Car Insurance in Bogalusa, LA - 9 Tips to Save Money

Having to pay for overpriced car insurance can empty your checking account and make it impossible to make ends meet. Comparing price quotes is a smart way to reduce premiums and put more money in your pocket.

Numerous battle to insure your vehicles, and because of this it can be hard to compare to get the lowest price

If you have car insurance now, you stand a good chance to be able to save some money using these techniques. Choosing the best insurance company for you in Bogalusa is quite easy. Nevertheless, Louisiana car owners do need to know the way insurance companies price insurance differently and take advantage of how the system works.

Don't pay full price with these nine discounts

Companies offering auto insurance don't always list all available discounts in an easy-to-find place, so here is a list some of the more common and the harder-to-find car insurance savings.

Multiple Vehicles - Having multiple vehicles on one policy qualifies for this discount.
Accident Waiver - A few companies will allow you to have one accident before your rates go up so long as you haven't had any claims prior to the accident.
Discount for Life Insurance - Larger companies have lower rates if you buy a life insurance policy as well.
Anti-theft Discount - Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
Claim Free - Drivers who don't have accidents can earn big discounts when compared with drivers who are more careless.
Student Driver Training - Make teen driver coverage more affordable by requiring them to enroll in driver's education if it's offered in school.
Driver Safety - Completing a driver safety course could cut 5% off your bill if you qualify.
Good Student Discount - Performing well in school can get you a discount of up to 25%. The discount lasts well after school through age 25.
Student in College - Children who live away from home and do not have access to a covered vehicle may be able to be covered for less.

Consumers should know that most of the big mark downs will not be given to all coverage premiums. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, companies don't profit that way.

The car insurance bait and switch

Allstate, GEICO and Progressive continually stream ads in print and on television. All the companies say the same thing of big savings after switching your coverage to them. How do they all make the same claim? This is how they do it.

All companies have a preferred profile for the type of customer that earns them a profit. An example of a profitable customer could be a mature driver, insures multiple vehicles, and has great credit. Any new insured who fits that profile is entitled to the best price and therefore will cut their rates substantially.

Potential customers who don't measure up to the "perfect" profile must pay a higher premium which usually ends up with business going elsewhere. Company advertisements say "drivers who switch" not "everyone that quotes" save that much money. This is how insurance companies can confidently advertise the savings. This illustrates why drivers should get as many quotes as possible. It's just too difficult to predict which insurance companies will fit your personal profile best.

For more Louisiana car insurance information

More tips and info about car insurance is available at the Louisiana Department of Insurance website. Consumers can find out which companies have the most complaints, get help finding coverage, file complaints about an insurance agent or broker, and report car insurance fraud.

Shop smart and save

Cost effective car insurance can be purchased from both online companies as well as from independent agents in Bogalusa, and you need to price shop both to have the best rate selection. There are still a few companies who don't offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

When you buy insurance online, never skimp on coverage in order to save money. In too many instances, drivers have reduced liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. Your focus should be to buy enough coverage for the lowest price while not skimping on critical coverages.