Tips on how to save money on auto rates...

• Choose a higher deductible on collision and comprehensive coverage.
• Remove collision and/or comprehensive coverage on older cars.
• Eliminate any overlaps in personal injury protection (PIP) coverage between your accident insurance and your health insurance.
• Enroll in a car pool or take advantage of public transit.
• Don't drive unnecessarily, since rates are determined in part on the amount and type of driving.
• Shop for a car that is reasonably priced with good performance records and safety features like airbags, seat belts and anti-lock brakes.
• Drive defensively. Tickets and at-fault accidents can increase your rates for up to three years.
• Beware of geographic rate differentials. Living in less urban areas reduces rates.
• Take a defensive driving course. Many insurance companies offer discounts to drivers who get a B or better.
• Contact your local independent insurance agent, who can shop around for you and explain exactly what is covered by different policies.

Additional Coverages: Extra coverage that can be purchased to provide protection above and beyond that provided in the original or standard policy (e.g., purchasing a higher amount of coverage against the theft of jewelry). When such additional coverage is purchased, it becomes an Endorsement or Rider to the original policy.

Association of Wyoming Insurance Agents
		P.O. Box 799 Sundance, WY 82729-0799 Voice: (307) 283-2052 Fax (775) 796-3122 Email: awia@vcn.com