Want to know how to find low-cost car insurance rates in Casper, WY? Do you get confused by the wide range of car insurance providers available to you? People have so many choices that it can be a difficult situation to find the best rates. Casper is an awesome place to live, but high car insurance rates can make it difficult for lots of drivers to pay other bills every month.
Unbelievable but true, over 70% of consumers have bought car insurance from the same company for four years or more, and about 40% of consumers have never shopped around. American drivers could save nearly $860 every year by just comparing rate quotes, but they don't believe the rate savings if they swap their current policy for a cheaper one.
It is always a good idea to do price comparisons before your policy renews because prices change quite often. Just because you had the best price on car insurance six months ago you can probably find a lower rate today. Don't believe everything you read about car insurance on the internet, but I'm going to show you some guaranteed methods to quit paying high car insurance rates in Casper.
Locating the lowest cost protection in Casper is not as time-consuming as you think. Nearly every person who shops around for car insurance will buy a cheaper policy. Although Wyoming drivers do need to know the way companies charge you for coverage and apply this information to your search.
The best way to compare insurance rates from multiple companies is to realize almost all companies allow for online access to provide you with a free rate quote. To start a quote, the only thing you need to do is spend a couple of minutes providing details such as if you went to college, level of coverage desired, if you have a valid license, and how you use your vehicles. That rating information is sent automatically to multiple companies and you get price estimates instantly to find the best rate.
To find lower rates now, click here and enter the information requested.
The providers in the list below can provide quotes in Wyoming. If several companies are displayed, we suggest you visit several of them to get the cheapest price.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Colorado LT Crew Cab 2WD||$1,190||$595||$99|
|Chevrolet Impala LTZ||$1,640||$820||$137|
|Chevrolet Malibu LT||$974||$487||$81|
|Chevrolet Silverado LS Crew Cab 4WD||$1,378||$689||$115|
|Dodge Grand Caravan Hero||$1,420||$710||$118|
|Dodge Ram Quad Cab TRX4 Off Road 4WD||$1,666||$833||$139|
|Ford Escape XLS 4WD||$940||$470||$78|
|Ford F-150 STX Regular Cab 2WD||$878||$439||$73|
|Ford Focus SE 2-Dr Coupe||$1,178||$589||$98|
|GMC Sierra SL Extended Cab 2WD||$946||$473||$79|
|Honda Accord LX 4-Dr Sedan||$1,048||$524||$87|
|Honda CR-V EX 2WD||$794||$397||$66|
|Honda Civic VP 4-Dr Sedan||$1,122||$561||$94|
|Honda Odyssey Touring||$1,152||$576||$96|
|Nissan Altima 2.5 S 4-Dr Sedan||$1,452||$726||$121|
|Toyota Camry LE||$1,268||$634||$106|
|Toyota Corolla XRS||$1,204||$602||$100|
|Toyota Tacoma Double Cab 4WD||$1,246||$623||$104|
|Get Your Own Custom Quote Go|
Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Wyoming minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Prices do not factor in specific location which can influence rates significantly.
Age, gender, and differences in insurance rates
The diagram below compares annual premium costs for male and female drivers in Casper. The costs are based on no violations or claims, full coverage, $100 deductibles, drivers are single, and no other discounts are factored in on a Chevrolet Malibu LS.
Chevrolet Malibu rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Get lower-cost insurance with discounts
Insurance can be pricey, but there may be some discounts that you may not even know about. Larger premium reductions will be automatically applied at the time of quoting, but a few need to be specially asked for before you get the savings.
- No Accidents - Insureds with no claims or accidents can earn big discounts compared to accident-prone drivers.
- Pay Upfront and Save - By paying your policy upfront as opposed to paying monthly you can avoid monthly service charges.
- Military Deployment Discount - Being deployed with a military unit could trigger a small discount.
- Safe Driver Discount - Drivers who don't get into accidents may save up to 50% more as compared to drivers with claims.
- Distant Student Discount - Children who are attending college and do not have access to a covered vehicle may be able to be covered for less.
As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, company stockholders wouldn't be very happy.
Larger insurance companies and a selection of discounts are included below.
- State Farm discounts include Drive Safe & Save, Steer Clear safe driver discount, anti-theft, good driver, passive restraint, and driver's education.
- GEICO includes discounts for emergency military deployment, seat belt use, membership and employees, driver training, military active duty, and anti-lock brakes.
- SAFECO offers premium reductions for accident prevention training, homeowner, anti-theft, teen safe driver, anti-lock brakes, and multi-car.
- Farmers Insurance has savings for mature driver, early shopping, good student, youthful driver, pay in full, and teen driver.
- AAA may have discounts that include AAA membership discount, pay-in-full, multi-car, good student, education and occupation, and anti-theft.
- USAA offers discounts including driver training, new vehicle, defensive driver, multi-vehicle, vehicle storage, and safe driver.
When comparing rates, check with each insurance company how you can save money. Some credits might not be available to policyholders everywhere.
Are car insurance agents of importance?
Many people just want to visit with an insurance agent and doing that can be a smart decision One of the benefits of comparing rates online is the fact that you can find cheap rate quotes and still buy from a local agent. And providing support for local agencies is important particularly in Casper.
