Car Insurance Quotes

Reasons you should purchase Auto insurance through us:

• Teen Driver Discounts/Programs—three discounts totaling up to 12%.
  • Safe Driver—teens and their parents participate in a short presentation regarding safe driving and complete a contract for discount.
  • Good Student—teens with GPA above 3.0 eligible.
  • Driver Training—teens that have completed a state approved drivers education course eligible.

• Homeowners discount—customers with a homeowners policy with any insurance carrier are eligible.
• Package discount—customers with another NFU policy are eligible.
• 3-year accident and violation free discount
• Multi-vehicle discount—customers with 2 or more private passenger vehicles are eligible
• Longevity discount—customers with 3 or more years of continuous insurance coverage are eligible.
• Proactive customer discount—customers who quote with NFU at least 7 days prior to their current policy expiration are eligible.
• Paid in full discount—Customers who pay six month’s worth of premium up front are eligible.

Gillette WY Auto Insurance

1. What is comprehensive (or other than collision) coverage? This is a physical damage coverage for your vehicle that pays for accidental damage caused by anything not specifically excluded by the policy. These include: 

• Breakage of glass
• Hail, water or flood
• Fire
• Theft or larceny
• Explosion or earthquake
• Windstorm
• Missiles or falling objects
• Malicious mischief or vandalism
• Riot or civil commotion
• Contact with a bird or animal 

2. What is Uninsured/underinsured motorists BI coverage? Covers bodily injury for you or anyone else in your vehicle when the other party in an accident is at-fault and has no insurance or lower bodily injury liability limits than you have on your policy. Limits will appear with a per person and per accident limit. Example: 100/300 means $100,000 in Bodily injury per person and $300,000 in Bodily injury per accident regardless of how many people are injured.
   
   NFU does not offer uninsured/underinsured property damage coverage—this is covered under collision coverage. 

3. Why shouldn't’ I purchase a policy with state minimum liability limits?
   
   Every state has different minimum liability limits. Wyoming requires a minimum of $25,000 per person in bodily injury coverage, $50,000 per accident in bodily injury coverage and $20,000 in Property damage coverage. With the rising cost of health care and value of vehicles, these limits do not provide much protection for an accident with serious injuries or more than one vehicle involved. Most customers will purchase limits of $100,000 per person/$300,000 per accident/$100,000 property damage with Uninsured/Underinsured limits of $100,000 per person/$300,000 per accident.  

• Loan/Lease Gap—pays the difference between the Actual Cash Value of the insured vehicle and what is still owed on the loan or lease in the case of a total loss.
• Rental Reimbursement—Covers expenses for a rental car when your car is in the shop for a comprehensive or collision claim. This coverage can save you money and aggravation when you are short a vehicle.
• Towing—very inexpensive ($8 per vehicle per six month term), this coverage pays for towing or roadside assistance up to $300 with no deductible. This coverage applies to lockouts, running out of gas, breakdowns, flat tires, etc. 

While QBE Farmers Union Insurance is our preferred company, and usually has the best rates, we do offer coverage through several other companies.

Here are some useful auto-related links:

• Verify Vehicle Information at Carfax
• Kelley Blue Book Values
• NADA Pricing & Values
• Wyoming Road Report

We offer auto insurance coverage through the following companies:

• QBE Farmers Union Insurance Auto Insurance
• Progressive Auto Insurance
• Bristol West Auto Insurance
• Dairyland Auto Insurance

For a Wyoming auto insurance quote, please call us directly at (307) 682-5788 or you can use the online quote request form and we will get right back with you.