Saturday, December 20, 2014

Wyoming Car Insurance




Wyoming Car Insurance: A Simple

Residents Guide to WY State

Requirements

It is illegal to drive a car in the state of Wyoming without owning
proper insurance. Car insurance proves you are financially responsible
in case of an accident. The drivers are also recommended to carry proof
of car insurance while driving in the state of Wyoming.
Basic coverage for Wyoming car insurance is often referred to as
25/50/20/. The state law requires minimum Bodily Injury Liability limit
of $25,000 per injured person up to a limit of $50,000. Minimum limit
for Property damage Liability is $20,000. There are also other types of
coverage options such as rental reimbursement and collision, and
comprehensive coverage.
For more detailed information on auto insurance requirements all Wyoming
residents should contact the State of Wyoming Insurance Department in
Cheyenne on 1-800-438-5768 or visit their website at http://doi.wyo.gov.
 
WY follows the Tort system, which states that the person responsible for
the accident be found, and that person and his/her insurance company be
held responsible for all the damages.
You can determine which car insurance policy is most suitable for you by
comparing car insurance quotes of different companies. Some tips to
getting cheap car insurance quotes in the state of Wyoming are:

Insurance More Cars Per Address

Multiple car discounts is a good way of obtaining cheap insurance
quotes. Car insurance companies offer a discount if you insure two cars
at the same time.

Purchase Auto Insurance for at Least One Year

Purchasing a car insurance policy for a year instead of 6 months or less
can extend the savings on your auto insurance. If you purchase a policy
for six months, you will have to pay a rate which changes every six
months.

Reduce your Yearly Mileage

Moving closer to your work or college is also a great way to get a cheap
car insurance quote. Cars with less mileage per year are offered a low
rate by most insurance companies.

Listed Organizations for Discounts

Many Car insurance companies offer discounts if you are affiliated with
organizations like credit unions or other entities listed for discounts.
It is recommended that you ask for a list of organization affiliations
to the insurance company you wish to use for your auto insurance cover.

Defensive Driving and Other Special Driving Courses

Some car insurance companies give discounts to people who have taken a
special driving course. Insurance companies consider people who have
taken special driving course as less likely to get into an accident.

Multiple Insurance Services

You can get a cheap insurance quote if you register your car and home insurance with the same company.

Watch your Credit Score

Keeping your credit score high is another way to get cheap car
insurance. Car insurance companies now decide the insurance rate you are
to pay based on your credit score.

What if you Can’t Get Coverage?

There is an insurance option available for high-risk individuals, too.
If you are classified as a high-risk driver, and find it hard to get car
insurance or cannot afford the high premiums, it is recommended to look
out only for companies which specialize in insurance bad drivers, such
as The General. You may also contact the state insurance commissioner
for further assistance if you are still having trouble getting auto
insurance.

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