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Are you in need of cheap auto insurance in Casper, WY? At AutoInsuranceEZ.com, you will find the cheapest cost insurance policy locally. To find free car insurance estimates offered by the best providers right away, type in your zip code within the quote box in this posting.

During the heydays of western American settlement, Casper was the nexus of all the major transportation routes of the time. These included the famous Oregon Trail, the Bozeman, California, Bridger, and Mormon Trails, and the Pony Express. Today, Casper is known as the geographic heart of the state of Wyoming and as a thriving place for cattle ranching and tourism.

  • Fun fact: Did you know that Casper has been referred to as “The Oil City” since the discovery of the Salt Creek Oil Field back in 1883? Learn more about Casper by clicking here.

Auto Insurance Coverage Requirements in Wyoming

Driving legally in Casper requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 20,000 100,000
Uninsured Motorist Bodily Injury Not required 25,000/50,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 100 deductible

Think Liability is all that’s necessary? Well, you might like to reconsider. Liability won’t pay a cent in lots of situations, such as being the victim of some hit-and-run, having your vehicle stolen, or suffering damage from severe weather or similar disasters. You may be 100% accountable for certain costs if all you’re covered by is Liability.

Your typical Casper resident may be riding around having a monthly $128 burden simply to stay legally covered with Wyoming car insurance. But at this time, you are able to lower that to $28/mo*! Let’s demonstrate how to capitalize on these deals in your town.

Average Monthly Auto Insurance Premiums Legend: Casper Grange State Farm Allstate 5 10 15 20 25 30 35 40 45 $16 $22 $46

 

If you are considering an insurance switch according to cost alone, then you’ll wish to consider the likes of Grange or State Farm. Keep in mind there are other key elements, for example customer support and discount availability, that might make a lower premium seem less attractive when the other areas of the business aren’t as good.

Companies that offer auto insurance coverage evaluate different elements when determining insurance rates, such as gender, driving violations, your credit score, years of driving experience, and whether or not your car is equipped with a theft protection device. Also bear in mind that premiums will alter from one company to another. Want to find out if you are still being charged the best premium? Look at cheap Casper auto insurance costs online!

Major Car Insurance Factors in Casper

At the time your auto insurance company sits down to build your plan, they take a lot of factors into consideration. Many of these, such as your car’s make/model or perhaps your particular location, are usually impossible to modify. Here are various other examples:

  • Your Zip Code

Where you park your car every night will have a significant impact on your auto insurance rate. Generally, car insurance cost less in outlying regions simply because fewer automobiles indicate a reduced likelihood that you’ll get in a wreck with another car. The populace of Casper is 59,628 and also the typical family income is $31,475.

Auto Insurance by Zip Code Legend: Rock Springs Casper Cheyenne Gillette Laramie Grange State Farm Allstate 5 10 15 20 25 30 35 40 45 $15 $16 $18 $16 $15 $17 $22 $19 $17 $16 $40 $46 $38 $34 $33

 

  • Automotive Accidents

Casper doesn’t have an alarmingly high rate of fatal accidents for a city of its size, but the numbers in the chart below might be enough to trigger local insurance providers to raise rates in your zip code. To make sure you aren’t being over-charged, contact your agent. You might even want to ask about Safe Driving discounts.

Fatal Accidents in Casper, WY Legend: Casper Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 1 2 3 4 5 3 5 2 3 5 1

 

  • Auto Thefts in Casper

Anti-theft technologies are usually a powerful way to protect yourself from auto robbery. They are relatively inexpensive, simple to have set up, and once operational, require little effort from you. And best of all, many insurance providers will gladly offer you a discount on your car insurance simply for having one! Within Casper, there were only 85 auto thefts in 2013. So even though thefts in Casper are low, you may still benefit from adding Comprehensive coverage to your policy.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Grange State Farm Allstate 20 40 60 80 100 120 $16 $124 $22 $81 $46 $76

 

