Whether you drive a sports car in a larger city like Cheyenne or drive a truck on a farm up in the mountains, you are probably concerned about finding the cheapest car insurance in Wyoming. There are lots of ways to save money on your car insurance that go above and beyond things like comparison shopping online for car insurance and asking for the discounts you might already be aware of. The key to finding the cheapest car insurance in WY is understanding how car insurance companies calculate what to charge for car insurance and doing your best to affect these calculations.

Car insurance companies figure out your insurance premiums by crunching numbers to determine how likely it is that you might get into an accident, damage your vehicle or get your vehicle stolen. They use demographic information about people, vehicles, and their driving habits to come to these conclusions. You can make sure you get the cheapest car insurance in Wyoming by being a safe driver of a safe car, for starters.

Other demographic information that you can change to get the cheapest car insurance in Wyoming is how much you drive. If you’re on the road all the time, you’re more likely to be in an accident, so lowering the number of miles you drive per week can lower the likelihood that you’ll get in an accident and your car insurance premiums at the same time. If you’ve been in a few accidents or have some traffic violations on your record, you can take safe driver courses to lower your car insurance premiums as well.

Even though you want to get the cheapest car insurance in Wyoming, you have to make sure you get enough car insurance according to state law. Wyoming state law requires minimum bodily injury liability limits of at least $25,000 per injured person and $50,000 per accident. Wyoming drivers must also have property damage liability car insurance coverage with a minimum limit of $20,000. Even though just buying these minimum amounts of coverage can get you lower car insurance premiums, it’s not the only way to get the cheapest car insurance in WY, USA.

Remember these tips and tricks to getting the cheapest car insurance in WY. First, start your search for the cheapest car insurance in Wyoming by entering information about you and your car here for a free online quote on low cost Wyoming car insurance. Make sure that you’re getting quotes for at least the Wyoming state minimums. Then follow up with the car insurance companies on your list by talking to an agent. When you’re on the phone, make sure to ask for discounts for specific situation. Then ask about combining different insurance coverage. By following these steps, you can drive with peace of mind, knowing that you got the cheapest car insurance in Wyoming.