Easy Methods to Save Money on Boyce Car Insurance

Searching for the lowest cost Boyce car insurance on the web is impossible for consumers not familiar with comparison shopping online. With so many choices of online companies, how can consumers even start to compare every company to locate the cheapest available price?

Be sure to get all your discounts

Insurance can be prohibitively expensive, but there are discounts available to help offset the cost. Larger premium reductions will be automatically applied when you quote, but less common discounts must be specifically requested prior to getting the savings.

  • Fewer Miles Equal More Savings - Keeping the miles down could be rewarded with better rates on cars that stay parked.
  • Own a Home - Owning a home in Boyce may earn you a small savings because of the fact that having a home shows financial diligence.
  • Pay Upfront and Save - If paying your policy premium upfront instead of paying each month you can actually save on your bill.
  • Accident Waiver - Certain companies will forgive one accident before raising your premiums so long as you haven't had any claims for a certain period of time.
  • Sign Early and Save - Some insurance companies reward drivers for switching to them before your current expiration date. It can save you around 10%.
  • Good Student Discount - A discount for being a good student can save 20 to 25%. Earning this discount can benefit you up to age 25.

As a disclaimer on discounts, many deductions do not apply to all coverage premiums. Most only apply to individual premiums such as liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, car insurance companies aren't that generous. Any amount of discount will bring down the amount you have to pay.

To see a list of insurers with the best car insurance discounts in Louisiana, click this link.

car insurance in Boyce

Which Car Insurance is Cheapest in Boyce, Louisiana?

There are several ways to compare car insurance quotes, but some are easier and takes less work. You can waste a lot of time discussing policy coverages with insurance agencies in Boyce, or you could save time and use the internet to achieve your goal.

Many insurance companies participate in an industry program that allows shoppers to only type in their quote data once, and each company provides a quote for coverage. This system prevents you from having to do quotation requests to each individual car insurance company.

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

One minor caviat to comparing rates this way is you are unable to specify which carriers to get pricing from. So if you want to choose individual companies to compare rates, we put together a list of car insurance companies in Louisiana. View list of Louisiana insurance companies.

It doesn't matter which method you choose, just ensure you are comparing identical deductibles and coverage limits on every quote you get. If you use different values for each quote it will be impossible to determine which rate is truly the best in Boyce. Having just a slight variation in coverages can make a big difference in price. Just remember that quoting more helps locate better pricing.

What determines how much you pay?

An important part of buying insurance is that you know the rating factors that come into play when calculating your car insurance rates. Knowing what impacts premium levels allows you to make educated decisions that could result in better car insurance rates.

The list below includes a partial list of the pieces companies use to determine premiums.

  • Don't buy coverages you don't need - There are a lot of add-on coverages that you can get tricked into buying on your policy. Coverages for vanishing deductibles, accidental death and motor club memberships may be wasting your money. These may sound like a good investment when you first buy your policy, but if you don't need them eliminate them to save money.
  • Being married can save on car insurance - Having a wife or husband actually saves money on your car insurance policy. Having a spouse is viewed as being more responsible and it's proven that married drivers get in fewer accidents.
  • Special features that cut premiums - Purchasing a vehicle with an alarm system can get you a discount on your car insurance. Anti-theft devices like GM's OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your vehicle from being stolen.
  • Sex matters - Statistics have proven that women are safer drivers than men. However, don't assume that women are better drivers. Men and women have accidents in similar numbers, but the male of the species cause more damage and cost insurance companies more money. Men also tend to have more aggressive citations such as reckless driving.
  • More performance means more cost - The performance of the vehicle you are insuring makes a big difference in determining your rates. The lowest rates are generally reserved for lower performance four cylinder passenger models, but other factors influence the final cost greatly.
  • How's your driving record? - Good drivers have lower premiums than people who have multiple driving citations. Only having one moving violation can increase rates by as much as thirty percent. Drivers with severe tickets like DWI, reckless driving or hit and run convictions are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to drive a vehicle legally.

Is there truth in advertising?

21st Century, Allstate and State Farm regularly use television and radio advertisements. All the companies make the same claim about savings if you move to them. How does each company make the same claim?

Different companies have a preferred profile for the type of driver that is profitable for them. For instance, a profitable customer could be a mature driver, insures multiple vehicles, and has excellent credit. A customer who matches those parameters is entitled to the best price and is almost guaranteed to save when switching.

Potential customers who don't measure up to these standards must pay a higher premium which leads to business going elsewhere. Company advertisements say "customers that switch" but not "drivers who get quotes" save money. This is how companies can truthfully make those claims.

This illustrates why drivers must compare as many rates as you can. Because you never know which insurance companies will have the lowest rates.

The best insurance company isn't always the cheapest

Cheap car insurance is possible from both online companies and with local Boyce insurance agents, and you need to price shop both to have the best rate selection. Some companies do not offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

Insureds who switch companies do it for a number of reasons such as delays in responding to claim requests, an unsatisfactory settlement offer, unfair underwriting practices or denial of a claim. Regardless of your reason, choosing a new insurance company is actually quite simple.

We just showed you many ideas to compare car insurance prices online. The key concept to understand is the more companies you get rates for, the better chance you'll have of finding lower rates. Drivers may discover the best price on car insurance is with a small local company.

Additional information is located on the Louisiana Department of Insurance website located here. Consumers can discover disciplinary actions, get help finding coverage, and view a list of available companies.