Before you start looking for a Wyoming Car Insurance company, you should first familiarize yourself with the state’s minimum liability requirements. And these series of requirements can be summed up simply as 25/50/20, or in more elaborate terms:
$25,000 per person injury coverage
$50,000 per accident injury coverage
$20,000 property damage coverage per accident
What these requirements mean is that you cannot begin driving your car (or any car for that matter) unless you have sufficient car insurance coverage. Don’t take this the wrong way though. It’s merely a precautionary measure, and one which is exercised by all other states so as to prevent unnecessary civil law suits among motorists.
Also, liability car insurance is considered to be the most basic form of car insurance coverage, and will cover most kinds of damages associated with car or traffic accidents. So in one sense, car insurance requirements is the state government’s way of introducing their citizens to the idea of car insurance.
Of course, once you have complied with Wyoming’s minimum liability requirements, you should consider getting additional kinds of coverage. Despite being considered a relatively quiet state, Wyoming, does have its fair share of traffic related problems.
For example, given the variety of wildlife in Wyoming, it’s not surprising how thousands of people run into wild animals every year. In most cases, these accidents can simply be dismissed as unfortunate incidents. However, every now and then, a motorist could end up hitting a moose or a similar large (or endangered) animal. And when that happens, you can be sure that a wider car insurance coverage can be very helpful.
However, in order to get a wide coverage, you will need to find an affordable car insurance provider first. And in order to do that, it’s important to consider how much money you can expect to spend on your premiums. Last 2010, the average monthly premium in Wyoming cost around $130, and therefore somewhat cheaper than the average monthly insurance premium of the rest of the US at the time, which was around $150.
As important as the average cost of Wyoming car insurance may be, you should also keep in mind that is not fixed. The average cost is simply a general representation of what car insurance in Wyoming costs. Generally speaking if you live in a large city, your premiums will be higher than the state average. On the other, living in small towns and farm areas, you can expect lower premiums.
Remember also that the average cost of premiums change all the time. It’s entirely possible to have your insurance costs to increase or decrease by 30% in just one year. And it is for that very reason why you need to expand your options as much as possible. The more quotes you have the more informed you will be when it comes to making your decision, so that when it’s time to decide about your car insurance coverage, you will know exactly which suits your needs in the long run.
DUI Laws in Wyoming
Another important issue that you should consider is the effects of drunk drivers on Wyoming car insurance companies. It goes without saying that drunk drivers are a liability to a lot of people, including their friends, family and yes, insurance companies.
People who are charged with DUI’s can expect the following penalties:
6 Months Worth of Jail Time
$750 in Fines
90 Days Worth of License Suspension
Mandatory Installation of an Ignition Interlock Device
Substance Abuse Assessment
Take note that these penalties are only for first time offenders however. For people who have had subsequent violations, the penalties will of course be much stricter. And also, DUI’s will have a big impact on what kind of premiums a particular DUI offender will end up paying.
As drivers, people with DUI’s are statistically more likely to cause (or become the victim of) traffic accidents. And considering how car insurance companies are always concerned about those factors which seem to lead to traffic accidents, they are more likely to increase the premiums of those clients who have a DUI on their record.The only solution to this kind of problem is to simply not drive around drunk. Discipline is, of course, important, but what you have to understand is that even if you feel fine, a BAC (Blood Alcohol Content) test will decide whether you’re drunk driving or not. So in any case, it’s big financial risk to drive a car even with just a bottle of beer. You never know what will come out in a BAC test.
Stolen Cars in Wyoming
As you might guess, stolen cars are a constant source of trouble for many car insurance companies; and because of this, car insurance companies are always thinking about increasing the premiums of their clients who seem to have a very high risk of getting their cars stolen.
Among the factors which lead Wyoming car insurance to consider the potential risk of their motorists with regards to car theft is the model of their cars. In Wyoming, as in many other states, certain types of cars are more likely to get stolen than others. In 2010, these cars include:
1989 Ford F-250
1997 Ford Explorer
1999 GMC Sierra 1500
1999 Chevrolet Suburban
2008 Dodge Ram 1500
1994 Ford F-150
1999 Toyota Camry
1996 Ford F-350
1997 Chevrolet C/K 1500
2004 Chevrolet Cavalier
So if you can find your car on the list above, there’s a very good chance that you’ll get higher premiums. However, you should also remember that car theft overlaps with several other factors, and that it’s not just about what kind of car you drive. Your place of residence, your willingness to install alarms and locks on your car, the presence of a garage as part of your home and even your place of work can help prevent higher premiums. In some cases, these factors may even reduce your car insurance costs. So don’t lose hope. There are plenty of options that you can try to reduce your car insurance costs, provided you are able to pick the right insurance company.
