Never Shop For Douglas Wyoming Auto Insurance Without Knowing These Money Saving Methods

Having to pay for overpriced auto insurance can empty your bank account and force you to prioritize other expenses. Doing a price comparison is free and is an excellent way to tighten up your finances. Since consumers have many insurance companies to choose from, it can be impossible to pick the cheapest car insurance company.

Finding the best rates in Douglas is easy if you know what you’re doing. If you have a policy now or are just looking to switch companies, you can use these tips to find the best rates while maximizing coverage. Wyoming drivers just need to know the proper way to compare prices online.

Compare Auto Insurance Today

Most companies quote prices for coverage directly from their websites. This process is fairly simple as you simply enter the coverage amounts you desire as requested by the quote form. When the form is submitted, their system requests credit information and your driving record and quotes a price. Quoting online streamlines rate comparisons, but the work required to visit each company’s website and repetitively type in the same information is not the best way to spend an afternoon. Unfortunately, it is important to compare as many rates as possible if you are searching for better prices.

Isn’t there an easier way to compare rates?

The easiest way to lower your auto insurance bill uses one form to return rates from more than one company. This type of form saves time, reduces the work, and makes price shopping online much more enjoyable. Immediately after you send the form, it is rated with multiple companies and you can pick any or none of the quotes that you receive. If a lower price is quoted, you simply finish the application and purchase coverage. This process can be completed in less than 10 minutes and you will know how your current rates stack up.

In order to find out how much you can save on auto insurance, click here to open in a new tab and enter your information. To compare your current rates, we recommend you replicate the coverages exactly as shown on your declarations page. This way, you will have rate comparison quotes for exact coverage.

How much can you save with discounts?

Companies that sell car insurance do not advertise every available discount in a way that’s easy to find, so we took the time to find some of the best known and also the lesser-known savings tricks you should be using. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • No Claims – Drivers with accident-free driving histories pay less when compared with drivers who are more careless.
  • New Vehicle Savings – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
  • Good Student – Performing well in school can earn a discount of 20% or more. The good student discount can last up to age 25.
  • Driver Safety – Completing a course teaching defensive driving skills could save 5% or more if your company offers it.
  • Employee of Federal Government – Employees or retirees of the government can save as much as 8% depending on your company.

As a disclaimer on discounts, most discounts do not apply the the whole policy. Most only apply to individual premiums such as collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, it doesn’t quite work that way.

How your Douglas rates are determined

Smart consumers have a good feel for some of the elements that come into play when calculating the rates you pay for auto insurance. Knowing what impacts premium levels allows you to make educated decisions that could result in big savings.Douglas WY auto insurance

  • Too many auto insurance claims drive up costs – If you file claims often, you can definitely plan on higher rates. Car insurance companies in Wyoming give discounts to policyholders who file claims infrequently. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
  • Don’t buy coverages you don’t need – There are quite a few extra bells and whistles that you can buy on your auto insurance policy. Coverages for roadside assistance, towing coverage and term life insurance are examples of these. They may seem good when you first buy your policy, but if they’re wasting money eliminate them to save money.
  • Rural vs Urban Areas – Being located in a rural area can save you money when talking about auto insurance. Fewer drivers means reduced accidents. Drivers who live in large Wyoming cities have traffic congestion and a longer drive to work. More time commuting translates into higher accident risk.
  • Men pay higher rates – Statistics show women are more cautious behind the wheel. However, this does not mean men are WORSE drivers than women. Men and women tend to get into accidents in similar numbers, but men have costlier accidents. Men also receive more costly citations like reckless driving and DUI. Male drivers age 16 to 19 tend to get in the most accidents and are penalized with high auto insurance rates.

What happened to insurance agents?

A small number of people just want to talk to a local agent and that is OK! Good agents are trained to spot inefficiencies and help you file claims. The best thing about comparing rates online is you can get the best rates and still have an agent to talk to.

After completing this short form, the quote information is transmitted to local insurance agents who will return price quotes for your business. There is no need to leave your computer since price quotes are sent immediately to your email address. How’s that for easy!

Selecting an provider should depend on more than just a low price. These questions are important to ask:

  • Is working in the agency their full-time job?
  • How are claims handled?
  • Do they specialize in personal lines coverage?
  • What insurance companies do they work with?
  • Are claims handled at the agent’s location?

What types of auto insurance agents are in Douglas?

When searching for a local agent, there are a couple of different types of agents from which to choose. Douglas agents are categorized either independent (non-captive) or captive. Both write coverage properly, but it’s good to learn the difference between them because it can influence your agent selection.

Captive Agents

This type of agents have only one company to place business with like Farmers Insurance or State Farm. These agents are not able to provide prices from multiple companies so it’s a take it or leave it situation. Captive agents receive extensive training on their products and sales techniques which helps them compete with independent agents.

Shown below is a short list of captive insurance agents in Douglas that can give you comparison quotes.

Farmers Insurance Group – 501 E Richards St # 1 – Douglas, WY 82633 – (307) 358-9030
Farm Bureau Insurance – 803 S 10th St – Douglas, WY 82633 – (307) 358-3606

Independent Agencies or Brokers

These agents are not employed by any specific company so they have the ability to put coverage with multiple insurance companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the agent simply finds a different carrier without you having to go to a different agency.

When comparison shopping, it’s recommended you contact at least one independent agent to get the best comparison.

insurance quote Douglas WY

Shown below is a short list of independent insurance agencies in Douglas that are able to give rate quotes.

Tibbs Agency – 239 S 4th St # 2 – Douglas, WY 82633 – (307) 358-9033
Ed Ricks First Insurance – 122 N 3rd St – Douglas, WY 82633 – (307) 358-4527
Insurance Corner – 920 E Richards St # A – Douglas, WY 82633 – (307) 358-4863

For a complete listing of licensed insurance agents in Douglas, go to this page.

Upon receiving answers to your satisfaction for all questions you ask as well as a affordable price, you have narrowed it down to an insurance agent that can provide auto insurance coverage.

More tips and info about auto insurance is located at the Wyoming Insurance Department website. Consumers can learn about specific coverages, download brochures, and view a list of available companies.

Quote often and quote early

Lower-priced auto insurance can be bought both online and with local Douglas insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies do not offer you the ability to get quotes online and these small, regional companies work with independent agents.

In this article, we covered some good ideas how you can lower your auto insurance rates. The most important thing to understand is the more you quote, the better likelihood of reducing your rate. Consumers may even find the best prices are with an unexpected company. They may only write in your state and offer lower rates as compared to the big name companies such as Allstate or State Farm.