Have you had enough of sacrificing to buy car insurance? Your situation is no different than many other people in Wyoming.
A recent study showed that most car insurance policyholders kept buying from the same company for at least the last four years, and almost half have never compared car insurance rates at all. Cheyenne drivers could save up to 20% a year by just comparing quotes, but they won't spend time to find cheap car insurance rates. Numerous car insurance companies battle to insure your vehicles, so it can be very hard to choose a insurance company and get the best coverage at the best rates possible on Chevy Impala insurance in Cheyenne.
If you have a policy now or need a new policy, you can use this information to save money without reducing protection. Locating the best rates in Cheyenne is really not that difficult. Consumers just need to understand the most efficient way to shop for insurance using one simple form.
These ten discounts can reduce Chevy Impala insurance rates
Companies that sell car insurance do not advertise all their discounts in an easy-to-find place, so we break down some of the more common as well as the least known credits that you can use to lower your rates.
- Payment Discounts - If paying your policy premium upfront rather than paying in monthly installments you could save up to 5%.
- Distant College Student Discount - Older children who are attending college and leave their car at home may be able to be covered for less.
- Defensive Driver Discount - Passing a course teaching safe driver skills could possibly earn you a 5% discount and easily recoup the cost of the course.
- Memberships - Being in a civic or occupational organization in Cheyenne may earn a discount when getting a Cheyenne auto insurance quote.
- Accident Forgiveness Coverage - Not really a discount, but companies like State Farm and Allstate permit an accident before your rates go up if you are claim-free for a certain period of time.
- Discount for Multiple Policies - If you can bundle your home and auto insurance and insure them with the same company you could earn a discount of approximately 10% to 15%.
- Senior Citizens - Older drivers may qualify for a small decrease in premiums.
- Discounts for Responsible Drivers - Insureds without accidents may save up to 50% more compared to rates paid by drivers with frequent claims.
- No Claim Discounts - Cheyenne drivers who stay claim-free have much lower rates when compared to frequent claim filers.
- Government Employees - Federal government employees may reduce rates when you quote Cheyenne auto insurance with certain companies.
As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. A few only apply to the cost of specific coverages such as comp or med pay. Just because it seems like you would end up receiving a 100% discount, insurance companies aren't that generous.
A partial list of companies that have these benefits may include but are not limited to:
Check with every insurance company what discounts are available to you. All car insurance discounts may not be available in Cheyenne. To find insurers who offer cheap Chevy Impala insurance quotes in Wyoming, click here.
Finding a lower price on insurance is pretty simple and can save money. You just need to take a couple of minutes getting comparison quotes to see which company has affordable Cheyenne auto insurance quotes.
Comparing free rates online is easy and it, replaces the need to make phone calls or go to insurance agents' offices. The ability to get quotes online has reduced the need for local agents unless you have a need for the personal advice that you can only get from talking to an agent. It is possible to find lower rates online but purchase the actual policy in an agency.
The companies shown below are our best choices to provide quotes in Cheyenne, WY. If multiple companies are listed, it's highly recommended you visit as many as you can in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Wyoming minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Premium amounts do not factor in specific location information which can revise coverage rates noticeably.
Reckless driving habits raise Cheyenne car insurance rates
The illustration below illustrates how speeding tickets and fender-benders can increase Chevrolet Impala car insurance costs for each different age group. The data is based on a single female driver, comp and collision included, $500 deductibles, and no discounts are taken into consideration.
Compare prices but still have a neighborhood Cheyenne auto insurance agent
Many drivers still like to have an agent's advice and that can be a great decision Experienced insurance agents are trained risk managers and will help you if you have claims. A nice benefit of price shopping on the web is that you can find the lowest rates and also buy local. Buying insurance from neighborhood agents is definitely important in Cheyenne.
To help locate an agent, after submitting this short form, the coverage information gets sent to local insurance agents who will give you bids for your coverage. You won't even need to drive around due to the fact that quote results will go to you instantly. If for some reason you want to compare prices from a specific company, don't hesitate to go to their quote page and give them your coverage information.
Choosing an provider needs to be determined by more than just the bottom line cost. Here are some questions to ask:
- Did they already check your driving record and credit reports?
- Does the company use OEM repair parts?
- What kind of financial rating does the company have?
- Is the agent properly licensed in Wyoming?
- Is working in the agency their full-time job?
