Cheap Car Insurance in Wyoming
Wyoming is a beautiful state. With places such as Yellowstone, the Grand Tetons, and Devils Tower, it has some of the most stunning scenery and natural features to be found in the country. Unfortunately, auto insurance rates in the Cowboy State aren’t usually as beautiful.
According to a 2011 study commissioned by insure.com, Wyoming has auto insurance rates that are $153 higher for drivers than the national average. This makes finding cheap auto insurance in Wyoming a priority for drivers.
Required Wyoming Auto Insurance
Before searching for cheap car insurance in Wyoming, you need to understand what the state auto insurance laws and requirements are before you purchase. Wyoming mandatory minimum auto insurance requirement is that the driver carry $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $20,000 per accident for property damage.
These are just the minimum limits. Most drivers will benefit by going for optional higher limits for more complete protection. Also, if you are financing your vehicle, your lender may requires you to carry other types of coverage such as collision, comprehensive, and gap coverage. Be sure you purchase the amount of coverage that protects you, your family, your vehicle(s), and all your assets.
What Affects Wyoming Insurance Rates
Wyoming doesn’t have the treacherous traffic that other states face but Wyoming does endure a lot of heavy snow. High winds, heavy snowfall, and varying plowing schedules can leave some of the main highways and roads covered in snow and hard to navigate on. With all the open stretches of space along the highways of Wyoming, it leaves room for many animals such as deer and antelope to venture out possibly in the path of a moving car.
And if snow and animals wasn’t enough to deal with when driving along the highways, some of those roads are unmarked. Basically meaning not paved which leaves the door open for chipped paint and broken windshields resulting from gravel or rock hitting it.
Why Shop Online
Unlike the bigger cities where people tend to find cheaper car insurance online or simply by phone, many people in Wyoming go to local agents to get their coverage. In rural areas people like the one on one relationship factor verses speaking to a representative they had never seen.
While going to an agent in person may be convenient, it may not be the best way to save. Physical agents have the costs of running an office and want to earn a good living selling insurance. It may pay to take a few minutes and shop online. It is a convenient way to compare rates from different companies in Washington.
Find Cheap Car Insurance in Wyoming
To get free rate quotes from various car insurance companies, simply type in your zip code. Numerous, top name car insurance companies are standing by to send you a free rate quote. This gives you a huge advantage in comparing each company’s insurance coverage and costs before your decision is made. This alone could save you hundreds a year in car insurance premiums.