Free Guide to Cutting Costs on Bernice Auto Insurance Online

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Believe me, there are many people just like you.

You have so many to buy insurance from, and although it's a good thing to have a choice, lots of choices makes it harder to compare rates.

Pricing the lowest cost auto insurance coverage in Bernice is quite easy. Just about every driver who is required by state law to have auto insurance stands a good chance to be able to lower their premiums. But Louisiana vehicle owners do need to know how the larger insurance companies market on the web and apply this information to your search.

Compare the Market for Auto Insurance in Bernice

Most major insurance companies like Allstate, GEICO and Progressive give coverage price quotes directly from their websites. Getting online quotes doesn't take a lot of time as you just enter the coverage amounts you desire as detailed in the form. Behind the scenes, their system will obtain credit information and your driving record and returns a price based on these and other factors. Being able to quote online makes it a lot easier to compare rates but having to visit a lot of sites and complete many quote forms can get tiresome after awhile. But it's very important to have as many quotes as possible in order to get better auto insurance pricing.

The easy way to compare rates

A less time-consuming method to find better auto insurance pricing requires only one form to get prices from several different companies. The form is fast, eliminates form submissions, and makes price shopping online a little more enjoyable. As soon as the form is sent, your coverage is rated and you are able to buy any one of the returned quotes.

If a lower price is quoted, it's easy to complete the application and buy the new coverage. This process takes 15 minutes at the most and may result in a nice savings.

To quickly find out what other companies charge, click here to open in new window and enter your vehicle and coverage information. If you currently have coverage, we recommend that you enter the limits and deductibles identical to your current policy. This way, you will get a fair comparison based on similar coverages.

Learn How to Buy Auto Insurance Cheaper

It's important that you understand the rating factors that come into play when calculating auto insurance rates. Knowing what controls the rates you pay helps enable you to make changes that could result in better auto insurance rates.

Liability coverage is peace of mind - The liability section of your policy provides coverage if a jury decides you are liable for damages caused by your negligence. Liability provides for a legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
Safer cars are cheaper to insure - Safer cars tend to have better insurance rates. Safe vehicles have better occupant injury protection and better occupant protection means lower claim amounts and thus lower rates.
Rates may be higher depending on your occupation - Occupations such as lawyers, executives and financial analysts are shown to have higher average rates because of stressful work requirements and long work hours. Conversely, occupations such as actors, engineers and the unemployed pay the least.
Men fork out a little more - Statistics demonstrate that women are safer drivers than men. However, don't assume that men are WORSE drivers than women. Men and women are in accidents in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Men also tend to have more aggressive citations like reckless driving and DUI.
Small claims can cost you - Auto insurance companies in Louisiana give lower rates to people who do not rely on their insurance for small claims. If you are a frequent claim filer, you can expect higher rates. Car insurance is intended to be relied upon for the large, substantial claims.
A clean driving record saves money - Whether or not you get tickets has a lot to do with how much you pay for insurance. Only having one moving violation may increase your cost forty percent or more. Drivers with clean records have lower premiums than people who have multiple driving citations. Drivers with severe tickets like hit and run, DWI or reckless driving convictions are required to submit a SR-22 form with the DMV in their state in order to drive a vehicle legally.
Special features that cut premiums - Choosing a vehicle with an alarm system can get you a discount on your auto insurance. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your vehicle from being stolen.

These discounts can lower your rates

Insurance can cost an arm and a leg, buy you may qualify for discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you quote, but less common discounts must be specially asked for prior to getting the savings.

Club Memberships - Affiliation with a qualifying organization could trigger savings when buying auto insurance.
Military Discounts - Having a family member in the military can result in better rates.
Federal Government Employee - Simply working for the federal government can earn a discount up to 10% depending on your company.
Senior Discount - Older drivers can possibly qualify for a discount up to 10%.
No Claims - Drivers with accident-free driving histories can save substantially when compared with frequent claim filers.
Drivers Education - Require your teen driver to enroll in driver's education in high school.
Discount for Good Grades - Getting good grades can save 20 to 25%. This discount can apply up to age 25.
Pay Upfront and Save - If paying your policy premium upfront rather than paying monthly you could save 5% or more.
Homeowners Discount - Owning a home in Bernice may earn you a small savings because of the fact that having a home is proof that your finances are in order.

Consumers should know that many deductions do not apply the the whole policy. Some only reduce individual premiums such as physical damage coverage or medical payments. So even though they make it sound like you could get a free auto insurance policy, companies don't profit that way. But all discounts will bring down the cost of coverage.

For a list of insurers with the best auto insurance discounts in Louisiana, click this link.

Much more information about auto insurance in Louisiana can be found on the website for the Louisiana Department of Insurance located here. Louisiana drivers can find out which companies have the most complaints, find disaster information, read industry bulletins, and learn about insurance regulations.

Affordable insurance is out there

Discount auto insurance is definitely available on the web in addition to many Bernice insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies do not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

Throughout this article, we presented many ideas to lower your auto insurance rates. The key concept to understand is the more rate comparisons you have, the better chance you'll have of finding lower rates. Consumers may even find the lowest priced auto insurance comes from the least-expected company. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as .