Are you burned out from not being able to afford to pay high car insurance rates every month? You're in the same situation as millions of other people.

It's amazing but a large majority of drivers have stayed with the same insurance company for over three years, and nearly the majority have never shopped around. With the average premium in the U.S. being $1,847, drivers could save approximately $850 a year, but most just don't grasp how much they could save if they switched to a cheaper policy. There are many insurers to buy insurance from, and though it is a good thing to have multiple companies, more options can take longer to find the lowest cost provider.

It's a good idea to price shop coverage on a regular basis since prices are adjusted regularly by insurance companies. Even if you think you had the best price on car insurance a couple years back you may be paying too much now. You'll find a ton of advice on car insurance online, but by reading this article, you're going to learn the easiest ways to save money.

Finding affordable car insurance coverage in Cheyenne is really quite easy. If you have car insurance now, you will be able to shop for the lowest rates using these techniques. Vehicle owners just need to understand the quickest method to compare rate quotes using one simple form.

Getting more affordable auto insurance pricing can be surprisingly simple. Just take time comparing price quotes from different insurance companies.

Online shopping is fast and free, and it replaces the need to go to insurance agencies in your area. The ability to get quotes online has reduced the need for local agents unless your situation requires the peace of mind that only a licensed agent can provide. If you prefer, some companies allow you to price shop your coverage online and still use a local Cheyenne agent.

The companies shown below have been selected to offer comparison quotes in Wyoming. If multiple providers are shown, it's a good idea that you get rate quotes from several of them to get the best price comparison.

Insurance Estimates for Popular Vehicles in Cheyenne
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LT 2WD $1,224 $612 $102
Chevrolet Malibu LS $1,398 $699 $117
Chevrolet Silverado LT Extended Cab 4WD $1,224 $612 $102
Dodge Ram Quad Cab Sport 4WD $1,488 $744 $124
Ford Escape Limited 2WD $836 $418 $70
Ford F-150 Lariat Crew Cab Platinum 2WD $1,210 $605 $101
Ford Focus SEL 4-Dr Sedan $1,128 $564 $94
Honda Accord LX-P 4-Dr Sedan $1,076 $538 $90
Honda CR-V LX 2WD $954 $477 $80
Honda Civic EX 2-Dr Coupe $1,736 $868 $145
Honda Odyssey LX $1,118 $559 $93
Hyundai Elantra GLS Touring Station Wagon $906 $453 $76
Nissan Altima 3.5 SR 4-Dr Sedan $1,054 $527 $88
Toyota Camry LE $928 $464 $77
Toyota Corolla XRS $1,372 $686 $114
Toyota Prius $1,020 $510 $85
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Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Wyoming minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rates do not factor in your specific Cheyenne location which can influence auto insurance rates significantly.

Higher deductibles lower rates

When buying auto insurance, a common question is how high should the physical damage deductibles be. The tables below may help to illustrate the rate difference of buying low and high physical damage coverage deductibles. The first rate estimation uses a $250 deductible for comp and collision and the second price grid uses a $1,000 deductible.

Honda Civic rates are for example purposes only. To get rates for your specific vehicle, click here.

Honda Civic insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $242 $466 $358 $22 $108 $1,221 $102
Civic VP 4-Dr Sedan $242 $550 $358 $22 $108 $1,305 $109
Civic LX 4-Dr Sedan $242 $550 $358 $22 $108 $1,305 $109
Civic DX 2-Dr Coupe $242 $550 $448 $26 $134 $1,425 $119
Civic EX 4-Dr Sedan $242 $550 $358 $22 $108 $1,305 $109
Civic LX-S 4-Dr Sedan $242 $550 $358 $22 $108 $1,305 $109
Civic LX 2-Dr Coupe $242 $632 $448 $26 $134 $1,507 $126
Civic EX-L 4-Dr Sedan $276 $632 $358 $22 $108 $1,421 $118
Civic SI 4-Dr Sedan $276 $632 $358 $22 $108 $1,421 $118
Civic EX 2-Dr Coupe $276 $632 $448 $26 $134 $1,541 $128
Civic GX 4-Dr Sedan $276 $632 $358 $22 $108 $1,421 $118
Civic EX-L 2-Dr Coupe $276 $632 $448 $26 $134 $1,541 $128
Civic Hybrid 4-Dr Sedan $312 $550 $358 $22 $108 $1,375 $115
Civic SI 2-Dr Coupe $312 $716 $448 $26 $134 $1,661 $138
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Honda Civic insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $150 $294 $358 $22 $108 $932 $78
Civic VP 4-Dr Sedan $150 $346 $358 $22 $108 $984 $82
Civic LX 4-Dr Sedan $150 $346 $358 $22 $108 $984 $82
Civic DX 2-Dr Coupe $150 $346 $448 $26 $134 $1,104 $92
Civic EX 4-Dr Sedan $150 $346 $358 $22 $108 $984 $82
Civic LX-S 4-Dr Sedan $150 $346 $358 $22 $108 $984 $82
Civic LX 2-Dr Coupe $150 $398 $448 $26 $134 $1,156 $96
Civic EX-L 4-Dr Sedan $172 $398 $358 $22 $108 $1,058 $88
Civic SI 4-Dr Sedan $172 $398 $358 $22 $108 $1,058 $88
Civic EX 2-Dr Coupe $172 $398 $448 $26 $134 $1,178 $98
Civic GX 4-Dr Sedan $172 $398 $358 $22 $108 $1,058 $88
Civic EX-L 2-Dr Coupe $172 $398 $448 $26 $134 $1,178 $98
Civic Hybrid 4-Dr Sedan $194 $346 $358 $22 $108 $1,028 $86
Civic SI 2-Dr Coupe $194 $450 $448 $26 $134 $1,252 $104
Get a Quote for Your Vehicle Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Wyoming minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Price information does not factor in Cheyenne location which can decrease or increase auto insurance rates noticeably.

