Can I lower my car insurance coverage on a 2018 Honda Civic in Wyoming?

"I'm a 27-year-old woman with a clean driving record. I drive a 2018 Honda Civic.

I carry bodily injury limits of $25,000/$50,000 and a property damage limit of $20,000. I also have full coverage. Is there any way to lower this to reduce my cost?"

“You are currently carrying the state minimum car insurance required in Wyoming. You wouldn’t be able to reduce your bodily injury or property damage limits any further.
You do have the option of raising your comprehensive insurance and collision car insurance deductible to lower your rate, or you can drop these coverages altogether. Just make sure that you can either afford to pay a higher deductible out of pocket or replace your vehicle if it’s totaled.
Since you’re fairly limited in what you can do currently, it may be worth looking at other carriers. You may be able to find more affordable car insurance than what you’re currently paying. A clean driving record may also qualify you for good driving discounts with other carriers. “
Emily Maracle
Answered on May 14, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.

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