To find an agent, once you fill out this form (opens in new window), your information is transmitted to participating agents in Casper who will give you bids to get your business. You don't have to search for any insurance agencies since rate quotes are delivered instantly to you. You can find lower rates and work with a local agent. If you have a need to quote rates from a specific insurance company, you just need to visit that company's website and fill out their quote form.
If you are searching for a good Casper insurance agent, it can be helpful to understand the different types of agents and how they differ in how they quote coverages. Insurance agents in Casper are classified as either independent or exclusive depending on the company they work for.
Agents in the independent channel are not required to write business for one company so they can insure your vehicles with multiple insurance companies and find the cheapest rate. If they quote lower rates, your policy is moved internally which requires no work on your part. When comparing insurance rates, you definitely need to get insurance quotes from independent agents in order to have the best price comparison. Many independent agencies also insure through smaller companies that many times have cheaper rates.
Below are independent insurance agents in Casper that may be able to provide rate quotes.
- Insurance Services LLC
1620 Nottingham Dr - Casper, WY 82609 - (307) 265-8182 - View Map
- BW Insurance Agency Inc
300 S Wolcott St - Casper, WY 82601 - (307) 266-1434 - View Map
- The Stengel Agency LLC
1545 E 2nd St - Casper, WY 82601 - (307) 234-1073 - View Map
Agents that choose to be exclusive can only write with one company such as Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents cannot give you multiple price quotes so they really need to provide good service. Exclusive agents are usually well trained on their company's products which helps them compete with independent agents. Consumers sometimes use the same exclusive agent primarily because of the prominence of the brand rather than having low rates.
The following are Casper exclusive insurance agents who can help you get price quotes.
- Farmers Insurance - Benjamin Hicks
1601 E 12th St - Casper, WY 82601 - (307) 265-2200 - View Map
- Farmers Insurance - Lisa Koerber
1607 CY Ave #203 - Casper, WY 82604 - (307) 473-5341 - View Map
- Farmers Insurance
4170 S Poplar St - Casper, WY 82601 - (307) 473-5560 - View Map
Deciding on an insurance agency needs to be determined by more than just the bottom line cost. Below are some questions you should ask.
- Does the agency provide any after hours assistance?
- Does the company have a local claim office in Casper?
- Where would glass claims be handled in Casper?
- If your car is totalled, how to they determine the replacement cost?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- How long has the business existed?
If you feel you receive acceptable answers to any questions you have as well as the cheapest Casper auto insurance quotes, you have narrowed it down to an insurance agent that is a good match to properly insure your vehicles. Just understand that you are able to cancel coverage whenever you choose to so don't feel that you're stuck with a specific agent for a certain time period.
Your situation helps dictate your coverage
When buying coverage, there really is not a single plan that fits everyone. Your needs are unique to you so this has to be addressed. These are some specific questions may help highlight whether your personal situation may require specific advice.
- What is roadside assistance coverage?
- Is there a penalty for late payment?
- Am I covered if my car is in a flood?
- When should I drop full coverage on my vehicle?
- Can I afford to pay high deductible claims out of pocket?
- Is my custom paint covered by insurance?
- Does my car insurance cover rental cars?
- What is the rate difference between pleasure use and commuting?
- Should I have combined single limit or split liability limits?
- Can I cancel at any time?
If you don't know the answers to these questions, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form or click here for a list of car insurance companies in your area.
Auto insurance coverages
Knowing the specifics of your insurance policy aids in choosing the right coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Shown next are the usual coverages found on the average insurance policy.
Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle's occupants and also any damage incurred to your vehicle.
Due to the fact that many Wyoming drivers have only the minimum liability required by law (25/50/20), it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like hospital visits, nursing services and dental work. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay
Liability coverage can cover damages or injuries you inflict on other's property or people that is your fault. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/20 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $20,000. Some companies may use one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.
Liability can pay for claims such as structural damage, pain and suffering, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but buy higher limits if possible. Wyoming state minimum liability requirements are 25/50/20 but you should think about purchasing higher limits.
Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims like colliding with another moving vehicle, hitting a parking meter and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.
Comprehensive or Other Than Collision
This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things such as theft, a broken windshield, hitting a bird, damage from getting keyed and fire damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.
When buying insurance coverage, it's not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where an accident victim reduced full coverage and learned later they didn't purchase enough coverage. Your aim should be to find the BEST coverage at a price you can afford, but don't skip important coverages to save money.
We just showed you some good ideas how you can find cheaper coverage online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may even discover the best price on auto insurance is with some of the smallest insurance companies. These companies can often provide lower prices in certain areas as compared to the big name companies such as State Farm or Progressive.
Additional auto insurance information can be read at these links:
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Who Has Cheap Car Insurance for Ride Shares in Wyoming? (FAQ)
- Who Has Affordable Car Insurance Rates for Drivers with Bad Credit in Wyoming? (FAQ)
- Who Has Cheap Car Insurance for Drivers with Good Credit in Wyoming? (FAQ)
- Who Has Cheap Wyoming Car Insurance Rates for Government Employees? (FAQ)
- How Much are Car Insurance Quotes for Hybrid Vehicles in Wyoming? (FAQ)
- How Much are Auto Insurance Rates for 16 Year Olds in Wyoming? (FAQ)
- Smart Auto Insurance Tips (Insurance Information Institute)
- Auto Insurance Basics (Insurance Information Institute)
- State Car Insurance Guides (GEICO)
- Collision Insurance Coverage (Nationwide)