Top Ways to Save on Blanchard Car Insurance

Expensive car insurance can dwindle your bank account, especially in this economy. Comparison shopping is free and is an excellent way to slash your bill and have more diposable income. With consumers having so many different company options, it can be diffult for consumers to choose the right provider.

It's important to compare rates quite often since rates are constantly changing. Just because you had the lowest price six months ago there may be better deals available now. There is a lot of wrong information about car insurance online, so I'm going to show you some great ways to stop overpaying for insurance.

Louisiana car insurance quotes

Policy discounts you shouldn't miss

Car insurance companies don't list all their discounts very well, so we researched both the well known and the harder-to-find ways to save on car insurance. If you don't get every credit you deserve, you're just leaving money on the table.

  • Auto/Life Discount - Companies who offer life insurance give a break if you buy life insurance.
  • Save with a New Car - Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Early Signing - Select companies give a discount for buying a policy before your current policy expires. This can save 10% or more.
  • Good Student Discount - Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
  • Bundle and Save - When you have multiple policies with one company you could get a discount of at least 10% off all policies.
  • Accident Waiver - Some insurance companies will allow you to have one accident without raising rates as long as you don't have any claims for a set time period.

As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears adding up those discounts means a free policy, car insurance companies aren't that generous.

For a list of companies offering car insurance discounts in Louisiana, click this link.

Low Cost Blanchard Car Insurance

Finding a better price on car insurance can be relatively painless. Consumers just need to spend a few minutes comparing rates provided by online insurance companies. This can be accomplished in a couple of different ways.

One of the best ways to find the lowest comparison rates is a comparison rater form (click to open form in new window). This form saves time by eliminating boring form submissions for each company you want a rate for. One form will return quotes from all major companies.

A more time consuming way to shop for car insurance online is to take the time to go to the website for each individual company to complete a price quote. For examples sake, let's say you want comparison quotes from , and . To get each rate you have to take the time to go to each site and enter your information, and that's why the first method is more popular.

For a list of links to companies insuring cars in Blanchard, click here.

It doesn't matter which method you choose, just make darn sure you compare apples-to-apples coverages and limits for every company. If the quotes have different deductibles you will not be able to decipher which rate is best in Blanchard.

Insurance agents can help

When it comes to choosing the best car insurance coverage for your personal vehicles, there really is no "best" method to buy coverage. Every insured's situation is different so this has to be addressed. For example, these questions may help you determine whether your personal situation may require specific advice.

  • When does my teenage driver need to be added to my policy?
  • Should I file a claim if it's only slightly more than my deductible?
  • Does my car insurance cover rental cars?
  • Should I buy only the required Louisiana minimum liability coverage?
  • What is the difference between comprehensive and collision coverage?
  • Does my policy cover me when driving someone else's vehicle?
  • Am I covered when driving in Canada or Mexico?
  • Do I have coverage for damage caused while driving under the influence?

If it's difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It's fast, free and may give you better protection.

Best coverage at the best price

As you restructure your insurance plan, don't be tempted to sacrifice coverage to reduce premiums. In many instances, drivers have reduced collision coverage and learned later that they should have had better coverage. The ultimate goal is to get the best coverage possible for the lowest price.

We just covered many ideas to get a better price on car insurance. The key thing to remember is the more rate quotes you have, the better likelihood of reducing your rate. Drivers may discover the biggest savings come from a lesser-known regional company. These companies may have significantly lower rates on certain market segments compared to the large companies like .

Cheap car insurance is available both online and also from your neighborhood Blanchard agents, and you should be comparing both in order to have the best chance of saving money. Some insurance companies may not provide online quoting and most of the time these small, regional companies sell through independent agents.