Wyoming Car Insurance

Anyone operating a motor vehicle on roads and highways in the State of Wyoming is required to carry auto insurance. Drivers are required to show proof of Wyoming auto insurance coverage before registering their vehicle with the DMV, and all drivers must carry their proof of liability insurance at all times. In the State of Wyoming, driving without insurance is a misdemeanor, and people that are caught driving without insurance could face a minimum fine of $250.00 up to a maximum fine of $750.00. Second offense fines range from $500.00 to $1500.00, and both first and second time offenders could also face jail time. There are auto insurance agents who can assist drivers with finding Wyoming auto insurance quotes that will suit their budgets and keep them protected.

Requirements

In Wyoming, insurance policies must include liability coverage in the minimum amount. Amounts are $25,000.00 per person for bodily injury, $50,000.00 per accident for bodily injury, and $20,000.00 for property damage. Uninsured and underinsured motorist coverage is not a requirement in Wyoming due to the fact that it is a tort state. It is a common practice for insurance agents in Wyoming to encourage their customers to carry higher insurance coverage than the state minimum due to this fact. Wyoming residents also have the option of excluding one household member from their auto insurance policy, and they are also legally allowed to request that their insurance company draw up a policy that excludes certain household members from their policy due to their driving history. If a member is excluded due to their risk factors, the insurance company will not be liable if they decide to drive the car anyway and cause an accident. It is also legal to dictate Wyoming car insurance quotes based on a driver's personal credit history. They can use credit history to determine whether a driver will be required to pay monthly or quarterly premiums, and credit history can also help determine the final cost of the insurance plan. If a policy holder lets their Wyoming auto insurance plan lapse, they will be dropped from the plan immediately and will also have to deal with a suspended license. It is important for drivers to stay current on their car insurance payments in order to avoid these types of issues.

Auto Insurance Carriers and Ratings

If a driver is looking to find the best deal on car insurance as well as a plan that will suit their driving needs, they can compare Wyoming car insurance ratings online and also read reviews on various carriers before making a decision. Farmer's Insurance company is popular in Wyoming and has a five-star rating in customer satisfaction. Geico Insurance is another well known insurance company that also has a five-star customer rating. Customers can contact the agencies directly, or they can view their specific Wyoming auto insurance ratings and reviews online.

Seat Belt Usage

In 2008, Wyoming had the highest fatality rate in the nation due to passengers being ejected from cars because they were not wearing seat belts. Out of 149 driving related deaths that were reported in Wyoming in 2010, 68.5 % were not wearing seatbelts. In 2012, there is higher usage of seat belts, and this is widely attributed to the Wyoming Seat Belt Coalition, which is working tirelessly to promote seat belt safety and laws. If a Wyoming driver is pulled over and is found to not be wearing a seat belt, they are required to pay a fine of $25.00, and if a passenger is found to not be wearing a seat belt, they are required to pay a $10.00 fine. Wearing seat belts reduces the possibility of serious or fatal injuries, and Wyoming is working hard to make sure that they enforce this law in order to keep their citizens as safe as possible.

Roads and Road Conditions

The Wyoming Travel Advisory issues road condition reports on their website, and drivers can obtain information about road construction and weather issues that may affect their route or driving conditions. Wyoming is a state that has the four seasons, so rain and snow are often factors in accidents, and drivers have to take extra precautions while driving. Road construction is common in every state, and it is always a good idea to check the areas where construction work is taking place in order to avoid delays and accidents. Wyoming contains a lot of rural and farming areas, and in these areas roads can be bumpy and uneven; snow can cause additional driving issues. Drivers living in rural areas are encouraged to update their vehicles with snow tires or chains when the winter weather is at its peak. Trucks are popular vehicles in Wyoming, and their sturdy builds help assist drivers when they are facing heavier terrain.

Thefts

Wyoming has a lower amount of auto thefts compared to the rest of the nation due to the fact that it is remote from major urban areas, but it still has its share of theft and property damage. In 2008, Cheyenne, Wyoming was ranked at 236, and in 2009 it moved to 207. In today's economy, crime is unfortunately rising due to the fact that people are out of work and in need of money. Car owners can take extra precautions by adding an alarm system to their cars, and they can discuss their options with their Wyoming auto insurance agent. There are also affordable anti-theft devices that can be purchased at auto supply stores, and these work well to deter theft, as many potential auto thieves will move on to the next vehicle if they are aware of an anti theft device.

Most Stolen Vehicles In Wyoming

People that steal vehicles don't always steal a fancy sports car or expensive model. Cars are often salvaged, and the value is in the materials that the vehicle is made from. There are also specific models that can be sold off easier, so all vehicle owners are at risk. The top ten most stolen vehicles in Wyoming are as follows:

1. 2008 Dodge Ram

2. 1997 Chevrolet Full Size Pickup

3. 1999 GMC Full Size Pickup

4. 1994 Ford F 150 Series Pickup

5. 1989 Ford F 150 Series Pickup

6.1997 Ford Explorer

7. 2004 Chevrolet Cavalier

8. 1999 Toyota Camry

9. 1999 Chevrolet Suburban

10.1996 Ford F 350 Series Pickup

Each state varies on its auto insurance requirements, but the one commonality is that all drivers must have some sort of policy in place. There are Wyoming cheap car insurance policies available that can assist individuals that may be on a tight budget, and there are various online sites where people can compare Wyoming auto insurance ratings and quotes in order to find a plan that suits not only their driving needs but also their financial situations. The consequences for driving without insurance are too high to go without it and take the risk, no matter how safe and qualified a driver may be.

http://insurance.state.wy.us/