Quote Breaux Bridge Auto Insurance Prices With These Tricks

Saving money on Breaux Bridge auto insurance is nearly impossible for consumers new to shopping for insurance online. People have so many companies to choose from that it can easily become a challenge to find the best price in Breaux Bridge.

It's important to shop coverage around before your policy renews because prices are constantly changing. If you had the best deal a year ago a different company probably has better rates today. Starting right now, forget all the misinformation about auto insurance because you're going to get a crash course in the proper way to find better rates and still maintain coverage.

Buying car insurance in Breaux Bridge is easy if you know what you're doing. If you have car insurance now, you should be able to save some money using these methods. But Louisiana drivers do need to know how companies determine prices and take advantage of how the system works.

Save big with these discounts

Companies that sell car insurance don't list every available discount very clearly, so here is a list both well-publicized and the harder-to-find ways to save on auto insurance.

Multi-policy Discount - If you have multiple policies with the same company you will save up to 20% off your total premium.
Claim Free - Claim-free drivers can earn big discounts compared to drivers who are more careless.
Pay Upfront and Save - If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
Save over 55 - If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums.
Clubs and Organizations - Participating in a qualifying organization could trigger savings on your policy.
Low Mileage - Keeping the miles down can qualify you for better rates on cars that stay parked.
Drivers Education - Make teen driver coverage more affordable by requiring them to take driver's ed class in high school.
More Vehicles More Savings - Insuring multiple cars or trucks on one policy qualifies for this discount.
One Accident Forgiven - Certain companies will allow you to have one accident before your rates go up if you are claim-free prior to the accident.

Consumers should know that many deductions do not apply to the entire cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, companies don't profit that way.

Tips to Get Lower Breaux Bridge Rates

Smart consumers have a good feel for the rating factors that come into play when calculating the price you pay for auto insurance. Knowing what controls the rates you pay empowers consumers to make smart changes that can help you get lower auto insurance prices.

The list below includes some of the factors used by your company to calculate your rates.

How many coverages with the same company - The majority of auto insurance companies give discounts to customers who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, it's in your best interest to compare other company rates to verify if the discount is saving money. Consumers may find better rates by buying insurance from more than one company.
Rates may be lower depending on your job - Occupations like doctors, executives and financial analysts have higher average rates in part from stressful work requirements and lengthy work days. Conversely, professions such as farmers, engineers and the unemployed get better rates.
Lower rates with optional equipment - Driving a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder your vehicle from being stolen.
Older drivers pay less - Teen drivers in Louisiana tend to be less responsible in a vehicle so they pay higher auto insurance rates. Mature drivers tend to be more responsible, tend to file fewer claims and receive fewer citations.
Liability coverage is peace of mind - The liability section of your policy will protect you in the event that a court rules you are at fault for personal injury or accident damage. It will provide legal defense coverage starting from day one. Liability is cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
Safer cars are cheaper to insure - Cars with high safety ratings tend to have better insurance rates. Safer cars protect occupants better and lower injury rates translates into fewer and smaller insurance claims and thus lower rates.
Sex matters - The statistics show that women are safer drivers than men. However, don't assume that women are BETTER drivers than men. Women and men tend to get into accidents at about the same rate, but men cause more damage and cost insurance companies more money. Men also have more aggressive citations such as DWI and reckless driving.
Frequent auto insurance claims increase rates - Insurance companies in Louisiana give lower rates to people who do not file claims often. If you tend to file frequent claims, you can look forward to higher rates. Auto insurance is designed for major claims that would cause financial hardship.

Auto insurance ads bend the truth

Companies like Allstate and Progressive regularly use ads on TV and radio. All the ads make the same claim that you'll save big if you move your coverage to them. How does each company make almost identical claims? This is how they do it.

All companies can use profiling for the type of customer that earns them a profit. An example of a preferred risk could possibly be between 25 and 40, is a homeowner, and has excellent credit. A customer getting a price quote who matches those parameters will get very good rates and most likely will save when switching.

Drivers who fall outside these standards will be charged a higher premium which leads to the driver buying from a lower-cost company. The ads say "drivers who switch" not "people who quote" save that much money. That's why companies can make those claims. That is why drivers should get quotes from several different companies. It's impossible to know the company that will have the lowest rates.

Learn more today

More detailed Louisiana auto insurance information is available at the Louisiana Department of Insurance website. Louisiana consumers can read consumer alerts, read industry bulletins, and view a list of available companies.

Affordable insurance is out there

While you're price shopping online, it's very important that you do not skimp on coverage in order to save money. Too many times, an accident victim reduced liability limits or collision coverage only to find out they didn't purchase enough coverage. The aim is to find the BEST coverage for the lowest price, not the least amount of coverage.

Insureds who switch companies do it for any number of reasons including policy non-renewal, high rates after DUI convictions, unfair underwriting practices and even not issuing a premium refund. Whatever your reason, switching auto insurance companies is less work than it seems.

Discount auto insurance is possible online as well as from independent agents in Breaux Bridge, so you should compare both to have the best selection. Some companies don't offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.