (307) 877-6400
Zebre’s Insurance – 810 Cedar Ave – Kemmerer, WY 83101 – (307) 877-4435

For a complete listing of insurance agents in Kemmerer, visit this site.

Once you have received reasonable responses to these questions and an affordable coverage quote, chances are good that you have found an auto insurance agent that can adequately provide auto insurance.

Keep this in mind

Lower-priced auto insurance is possible on the web as well as from independent agents in Kemmerer, and you need to comparison shop both in order to have the best chance of saving money. Some auto insurance companies don’t offer you the ability to get quotes online and these smaller companies work with independent agents.

As you restructure your insurance plan, you should never buy less coverage just to save a little money. Too many times, an insured dropped comprehensive coverage or liability limits only to find out that it was a big error on their part. The aim is to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

More Wyoming auto insurance resources

Additional detailed information is located at the Wyoming Insurance Department website. Visitors are able to find out industry alerts, download brochures, and find out which companies have the most complaints.

Other informative sites include QuoteClickInsure.com and this list of insurance agents in Kemmerer.