Comparison shopping for low cost auto insurance might be a challenge for drivers who have little experience buying insurance online. Consumers have so many different companies and agents to choose from that it can quickly become more work than you anticipated to locate the lowest price in Wyoming.

A study showed that a large majority of auto insurance policyholders in Wyoming have remained with the same auto insurance company for more than four years, and about 40% of consumers have never compared auto insurance rates at all. Many drivers in America could save almost 47% each year by just comparing rate quotes, but they don't want to take the time to find cheap auto insurance rates.

If you're already insured, you stand a good chance to be able to find better prices using the ideas you're about to read. This information will introduce you to how to compare rates easily and some tips to save money. Although Wyoming vehicle owners do need to know how big insurance companies determine premium rates and use it to your advantage.

Discounts mean cheaper rates

Auto insurance is easily one of your largest bills, but you might be missing out on some discounts to help bring down the price. Many discounts should be triggered at quote time, but some need to be asked for before you will receive the discount.Save money with discounts

Discounts lower rates, but most discount credits are not given the the whole policy. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like it's possible to get free car insurance, that's just not realistic.

A list of companies and the discounts they provide are detailed below.

When getting free Rock Springs car insurance quotes, it's a good idea to each company how you can save money. All car insurance discounts might not be offered everywhere. If you would like to see a list of companies that offer discounts in Rock Springs, click here.

All the larger auto insurance companies like State Farm, Allstate and GEICO allow you to get insurance quotes from their websites. This process is easy for anyone as you simply type in your coverage information into a form. After you complete the form, the system will obtain reports for credit and driving violations and generates a price.

Quoting online simplifies rate comparisons, and it's very important to have as many quotes as possible if you want to get the cheapest price possible.

In order to find out what other companies charge, take a look at the companies shown below. If you have your current policy handy, we recommend you input your coverages as shown on your current policy. Using the same limits helps guarantee you are getting a price comparison for the exact same coverage.

The companies shown below offer comparison quotes in Rock Springs, WY. If the list has multiple companies, we suggest you get rate quotes from several of them to find the cheapest car insurance rates.

Insurance Rate Estimates for Popular Vehicles in Rock Springs
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LTZ AWD $1,224 $612 $102
Chevrolet Silverado LS Extended Cab 2WD $1,024 $512 $85
Dodge Ram Crew Cab ST 2WD $1,090 $545 $91
Ford Escape Limited 2WD $932 $466 $78
Ford Explorer Limited 4WD $1,004 $502 $84
Ford F-150 XLT Crew Cab 4WD $1,004 $502 $84
Ford Focus SES 4-Dr Sedan $984 $492 $82
Honda Accord EX-L 4-Dr Sedan $1,034 $517 $86
Honda CR-V LX 2WD $800 $400 $67
Honda Civic Hybrid 4-Dr Sedan $1,340 $670 $112
Jeep Grand Cherokee Laredo 4WD $1,084 $542 $90
Nissan Altima 2.5 4-Dr Sedan $1,420 $710 $118
Toyota Camry LE $1,420 $710 $118
Toyota Corolla LE $1,326 $663 $111
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,096 $548 $91
Get Your Own Custom Quote Go

Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Wyoming minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Estimates do not factor in zip code location which can modify coverage rates noticeably.

Drive responsibly or pay higher rates

The chart below shows how traffic citations and accident claims can influence Kia Optima car insurance costs for each different age group. The premiums assume a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.

Kia Optima rates are for example purposes only. To get rates for your specific vehicle, click here.

An analysis of deductible level

The chart below demonstrates how choosing different deductibles and can impact Honda Accord yearly insurance costs for each age group. The rate quotes are based on a single female driver, full physical damage coverage, and no policy discounts are applied.

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

Four things that determine your premiums

Part of the auto insurance buying process is learning some of the elements that go into determining your auto insurance rates. If you know what controls the rates you pay, this helps enable you to make changes that could help you find lower auto insurance prices.

Why you need to buy car insurance

Despite the potentially high cost of car insurance, insuring your vehicle may be required for several reasons.

First, almost all states have compulsory liability insurance requirements which means the state requires a minimum amount of liability protection if you want to drive legally. 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 your vehicle has a lienholder, it's guaranteed your bank will make it a condition of the loan that you carry insurance to guarantee loan repayment. If you cancel or allow the policy to lapse, the bank will be required to insure your vehicle at a much higher rate and require you to pay for it.

Third, insurance safeguards both your vehicle and your assets. It also can pay for many types of medical costs incurred in an accident. Liability coverage, the one required by state law, will also pay for a defense attorney if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.

The benefits of buying enough insurance definitely exceed the cost, especially when you need to use it. According to a 2015 survey, the average American driver overpays more than $700 annually so shop around at every policy renewal to help ensure money is not being wasted.

Insurance losses by coverage

Which vehicle models have severe claims? The statistics below show the worst and best vehicle makes and models for the probability of filing claims orgainized by coverage.

Vehicle Make and Models with the Lowest and Highest Auto Insurance Collision Claims
Lowest Overall Losses Highest Overall Losses
Ford Edge Nissan GT-R
Ford F-150 SuperCrew Maserati Granturismo
Chevrolet Colorado Audi RS7
Jeep Wrangler Ferrari 458
Nissan Xterra BMW 6 Series
Ford F-250 SuperCab Maserati Ghibli

Statistics from IIHS.org for 2013-2015 Model Years

Medical Payment Insurance Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Chevrolet Corvette Mitsubishi Lancer
Tesla Model S Chevrolet Sonic
Audi A4 Allroad Mitsubishi Mirage
Chevrolet Silverado 2500 Nissan Sentra
Ford F-250 SuperCrew Dodge Charger
Land Rover Range Rover Sport Nissan Versa

Statistics from IIHS.org for 2013-2015 Model Years

Comprehensive Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Chevy Silverado 2500 BMW M6
Nissan Xterra Maserati Granturismo
Nissan Leaf Porsche Panamera GTS
GMC Sierra 2500 Mercedes-Benz S Class
Volvo V60 Maserati Quattroporte
Smart ForTwo Audi S7

Statistics from IIHS.org for 2013-2015 Model Years

Bodily Injury Liability Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Mercedes-Benz SL Class Dodge Charger
Volvo XC60 Chevrolet Cruze
Acura MDX Kia Optima
Fiat 500 Chevrolet Impala
Chevrolet Corvette Chrysler 200
Subaru Outback Mitsubishi Lancer

Statistics from IIHS.org for 2013-2015 Model Years

One last note

Affordable insurance in Rock Springs is available on the web in addition to local insurance agencies, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies may not offer the ability to get quotes online and these regional insurance providers work with local independent agencies.

When you buy Rock Springs car insurance online, do not skimp on critical coverages to save a buck or two. In many cases, drivers have reduced uninsured motorist or liability limits only to regret at claim time that they should have had better coverage. Your goal should be to buy enough coverage at the best price, but do not sacrifice coverage to save money.

You just read a lot of information how to compare insurance rates in Rock Springs. The key thing to remember is the more quotes you get, the better likelihood of getting affordable Rock Springs car insurance quotes. Drivers may even discover the best price on insurance is with a company that doesn't do a lot of advertising.

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