$25,000 per person injury coverage
$50,000 per accident injury coverage
$20,000 property damage coverage per accident
What these requirements mean is that you cannot begin driving your car (or any car for that matter) unless you have sufficient car insurance coverage. Don’t take this the wrong way though. It’s merely a precautionary measure, and one which is exercised by all other states so as to prevent unnecessary civil law suits among motorists.
Also, liability car insurance is considered to be the most basic form of car insurance coverage, and will cover most kinds of damages associated with car or traffic accidents. So in one sense, car insurance requirements is the state government’s way of introducing their citizens to the idea of car insurance.
Of course, once you have complied with Wyoming’s minimum liability requirements, you should consider getting additional kinds of coverage. Despite being considered a relatively quiet state, Wyoming, does have its fair share of traffic related problems.
For example, given the variety of wildlife in Wyoming, it’s not surprising how thousands of people run into wild animals every year. In most cases, these accidents can simply be dismissed as unfortunate incidents. However, every now and then, a motorist could end up hitting a moose or a similar large (or endangered) animal. And when that happens, you can be sure that a wider car insurance coverage can be very helpful.
However, in order to get a wide coverage, you will need to find an affordable car insurance provider first. And in order to do that, it’s important to consider how much money you can expect to spend on your premiums. Last 2010, the average monthly premium in Wyoming cost around $130, and therefore somewhat cheaper than the average monthly insurance premium of the rest of the US at the time, which was around $150.
As important as the average cost of Wyoming car insurance may be, you should also keep in mind that is not fixed. The average cost is simply a general representation of what car insurance in Wyoming costs. Generally speaking if you live in a large city, your premiums will be higher than the state average. On the other, living in small towns and farm areas, you can expect lower premiums.
Remember also that the average cost of premiums change all the time. It’s entirely possible to have your insurance costs to increase or decrease by 30% in just one year. And it is for that very reason why you need to expand your options as much as possible. The more quotes you have the more informed you will be when it comes to making your decision, so that when it’s time to decide about your car insurance coverage, you will know exactly which suits your needs in the long run.
DUI Laws in Wyoming
Another important issue that you should consider is the effects of drunk drivers on Wyoming car insurance companies. It goes without saying that drunk drivers are a liability to a lot of people, including their friends, family and yes, insurance companies.
People who are charged with DUI’s can expect the following penalties:
6 Months Worth of Jail Time
$750 in Fines
90 Days Worth of License Suspension
Mandatory Installation of an Ignition Interlock Device
Substance Abuse Assessment
Take note that these penalties are only for first time offenders however. For people who have had subsequent violations, the penalties will of course be much stricter. And also, DUI’s will have a big impact on what kind of premiums a particular DUI offender will end up paying.
As drivers, people with DUI’s are statistically more likely to cause (or become the victim of) traffic accidents. And considering how car insurance companies are always concerned about those factors which seem to lead to traffic accidents, they are more likely to increase the premiums of those clients who have a DUI on their record.The only solution to this kind of problem is to simply not drive around drunk. Discipline is, of course, important, but what you have to understand is that even if you feel fine, a BAC (Blood Alcohol Content) test will decide whether you’re drunk driving or not. So in any case, it’s big financial risk to drive a car even with just a bottle of beer. You never know what will come out in a BAC test.
Stolen Cars in Wyoming
As you might guess, stolen cars are a constant source of trouble for many car insurance companies; and because of this, car insurance companies are always thinking about increasing the premiums of their clients who seem to have a very high risk of getting their cars stolen.
Among the factors which lead Wyoming car insurance to consider the potential risk of their motorists with regards to car theft is the model of their cars. In Wyoming, as in many other states, certain types of cars are more likely to get stolen than others. In 2010, these cars include:
1989 Ford F-250
1997 Ford Explorer
1999 GMC Sierra 1500
1999 Chevrolet Suburban
2008 Dodge Ram 1500
1994 Ford F-150
1999 Toyota Camry
1996 Ford F-350
1997 Chevrolet C/K 1500
2004 Chevrolet Cavalier
So if you can find your car on the list above, there’s a very good chance that you’ll get higher premiums. However, you should also remember that car theft overlaps with several other factors, and that it’s not just about what kind of car you drive. Your place of residence, your willingness to install alarms and locks on your car, the presence of a garage as part of your home and even your place of work can help prevent higher premiums. In some cases, these factors may even reduce your car insurance costs. So don’t lose hope. There are plenty of options that you can try to reduce your car insurance costs, provided you are able to pick the right insurance company.
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