Comparison Shop Bonita Auto Insurance Prices With These Techniques

Searching for affordable Bonita auto insurance on the internet is impossible for consumers not familiar with online price comaprisons. With so many choices of insurance companies available, how can you even start to compare every company to locate the lowest price available?

It's important to take a look at other company's rates yearly since insurance rates are constantly changing. If you had the best rates a few years ago the chances are good that you can find a lower rate today. You can find a lot of misleading information regarding auto insurance online but I'm going to show you some great ways to save money.

Policy discounts you shouldn't miss

Companies offering auto insurance don't list all their discounts very well, so the following is a list of some of the best known and the harder-to-find auto insurance savings.

Accident Waiver - Some insurance companies will allow you to have one accident before raising your premiums as long as you don't have any claims prior to the accident.
New Vehicle Savings - Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
Service Members Pay Less - Having a deployed family member can result in better rates.
Bundle and Save - When you combine your home and auto insurance with one company you could get a discount of up to 20% off your total premium.
Government Employees - Being employed by or retired from a federal job can save as much as 8% with select insurance companies.
Senior Discount - Mature drivers can possibly qualify for better auto insurance rates.

As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, auto insurance companies aren't that generous.

To see a list of companies with the best auto insurance discounts in Louisiana, follow this link.

How to Get Cheap Auto Insurance in Bonita, LA

The are a couple different ways to compare rate quotes from local Bonita auto insurance companies. The best method to find competitive insurance rates consists of shopping online. This can be done using a couple different methods.

The best way to get quotes for comparison is a comparison rater form (click to open form in new window). This method keeps you from doing repetitive form entry for every auto insurance company. A single, simple form will return price quotes direct from many companies. This is by far the quickest method.
A harder way to shop for auto insurance online consists of visiting each individual company website and complete a new quote form. For example, we'll pretend you want comparison quotes from , and . To get rate quotes you would need to visit each site to enter your coverage information, and that's why the first method is more popular.

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

Whichever way you use, make sure you use apples-to-apples deductibles and coverage limits on every quote. If you have different values for each quote it will be very difficult to make a fair comparison in Bonita. Just a small difference in coverages may cause a big price difference. And when comparing auto insurance rates, know that obtaining a wide range of quotes provides better odds of finding better pricing.

Bonita Rates are Influenced by These Factors

An important part of buying insurance is that you know some of the elements that come into play when calculating auto insurance rates. When you know what positively or negatively impacts premium levels enables informed choices that may reward you with lower auto insurance prices.

Marriage pays dividends - Getting married actually saves money when buying auto insurance. It means you're more responsible it has been statistically shown that married drivers get in fewer accidents.
Lower miles equals lower premium - The more you drive in a year's time the more you will pay for auto insurance. Most insurance companies price each vehicle's coverage based upon how you use the vehicle. Vehicles left parked in the garage get more affordable rates compared to those used for work or business. Make sure your auto insurance policy properly reflects the correct driver usage.
Car features impact rates - Purchasing a vehicle with anti-theft technology or alarm system can help lower your rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your car from being stolen.
Discounts for multiple policies - The majority of companies will give a discount to people who have multiple policies with them, otherwise known as a multi-policy discount. Even if you're getting this discount it's in your best interest to compare rates to ensure the best deal.
Rates may be lower depending on your job - Jobs such as real estate brokers, architects and stock brokers tend to have the highest rates in part from high stress levels and lengthy work days. On the other hand, occupations like pilots, students and the unemployed receive lower rates.

Insurance agents can help

When choosing coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone's situation is unique.

For example, these questions can help discover whether your personal situation will benefit from professional help.

I have good health insurance, so how much medical payments coverage do I need?
Who is covered when they drive my vehicle?
Am I covered when pulling a rental trailer?
Am I covered when driving in Canada or Mexico?
Why am I required to get a high-risk car insurance policy?
Should I buy additional glass protection?
Should I rate my vehicle as pleasure use or commute?

If you don't know the answers to these questions then you might want to talk to a licensed insurance agent. If you don't have a local agent, fill out this quick form.

Save $429 a year? Really?

Auto insurance companies such as State Farm, GEICO and Progressive regularly use television and radio advertisements. They all seem to say the same thing about savings if you move to their company. But how can every company say the same thing? This is how they do it.

All companies have a preferred profile for the driver that is profitable for them. A good example of a desirable insured might be profiled as between the ages of 40 and 55, has no prior claims, and has a short commute. A propective insured who fits that profile will get very good rates and is almost guaranteed to save a lot of money.

Consumers who don't qualify for this ideal profile will have to pay higher rates which usually ends up with business not being written. The ads say "drivers who switch" but not "drivers who get quotes" save that much. This is how companies can truthfully make the claims of big savings. Because of the profiling, drivers must get a wide range of price quotes. It's not possible to predict which insurance companies will fit your personal profile best.

Do the work, save more money

Cheap auto insurance is possible on the web and also from your neighborhood Bonita agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance providers may not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

As you shop your coverage around, do not reduce coverage to reduce premium. In many cases, consumers will sacrifice collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to find the BEST coverage for the lowest price.

Consumers who switch companies do it for any number of reasons including an unsatisfactory settlement offer, delays in paying claims, unfair underwriting practices or policy non-renewal. No matter why you want to switch, switching auto insurance companies is actually quite simple.

Learn more about auto insurance in Louisiana

Even more information can be read at the Louisiana Department of Insurance website. Louisiana drivers can get help finding coverage, file complaints about an insurance agent or broker, and view a list of available companies.

Additional helpful sites include this site for Louisiana auto insurance information and see this list of insurance agents in Bonita.