Wyoming Auto Insurance Legal Requirements, Fatality Statistics, Info

According to the National Highway Traffic Safety Administration, Wyoming had 275 accidents in 2008 that caused fatalities. Of these accidents, 179 of the deaths were the passengers, not the drivers, and 167 were single car accidents caused by speeding, distractions, or unsafe driving conditions. Seventy of the individuals who died were not wearing their seatbelts. What is the importance of this information to you? Well, besides the clear message to be careful when you drive, every accident that occurs in your area affects your Wyoming auto insurance rates.

Wyoming allows you to show proof of auto insurance in one of three ways. You can provide proof of private auto insurance from an insurance company that is licensed to insure drivers in the State of Wyoming. You can secure a bond with a surety company. Or, you can deposit $25,000 dollars with the state treasurer. It is recommended by the state that you choose the private insurance option as it does not depend on your providing a large amount of money up front.

If you choose the private auto insurance option, then you will be required to carry $25,000 of bodily injury per person, $50,000 bodily injury per accident and $20,000 of property damage coverage. In this tort state, if you cause an accident you will be held financially responsible. This means that if your insurance policy does not cover all of the damages caused in the accident, then you will be required to pay the difference out of pocket. This is why it is important that you consider carrying more than your minimum amount of auto insurance coverage.

As a resident, you will be happy to know that the average cost of Wyoming auto insurance has decreased by $200 since August 2009, although there was an increase of 13% compared to September of last year. Nationally there was a decrease of about $120 on auto insurance, making the national average $1794 and the Wyoming average $1,674. If your rates have not decreased, then you should consider using a free car insurance rate quote tool to save money on your car insurance.

If you want to save money on your auto insurance, there are things that an insurer will consider when you apply for a quote. First of all, your driving record will determine how much your insurance will cost. Wyoming's Department of Transportation will keep track of all of your driving violations, which will show up in your driver's report. Your insurance company will use that report to determine how good of a driver you are and what your rates will be.

Also, your Wyoming auto insurance premiums will be determined by the type of car you drive. You want to drive a car with safety features such as anti-lock breaks, air bags, and anti-theft devices. Each feature provides you with a discount from the insurance company than can quickly add up to significant savings. In addition, consider not allowing teen drivers drive your vehicles as having a teen driver increases your rates exponentially. Make sure that you ask for all available discounts before you agree to a rate on your auto insurance.

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$50,000 worth of cumulative bodily damage coverage for each accident is required on your Wisconsin auto insurance policy.

The annual average costs for Wyoming auto insurance policies are currently reported to be $1674.

Check additional valuable information of your State Insurance department organization.
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