- What insurance companies do they work with in Cheyenne?
- Do they have any clout with companies to ensure a fair claim settlement?
- Can glass repairs be made at your home?
Insurance does more than just repair your car
Despite the fact that insurance is not cheap in Cheyenne, insurance is not optional due to several reasons.
First, almost all states have compulsory liability insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability in order to get the vehicle licensed. In Wyoming these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
Second, if you took out a loan on your Impala, most banks will require that you buy full coverage to guarantee their interest in the vehicle. If you do not keep the policy in force, the lender will be forced to insure your Chevy at a much higher rate and require you to fork over for the much more expensive policy.
Third, insurance protects both your assets and your car. Insurance will pay for medical expenses incurred in an accident. Liability coverage also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, your policy will pay to repair the damage minus the deductible amount.
The benefits of buying enough insurance more than offset the price you pay, particularly for liability claims. But the average driver in Wyoming is wasting up to $820 a year so it's important to compare rates at every renewal to help ensure money is not being wasted.
Auto insurance coverage breakdown
Having a good grasp of a auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Shown next are the normal coverages offered by auto insurance companies.
Liability car insurance
This protects you from injuries or damage you cause to a person or their property by causing an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/20 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and $20,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability can pay for things such as structural damage, pain and suffering, medical expenses, medical services and legal defense fees. How much liability should you purchase? That is your choice, but it's cheap coverage so purchase higher limits if possible. Wyoming requires minimum liability limits of 25/50/20 but it's recommended drivers buy better liability coverage.
Medical payments and PIP coverage
Med pay and PIP coverage pay for bills for things like funeral costs, rehabilitation expenses and ambulance fees. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage
UM/UIM (Uninsured/Underinsured Motorist) coverage
This coverage protects you and your vehicle when the "other guys" do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your Chevy Impala.
Since a lot of drivers have only the minimum liability required by law (which is 25/50/20), it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are identical to your policy's liability coverage.
Collision coverage protection
Collision insurance will pay to fix damage to your Impala from colliding with an object or car. A deductible applies then your collision coverage will kick in.
Collision insurance covers things such as sideswiping another vehicle, rolling your car, damaging your car on a curb and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to raise the deductible on your Impala to bring the cost down.
Comprehensive auto coverage
This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things like theft, a tree branch falling on your vehicle, fire damage and vandalism. The maximum amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.
Keep this in mind when shopping around
While you're price shopping online, do not skimp on coverage in order to save money. There are too many instances where drivers have reduced liability coverage limits and found out when filing a claim that the small savings ended up costing them much more. The proper strategy is to purchase plenty of coverage at a price you can afford.
We've covered many tips how you can lower your Chevy Impala insurance prices in Cheyenne. The key thing to remember is the more price quotes you have, the better chance you'll have of finding low cost Cheyenne auto insurance quotes. Consumers may even find the lowest priced car insurance comes from some of the lesser-known companies. These smaller insurers often have lower rates on specific markets compared to the large companies like State Farm and Allstate.
Affordable Chevy Impala insurance in Cheyenne can be bought both online as well as from independent agents in Cheyenne, and you should compare rates from both to have the best selection. Some insurance providers may not offer online quoting and these smaller companies only sell through independent agents.
More detailed car insurance information can be read in these articles:
- Understanding Your Insurance Deductible (Insurance Information Institute)
- What Auto Insurance is Cheapest in Buffalo, Wyoming? (FAQ)
- How Much is Wyoming Auto Insurance for Business Use? (FAQ)
- Who Has Cheap Wyoming Car Insurance for Good Students? (FAQ)
- Who Has the Cheapest Wyoming Car Insurance Quotes for Used Cars? (FAQ)
- Who Has Cheap Wyoming Auto Insurance Quotes for Real Estate Agents? (FAQ)
- What Car Insurance is Cheapest for Drivers Over Age 60 in Wyoming? (FAQ)
- Who Has Affordable Auto Insurance for Felons in Wyoming? (FAQ)
- Who Has Affordable Wyoming Auto Insurance for a Ford Explorer? (FAQ)
- How Much is Auto Insurance for Good Drivers in Wyoming? (FAQ)
- A Tree Fell on Your Car: Now What? (Allstate)
- Tread Depth and Tire Safety (State Farm)
- Safety Belts FAQ (iihs.org)