Easy Methods to Pay Less on Baton Rouge Auto Insurance

If you are a novice to online auto insurance shopping, you can be overwhelmed because of the huge number of auto insurance companies competing for business in Baton Rouge.

Choosing the best insurance company for you in Baton Rouge is quite easy. If you have a current auto insurance policy or need a new policy, you will benefit by learning to shop for the lowest rates while maintaining coverages. Louisiana drivers only need an understanding of the most effective way to find the lowest price over the internet.

Learn How to Buy Auto Insurance Cheaper

Consumers need to have an understanding of some of the elements that help determine the rates you pay for auto insurance. Knowing what determines base rates helps enable you to make changes that will entitle you to lower auto insurance prices.

Drive a safer car and pay less - Cars with high safety ratings are cheaper to insure. The safest vehicles have better occupant injury protection and any reduction in injury severity means less money paid by your insurance company and thus lower rates.
Cautious drivers pay less - Drivers with clean records have lower premiums compared to drivers with tickets. Just one citation may increase your cost twenty percent or more. If you have flagrant violations like hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to keep their license.
Your spouse saves you money - Having a spouse can get you a discount when buying auto insurance. Having a significant other usually means you are more mature and responsible and it's proven that married couples file fewer claims.
More performance means more cost - The type of vehicle you are buying insurance for makes a huge difference in your rates. The lowest rates are for economy passenger vehicles, but there are many factors that impact the final cost.

Auto Insurance Comparison Rates in Baton Rouge, LA

Effectively comparing auto insurance prices can take hours if you don't understand the best way to get rate quotes. You can spend your afternoon talking to insurance agencies in Baton Rouge, or you could save time and use the web to achieve your goal.

Most of the larger companies are enrolled in a marketplace that enables customers to submit their information once, and at least one company provides a quote based on that information. This eliminates the need for quote forms to each individual auto insurance company.

To submit your quote information now, click here to open in new window.

One minor caviat to getting quotes like this is you are unable to specify which providers to get quotes from. So if you prefer to choose specific providers to compare, we have a listing of auto insurance companies in Louisiana. Click to view list.

It doesn't matter which method you choose, just be sure to compare identical quote information for each comparison quote. If the quotes have mixed coverages it's not possible to determine the lowest rate in Baton Rouge.

Don't pay full price with these discounts

Companies don't list every discount very clearly, so we took the time to find both the well known as well as the least known auto insurance savings. If you're not getting every credit you qualify for, you are paying more than you should be.

Military Discounts - Having a deployed family member may qualify for rate reductions.
Good Student - This discount can get you a discount of up to 25%. This discount can apply well after school through age 25.
Paperwork-free - Certain companies may give you up to $50 simply for signing over the internet.
Homeowners Savings - Simply owning a home may trigger a auto insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
Early Switch Discount - Some insurance companies reward drivers for buying a policy prior to your current policy expiration. It's a savings of about 10%.
Multiple Vehicles - Having multiple vehicles with the same company may reduce the rate for each vehicle.
Low Mileage Discounts - Fewer annual miles can earn lower rates on the low mileage vehicles.
Senior Citizens - If you're over the age of 55, you may be able to get a discount up to 10%.

Consumers should know that most credits do not apply to the entire policy premium. Most only reduce individual premiums such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, companies don't profit that way.

To choose insurance companies who offer auto insurance discounts in Louisiana, follow this link.

The auto insurance bait and switch

Consumers in Louisiana can't ignore all the ads for cheaper car insurance from companies such as State Farm, Allstate and GEICO. They all say the same thing of big savings after switching your policy.

How does each company claim to save you money?

All companies have a certain "appetite" for the right customer that makes them money. For example, a driver they prefer might be a mature driver, a clean driving record, and chooses high deductibles. A customer getting a price quote who fits that profile will get the preferred rates and therefore will save when switching.

Consumers who don't measure up to these standards will be quoted higher prices which usually ends up with the customer not buying. The ads state "customers that switch" not "everyone that quotes" save that kind of money. That is how insurance companies can confidently state the savings. This emphasizes why you need to get a wide range of price quotes. It's impossible to know which company will give you the biggest savings.

Your personal situation dictates your coverage

When buying the right insurance coverage for your vehicles, there isn't really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help highlight whether or not you would benefit from professional advice.

Do I have coverage when using my vehicle for my home business?
Do I need to file an SR-22 for a DUI in Louisiana?
Does my liability insurance cover pulling a trailer or camper?
Does my policy cover my teen driver if they drive my company car?
Does my car insurance cover rental cars?
Why am I required to buy high-risk coverage?

If you don't know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can help protect your family.

More tips and info about auto insurance can be found at the Louisiana Department of Insurance website. Visitors are able to find disaster information, file complaints about a company, and get help finding coverage.

In the end, you save

Consumers change insurance companies for a number of reasons such as unfair underwriting practices, poor customer service, an unsatisfactory settlement offer or even high prices. Regardless of your reason, choosing a new insurance company is easier than you think.

We covered a lot of tips how to compare auto insurance prices online. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. Consumers may even find the best price on auto insurance is with the least-expected company.

Cost effective auto insurance can be sourced both online in addition to many Baton Rouge insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies do not provide online price quotes and these regional insurance providers work with independent agents.