Finding better rates for Rock Springs auto insurance is always challenging for consumers new to comparing rates online. There are so many options that it can turn into a real hassle to find the best price in Rock Springs.
It’s a good idea to do rate comparisons periodically since rates change frequently. Despite the fact that you may have had the best price on your last policy there is a good chance you can find better rates now. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the proper way to find the best coverage while lowering your premiums.
Buying car insurance in Rock Springs is quite easy. If you have a policy now or need a new policy, you can use these tips to get lower rates while maximizing coverage. Wyoming consumers only need an understanding of the proper way to compare prices on the web.
Compare Quotes for Rock Springs Auto Insurance
Cutting your auto insurance rates can be relatively painless. The only thing you need to do is take time getting comparison quotes from different insurance companies. This is very easy and can be done in a couple of different ways.
- The first (and easiest) way to get quotes is an all-inclusive rate comparison (click to open form in new window). This method keeps you from doing repetitive form submissions for each company. A single form gets rate comparisons direct from many companies. This is by far the quickest method.
- Another way to obtain and compare quotes online requires visiting each company’s website and complete a new quote form. For instance, we’ll assume you want to compare rates from Progressive, Farmers and Travelers. To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why the first method is more popular.
For a handy list of car insurance company links in Rock Springs, click here.
- The least recommended way of getting rate comparisons to and from local insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you want the professional guidance of a local agent. Drivers can comparison shop your insurance online but still have the advice of a local agent and you’ll learn how to do that later.
It doesn’t matter which method you choose, just make absolute certain that you use the exact same deductibles and coverage limits for every company. If each company quotes different values for each quote it’s not possible to truly determine the lowest rate in Rock Springs.
Lower rates by qualifying for these nine discounts
Car insurance companies don’t always publicize every discount in a way that’s easy to find, so we researched some of the best known and also the lesser-known discounts you could be receiving. If you aren’t receiving every discount you qualify for, you are throwing money away.
- Good Student Discount – This discount can save 20 to 25%. Earning this discount can benefit you up to age 25.
- Clubs and Organizations – Being a member of a qualifying organization is a good way to get lower rates when buying auto insurance.
- Discount for New Cars – Insuring a new car can be considerably cheaper since new cars are generally safer.
- Seat Belt Usage – Requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
- Low Mileage Discounts – Keeping the miles down could be rewarded with discounted rates on garaged vehicles.
- Drivers Education – Require your teen driver to enroll in driver’s education in high school.
- Multi-car Discount – Having more than one vehicle on one policy can get a discount on all vehicles.
- Senior Discount – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10%.
- One Accident Forgiven – Some insurance companies will allow you to have one accident before raising your premiums as long as you don’t have any claims prior to the accident.
A little note about advertised discounts, some credits don’t apply the the whole policy. Most only cut the cost of specific coverages such as liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, you’re out of luck.
Buying car insurance locally
Some consumers just want to get advice from a local agent and that is OK! Agents are trained to spot inefficiencies and help you file claims. The biggest benefit of getting online price quotes is you may find the best rates but still work with a licensed agent.
By using this form (opens in new window), your coverage information is emailed to companies in Rock Springs who will compete for your coverage. There is no need to leave your house because quoted prices will be sent to the email address you provide.
Picking an provider shouldn’t rely on just the price. Any agent should have no problem answering these questions:
- Does the company allow you to choose your own collision repair facility?
- If your car is in the repair shop, do you have coverage for a rental car?
- What is the agency’s Better Business Bureau rating?
- Are they full-time agents?
- How much will you save each year by using a higher deductible?
Pick the best insurance agent in Rock Springs for you
When searching for a local agent, you need to know there are two types of agencies to choose from. Agents can either be captive or independent (non-captive). Both insure your vehicles, but it’s worth mentioning how they are different because it can impact your selection of an agent.
These agents write business for a single company like Liberty Mutual, State Farm, Allstate and AAA. Captives cannot provide prices from multiple companies so always compare other rates. Captive agencies are trained well on the products they sell and that can be a competitive advantage. Consumers frequently purchase coverage from captives primarily because of high brand loyalty and strong financial ratings.
Listed below are captive agencies in Rock Springs that are able to give price quotes.
- Farmers Insurance Group – 1695 Sunset Dr # 106 – Rock Springs, WY 82901 – (307) 362-9980
- Farm Bureau Insurance – 400 2nd St # D2 – Rock Springs, WY 82901 – (307) 382-2332
- State Farm Insurance – 100 Village Cir – Rock Springs, WY 82901 – (307) 362-1933
- Allstate Insurance – 1471 Dewar Dr # 115 – Rock Springs, WY 82901 – (307) 362-8090
Independent Agents (or Brokers)
Independent insurance agents do not work for one specific company but rather can write business with many different companies depending on which coverage is best. To move your coverage to a new company, they simply move the coverage in-house without you having to go to a different agency.
When searching for an agent, it’s a good idea to include at least one independent agent to ensure the widest selection of prices.Many can place coverage with smaller companies which can be an advantage.
Listed below are independent agencies in Rock Springs that can give you comparison quotes.
- American National Insurance Co – 1215 Elk St # A – Rock Springs, WY 82901 – (307) 382-4414
- Zebre’s Insurance Inc – 402 Broadway St – Rock Springs, WY 82901 – (307) 362-2243
For a full directory of insurance agents in Rock Springs, please view this page.
Once you have good answers for all questions you ask and a good coverage price, chances are good that you have found an auto insurance agent that can properly insure your vehicles. Just keep in mind you can always terminate your policy whenever you wish so don’t think you are locked into a policy for the full term.
What auto insurance coverages do you need?
Learning about specific coverages of a auto insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.
Liability auto insurance – This can cover damage or injury you incur to other people or property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.
Liability can pay for claims like funeral expenses, pain and suffering, legal defense fees, emergency aid and medical expenses. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible. Wyoming state minimum liability requirements are 25,000/100,000/15,000 but drivers should carry higher limits.
Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.
Collision coverage pays for claims like crashing into a building, backing into a parked car, damaging your car on a curb and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.
Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like prosthetic devices, pain medications and nursing services. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay
Uninsured or underinsured coverage – This protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your vehicle.
Since many Wyoming drivers have only the minimum liability required by law (25/100/15 in Wyoming), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.
Comprehensive protection – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like fire damage, damage from getting keyed and hitting a deer. The highest amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
More quotes mean more savings
We just presented quite a bit of information on how to shop for auto insurance online. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding lower rates. Drivers may discover the biggest savings come from an unexpected company.
While you’re price shopping online, make sure you don’t skimp on coverage in order to save money. In too many instances, consumers will sacrifice uninsured motorist or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.
Insureds leave their current company for many reasons like delays in responding to claim requests, policy cancellation, being labeled a high risk driver and even unfair underwriting practices. Regardless of your reason for switching companies, switching auto insurance companies is pretty simple and you could end up saving a buck or two.
Online resources for education
More tips and info about auto insurance can be read at the Wyoming Insurance Department website. Visitors are able to read consumer alerts, learn about specific coverages, and read state legal mandates and laws.