Finding affordable Casper car insurance is always a challenge for consumers not familiar with comparison shopping online. Consumers have so many companies to choose from that it can turn into a big hassle to locate the lowest price in Casper.
Car Insurance Prices in Casper
Effectively comparing car insurance prices can be challenging if you don’t utilize the most efficient way to do it. You can waste a few hours (or days) driving to insurance agencies in Casper, or you can utilize the internet to get pricing more quickly.
Most car insurance companies belong to an insurance system where prospective buyers only type in their quote data once, and at least one company can give them a price based on that information. This saves time by eliminating quote forms for every car insurance company. To compare pricing click here (opens in new window).
The single downside to using this type of system is you can’t choose which carriers to get quotes from. If you prefer to choose from a list of companies to compare rates, we have a listing of companies who write car insurance in Wyoming. Click to view list.
It’s your choice how you get your quotes, but make absolute certain that you use exactly the same coverage limits and deductibles for every quote you compare. If your comparisons have differing limits you will not be able to determine the lowest rate in Casper.
Cut your premium with these six discounts
The price of auto insurance can be rather high, but there are discounts available to reduce the price significantly. A few discounts will automatically apply when you purchase, but less common discounts must be asked about prior to getting the savings. If they aren’t giving you every credit available, you are throwing money away.
- No Charge for an Accident – A handful of insurance companies will forgive one accident before hitting you with a surcharge if you are claim-free for a set time period.
- College Student – Any of your kids who live away from home and don’t have a car can receive lower rates.
- Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
- Low Mileage – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
- Defensive Driver – Taking a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
- More Vehicles More Savings – Having multiple cars or trucks on the same car insurance policy may reduce the rate for each vehicle.
As a disclaimer on discounts, many deductions do not apply to the entire cost. A few only apply to specific coverage prices like liability and collision coverage. Just because it seems like you could get a free car insurance policy, it just doesn’t work that way. Any amount of discount will help reduce the cost of coverage.
Additional information is available on the Wyoming Insurance Department website located here. Visitors are able to read consumer alerts, find disaster information, file complaints about an insurance agent or broker, and read enforcement actions against agents and companies.
Auto insurance 101
Understanding the coverages of a car insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement.
Liability insurance protects you from damages or injuries you inflict on other people or property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.
Liability insurance covers things such as attorney fees, repair bills for other people’s vehicles and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford. Wyoming requires drivers to carry at least 25,000/100,000/15,000 but you should think about purchasing higher limits.
Comprehensive or Other Than Collision
Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims such as damage from getting keyed, hail damage and fire damage. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.
This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.
Because many people only carry the minimum required liability limits (Wyoming limits are 25/100/15), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are identical to your policy’s liability coverage.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for nursing services, surgery, pain medications, dental work and funeral costs. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay
Collision coverage protection
This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision insurance covers claims like crashing into a ditch, hitting a mailbox, scraping a guard rail, backing into a parked car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.
More comparisons equals lower rates
As you go through the steps to switch your coverage, don’t be tempted to buy less coverage just to save a little money. In too many instances, an insured dropped liability limits or collision coverage and learned later that they should have had better coverage. The proper strategy is to get the best coverage possible for the lowest price while still protecting your assets.
People who switch companies do it for any number of reasons including being labeled a high risk driver, delays in responding to claim requests, high prices or even delays in paying claims. No matter why you want to switch, finding a new company is pretty simple and you could end up saving a buck or two.
Budget-conscious car insurance can be sourced from both online companies and with local Casper insurance agents, and you need to price shop both to have the best rate selection. Some insurance providers do not offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.