  • Your Credit Score

Getting a bad credit score can make many facets of your existence harder and costly compared to what they most likely ought to be – and automotive insurance is among such things. With a bad credit score, you may expect nearly a 300% rise in premium costs. But not all providers will charge so much more for poor credit, so it helps to shop around.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Grange State Farm Allstate 5 10 15 20 25 30 35 40 $13 $32 $13 $39 $42 $29

 

  • Your Age

And if you feel a bad credit score will lift up your rates, the fact is that an undesirable credit rating can’t even hold a candle to what you will probably end up paying for being a college-age student, or worse – a teen. Attempt to make certain you receive A’s and B’s and have a driver’s education course, since there are discount rates readily available for such efforts.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Grange State Farm Allstate 15 30 45 60 75 90 105 120 135 150 165 180 $16 $63 $22 $62 $46 $181

 

  • Your Driving Record

Insurance providers calculate your rate according to their financial risk. For those who have violations in your driving history, it’s much more likely they’re going to have to cover repairs in order to replace your automobile following a future accident. However, some providers are currently offering “accident forgiveness” discount rates for individual motorists who’ve had a small blemish or two on their own record.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Grange State Farm Allstate 5 10 15 20 25 30 35 40 45 50 55 $16 $15 $16 $16 $22 $26 $26 $15 $46 $16 $15 $59

 

  • Your Vehicle

Regardless if you legally needed to or just choose to, it’s smart to purchase just as much insurance policy as you will have to safeguard your automobile in each and every possible scenario. Therefore, the greater it might cost to correct or replace your automobile, the greater coverage you will have to buy – and also the greater your premiums is going to be consequently.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Grange State Farm Allstate 20 40 60 80 100 120 140 160 180 200 $16 $116 $22 $94 $46 $214

 

Minor Car Insurance Factors in Casper

The next factors might also influence your monthly insurance bill:

  • Your Marital Status

Married people get plenty of monetary perks, and insurance bundling is one. Although single motorists can bundle various insurance plans together for savings too, married people can get the most from it, because there’s much more of something to bundle!

  • Your Gender

Insurance providers like hard, raw data. And regarding gender and driving, there’s hardly any scientific data which for sure states one gender ought to be billed greater than another according to proven risk. For this reason a lot of companies are phasing out the concept of calculating rates according to gender.

  • Your Driving Distance to Work

For the vast majority of drivers in Casper, the average commute time shouldn’t last more than 10 or 15 minutes each way. But one factor which may be contributing to your high insurance rates is the fact that you’ll be sharing the road with 80% of the population who insist on driving their own truck or car to work alone. An additional 12% carpool, and around 2% work from home.

If you feel driving less miles yearly could save you cash on your premiums, you’re correct – but, sadly, only to an extent. To get a 3-5% discount, you’d need to drive a minimum of 5,000 less miles than you probably did the year before. That’s a minimum of 14 miles every day, for one minor rate reduction.

  • Your Coverage and Deductibles

If you prefer a lower monthly premium, you can test it out by raising your deductible. Just place a little money aside, in case the worst happens. If you lift up your deductible and afterwards end up looking to file claims, you’ll have to pony up that cash before your automobile will get fixed or replaced if necessary.

  • Education in Casper, WY

The most common level of education in Casper is that of a high school diploma, as demonstrated by the 29% of residents who have one. Beyond that, there are just under 19% of people who have one year (if not more) of college experience. But the more education you have, the lower your auto insurance bill will be…this is because providers give preferential rates to motorists with bachelor’s degrees or higher.

Casper College is an institution of higher learning in both the figurative as well as the literal sense. The campus is built up into the lower foothills of Casper Mountain and offers 50 different majors, GED assistance, and free basic education for adults who require it. There are additional educational opportunities for Casper residents who are willing to commute to nearby Laramie or the Natrona County International Airport.

Auto insurance is without doubt one of the most important investments you will make as a consumer. You must be sure to find a good, dependable agency that is able to follow through on their promises. Various auto insurance companies are greater at this as opposed to others, and performing a thorough web based hunt may help you separate the beneficial from the poor.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Wyoming Insurance Department

Wyoming Division of Banking

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

All set to compare rates? Learn how much you could save!

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