Easy Methods to Save Money on Basile Car Insurance

If you're new to shopping for car insurance online, it's easy to get confused by the hoards of car insurance companies all offering big savings in Basile.

How much can you save with discounts?

Properly insuring your vehicles can get expensive, but you may find discounts to cut the cost considerably. Certain discounts will be applied when you purchase, but some must be requested specifically before being credited.

  • Federal Employees - Active or retired federal employment can earn a discount up to 10% with a few car insurance companies.
  • Good Student - Performing well in school can save 20 to 25%. The discount lasts well after school through age 25.
  • Distant Student - Youth drivers who live away from home and do not have access to a covered vehicle can receive lower rates.
  • Anti-lock Brakes - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Multiple Policy Discount - If you have multiple policies with one company you may earn 10% to 20% off each policy.

Keep in mind that some of the credits will not apply to the entire policy premium. A few only apply to individual premiums such as comp or med pay. So even though it sounds like you would end up receiving a 100% discount, it just doesn't work that way. But any discount will help reduce the amount you have to pay.

How much car insurance do I need?

When it comes to buying proper insurance coverage for your vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight if your insurance needs might need an agent's assistance.

  • Am I covered if I drive in a foreign country?
  • Do I need to file an SR-22 for a DUI in Louisiana?
  • What are Louisiana no-fault laws?
  • Do I need PIP (personal injury protection) coverage in Louisiana?
  • Am I covered when driving in Canada or Mexico?
  • Should I drop comprehensive coverage on older vehicles?

If you can't answer these questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, complete this form.

Save 15 percent in 15 minutes? Is it for real?

Car insurance providers like Progressive, Allstate and GEICO continually stream television and radio advertisements. They all have a common claim that you can save after switching to them. But how can every company claim to save you money?

Different companies have a certain "appetite" for the type of driver that earns them a profit. An example of a driver they prefer might be between the ages of 30 and 50, a clean driving record, and has a high credit rating. Any driver that hits that "sweet spot" receives the best rates and is almost guaranteed to save a lot of money.

Consumers who don't meet this ideal profile will be quoted higher prices and this can result in the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save money. That is how insurance companies can state the savings.

This emphasizes why you should compare many company's rates. You cannot predict which company will have the lowest rates.

More information is available on the Louisiana Department of Insurance website located here. Visitors are able to download brochures, file complaints about a company, and read enforcement actions against agents and companies.

Also read more on this site for car insurance rates in Louisiana and this list of insurance agents in Basile.

Louisiana car insurance

Shop smart and save

Drivers change insurance companies for a number of reasons such as extreme rates for teen drivers, poor customer service, not issuing a premium refund and even policy cancellation. It doesn't matter what your reason, choosing a new insurance company is less work than it seems.

We just presented a lot of techniques to reduce car insurance prices online. The most important thing to understand is the more price quotes you have, the better your comparison will be. Consumers may even find the lowest rates come from the least-expected company.

As you restructure your insurance plan, do not buy lower coverage limits just to save a few bucks. There are too many instances where someone dropped liability limits or collision coverage only to find out that they should have had better coverage. Your strategy should be to buy enough coverage at a price you can afford while still protecting your assets.