Based on this data, using a $250 deductible will cost you approximately $29 more each month or $348 each year than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 26 months between claim filings, you would probably be better off by going with a higher deductible.

Men versus women drivers and insurance cost

The chart below illustrates the difference between insurance costs for male and female drivers in Cheyenne. The rates are based on no accidents or driving violations, comp and collision included, $250 deductibles, drivers are single, and no discounts are taken into consideration on a Chevrolet Malibu LS.

Chevrolet Malibu rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Verify you're getting every discount

Car insurance companies don't always advertise every available discount in an easy-to-find place, so we break down both well-publicized and the more hidden discounts that you can inquire about if you buy Cheyenne auto insurance online.Car insurance discounts

Just know that some of the credits will not apply to the entire cost. A few only apply to individual premiums such as medical payments or collision. Even though it appears adding up those discounts means a free policy, you won't be that lucky.

Larger car insurance companies and some of the discounts can be read below.

Before you buy a policy, ask all the companies what discounts are available to you. Discounts may not be offered in Cheyenne.

Smart buyers save more

Many factors are used when you get a price on insurance. Some of the criteria are obvious like your driving record, but some are not as apparent like your vehicle usage and annual miles driven. The best way to find cheaper car insurance is to take a look at the factors that help calculate your policy premiums. When you know what positively or negatively controls the rates you pay, this helps enable you to make changes that could help you find better car insurance rates.

The items below are some of the items used by your company to calculate prices.

Best reasons to buy insurance in Wyoming

Despite the fact that insurance is not cheap in Cheyenne, insurance serves a purpose in several ways.

The benefits of insuring your car greatly outweigh the cost, especially when you need to use it. But the average American driver is wasting up to $869 every year so we recommend shopping around every year to save money.

Car insurance claim information

Are you driving a vehicle with a high chance of a claim? The statistics below show the highest and lowest manufacturer models for overall likelihood of having to file claims orgainized by coverage.

Manufacturer Models with the Lowest and Highest Collision Claims
Lowest Overall Losses Highest Overall Losses
Ford F-150 SuperCrew BMW 6 Series
GMC Canyon Bentley Continental Flying Spur
Ford Edge Maserati Granturismo
Ford F-250 SuperCab Bently Continental GTC
Jeep Wrangler Bently Continental GT
Nissan Xterra Audi RS7

Statistics from IIHS.org for 2013-2015 Model Years

Vehicle Make and Models with the Lowest and Highest Medical Payment Coverage Claims
Lowest Overall Losses Highest Overall Losses
Land Rover Range Rover Sport Kia Forte
Ford F-250 SuperCrew Dodge Charger
Ford F-350 SuperCrew Nissan Versa
Ford Expedition Chevrolet Spark
Tesla Model S Mitsubishi Mirage
Chevrolet Silverado 2500 Nissan Sentra

Statistics from IIHS.org for 2013-2015 Model Years

Comprehensive Insurance Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Ford F-350 BMW M6
Chevy Spark Porsche Panamera GTS
GMC Sierra 2500 Bentley Continental GTC
Volvo V60 Mercedes-Benz S Class
Infiniti QX50 BMW M6
Nissan Leaf Maserati Granturismo

Statistics from IIHS.org for 2013-2015 Model Years

Bodily Injury Liability Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Audi A6 Chevrolet Cruze
Fiat 500 Mitsubishi Lancer
Chevrolet Corvette Chevrolet Sonic
Subaru Outback Kia Rio
Mercedes-Benz SL Class Chrysler 200
Subaru Forester Hyndai Accent

Statistics from IIHS.org for 2013-2015 Model Years

Shop around and save

As you go through the steps to switch your coverage, never sacrifice coverage to reduce premiums. In many cases, someone dropped comprehensive coverage or liability limits and found out when filing a claim they didn't purchase enough coverage. Your aim should be to find the BEST coverage at the lowest possible cost but still have enough coverage for asset protection.

Throughout this article, we presented a lot of information how to lower your auto insurance premium rates in Cheyenne. The key concept to understand is the more providers you compare, the better your chances of lowering your prices. Drivers may even discover the lowest priced auto insurance comes from the least-expected company. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as GEICO and State Farm.

Helpful learning opportunities