You must have car insurance to drive in the state of Wyoming but that doesn’t mean you can’t save money on your rates. There are a number of discounts available that will cut down on the premiums you pay to insure your vehicle. You must carry the minimum liability required by law for your state, but when you add on to your policy your premiums are going to move up accordingly. Here are some discounts that you may be entitled to that could lower your auto insurance rates.
Safety Features
Anything that you can add to your vehicle to protect it from theft or vandalism will not only entitle you to a discount, it will help you out in the long run. Adding anti-theft devices may actually prevent the theft of your vehicle in the first place. And a retrieval system like a LoJack would be vital in locating it if it were stolen.
Anti Lock Brakes and Air Bags
There is a discount for anti lock brakes, especially for all four wheels, as it could play a factor in the severity of an accident if one to occur. And the protection of you and your passengers could be affected in a big way if you have factory installed drivers seat and passenger side air bags. Some companies are even adding side air bags to cut down on the impact when cars are hit from that angle.
Hybrids and Alternative Fuel
One of the newest discounts is for green machines. If you drive an electric car or a hybrid vehicle, you could qualify for this discount. There are vehicles being created every day that are using alternative fuels other than gasoline to power them so let your insurance agent know if you have purchased one of these types of cars.
More than one Car
This is one of the easiest discounts to qualify for as if you have more than one vehicle you are most likely going to cover it under the same insurance agency. The multi car discount applies as long as all of the drivers live in the same household.
Being a Safe Driver
Keeping your driving record clean of accidents and traffic tickets saves you money all the way around. You don’t have to pay deductibles towards any repairs from an accident and you don’t have to pay any fines for traffic tickets. Add this to a lower insurance rate and you have a win-win situation.
Bundling
Bringing all of your insurance needs to one company will get you a discount as companies vie for your business. Having your car insurance in the same place as your home, health, life or rental insurance just makes it easier for you as well.
Good Student
Keeping your grades up will get you into a good college and it can also save you money on your car insurance. Maintaining a B average or making the dean’s list or a grade point average of 3.0 or higher will entitle you to a good student discount. You just have to be a high school or college student under 25 years of age. You may also be entitled to this discount if you have been home schooled by meeting the proper proof of eligibility.
