Wyoming Car Insurance Quote
On average residents of Wyoming paid $796 in car insurance in 2003. The national average for the same year was $914. It is the belief that car insurance rates are fixed by insurance carriers as well as state regulatory agencies. But competitive and better rates are available to all residents of Wyoming and the best way to find them is through quotecarinsurance.com. Within Wyoming rates have changed, as in 1999 the average car insurance premium was $642 and in 2003 it was $796, which is a 23.99% increase. Because of rising rates quotecarinsurance.com is a great site to look for the best and most affordable car insurance rates possible.
It is the expectation that 2007 will see the first decrease in car insurance rates since 1999. There is to be a .5%-1% decrease in these rates from the year 2006. This change has been made possible from sites such as quotecarinsurance.com. This is because these sites, with the use of technology, bring competition directly to the consumer making it so that they can pick exactly the car insurance policy that is right for them.
There are minimum state requirements for car insurance in the state of Wyoming. A Tort system is used in Wyoming, which means a person has to be at fault in an accident and they and their insurance carrier are responsible for the damages stemming from the accident. The Tort system details vary from state to state therefore if you live in another state besides Wyoming you should check with the laws of that state. Under the state law of Wyoming there is a minimum Body Injury Liability of $25,000 per person and up to $50,000 for each accident. The Property Damage minimum is for $20,000. This type of basic coverage is called 25/50/20 coverage.
There is also optional Uninsured/Underinsured Motorist coverage and Personal Injury Protection (PIP) coverage but Wyoming law does not require it. Uninsured/Underinsured Motorist coverage will cover injuries by a driver that does not have insurance. PIP coverage will help to pay for medical expenses for you, the driver, and your passengers that are "reasonable and necessary." Both of these types of coverage can give you extra protection but are not a requirement. You should look into these options if you believe you need them with your car insurance policy.
There is no different between a risky driver and a driver with a perfect driving record, as quotecarinsurance.com will find the best rates possible for car insurance for any driver on the road. It is important to have a good auto insurance policy that will protect you, as well as others, in case an accident does occur. Quotecarinsurance.com is always improving our website and services in order to make it better for our customers and their car insurance needs. It is as simple at putting in your zip code and finding out how much you can save on car insurance. Quotecarinsurance.com is the easiest way to find the best car insurance rates in Wyoming.