Free Guide to Paying Less for Amite Car Insurance Online

Expensive car insurance can empty your savings account and put the squeeze on your family's finances. Comparison shopping is free, only takes a few minutes, and is a good way to make sure you're not throwing money away.

Because you have many different company options, it's nearly impossible to locate the most cost effective insurance company.

It's important to compare prices yearly because rates are constantly changing. Just because you found the lowest price last year a different company probably has better rates today. There is a lot of wrong information about car insurance on the internet, so I'm going to show you some great ways to find cheap car insurance.

Policy discounts you shouldn't miss

Companies that sell car insurance don't always advertise all their discounts very well, so we researched some of the more common and the more hidden savings tricks you should be using.

Life Insurance - Companies who offer life insurance give a break if you buy a life insurance policy as well.
Own a Home - Owning a house in Amite can help you save on car insurance because maintaining a house shows financial diligence.
Good Student Discount - Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
Seat Belts Save - Requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.
No Accidents - Drivers who don't have accidents pay much less as compared to drivers who are more careless.
Multiple Cars - Buying insurance for all your vehicles on one policy could earn a price break for each car.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, car insurance companies aren't that generous.

Good Decisions Result in Lower Rates

Smart consumers have a good feel for the different types of things that play a part in calculating your car insurance rates. When you know what positively or negatively impacts premium levels enables informed choices that may reward you with lower car insurance prices.

Shown below are a partial list of the pieces car insurance companies consider when setting rates.

Big city or small town - Residing in a rural area can be a good thing when it comes to car insurance. Drivers who live in large cities tend to have much more traffic and longer commute times. Fewer drivers translates into fewer accidents as well as less vandalism and auto theft.
The more you drive the more you pay - The higher the mileage driven in a year's time the more you will pay for car insurance. Most insurance companies rate vehicles based upon how you use the vehicle. Cars and trucks left parked in the garage receive lower rates compared to those used for work or business. Make sure your car insurance declarations sheet properly reflects the correct usage for each vehicle, because improper ratings can cost you money.
Higher deductibles cost less - Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some instances where coverage would apply are colliding with a building, damage caused by hail, or theft. Deductibles for physical damage are how much you are willing to pay out-of-pocket in the event of a claim. The more you are required to pay out-of-pocket, the bigger discount you will receive.
What type of vehicle do you drive? - The performance of the car you own makes a big difference in determining your rates. The most favorable rates are generally reserved for lower performance four cylinder passenger cars, but there are many factors that impact the final cost.
How's your driving record? - Careful drivers receive lower rates than their less careful counterparts. Even one moving violation can boost insurance rates by as much as thirty percent. Drivers who have dangerous citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to prevent a license revocation.

Insurance agents can help

When it comes to buying the best car insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone's needs are different so your insurance should reflect that For example, these questions can help discover whether your personal situation would benefit from professional advice.

When does my teenage driver need to be added to my policy?
What happens if I owe more than my vehicle is worth?
When do I need to add a new car to my policy?
Does my car insurance cover rental cars?
Do I need to file an SR-22 for a DUI in Louisiana?
Does my policy cover my teen driver if they drive my company car?
Why am I be forced to buy a membership to get insurance from some companies?

If you're not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Save $429 a year? Really?

Car insurance companies such as GEICO, State Farm and Progressive consistently run television and radio advertisements. They all seem to make an identical promise about savings if you change to their company. But how can every company make the same claim?

All companies have a preferred profile for the driver that earns them a profit. For instance, a desirable insured could be a mature driver, has no prior claims, and drives newer vehicles. A customer who meets those qualifications gets the lowest rates and is almost guaranteed to save a lot of money.

Potential customers who don't qualify for this ideal profile will have to pay a higher premium and ends up with business going elsewhere. Company advertisements say "people who switch" but not "drivers who get quotes" save that much. This is how companies can truthfully claim big savings. Because of the profiling, drivers should get quotes from several different companies. Because you never know which insurance companies will give you the biggest savings.

Learn more about car insurance in Louisiana

Even more information is located at the Louisiana Department of Insurance website. Consumers can view agent and company licensing information, file complaints about an insurance agent or broker, report car insurance fraud, and learn about specific coverages.

Also read more on Wikipedia and this page where you can research Amite insurance agents.

Shop smart and save

When trying to cut insurance costs, don't be tempted to skimp on coverage in order to save money. In many instances, consumers will sacrifice collision coverage and learned later that it was a big mistake. The ultimate goal is to buy the best coverage you can find at an affordable rate.

Cheap car insurance can be sourced from both online companies and also from your neighborhood Amite agents, and you need to price shop both to have the best rate selection. A few companies may not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

We just showed you many tips how you can reduce car insurance prices online. It's most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the best price on car insurance is with an unexpected company. Regional companies may have significantly lower rates on certain market segments compared to the large companies like .