Tightwads Instructions on Saving on Bush Auto Insurance

Overpriced auto insurance can overdraw your checking account and force you to prioritize other expenses. Shopping your coverage around is free and is an excellent way to lower your monthly bill.

Lots of contend to insure your vehicles, and because of this it can be hard to compare to find the absolute lowest price

It's important to check auto insurance prices yearly since insurance rates are constantly changing. If you had the best deal a few years ago you can probably find a better price now. So just ignore everything you know about auto insurance because it's time to teach you the proper way to save money, get proper coverage and the best rates.

What determines how much you pay?

Consumers need to have an understanding of the rating factors that come into play when calculating auto insurance rates. Understanding what influences your rates allows you to make educated decisions that may reward you with big savings.

The list below includes some of the factors companies use to determine rates.

With age comes lower rates - More mature drivers are viewed as being more responsible, file fewer claims and tend to be better behind the wheel. Teenage drivers tend to be less responsible when driving therefore auto insurance rates are much higher.
Where do you drive? - The more you drive in a year's time the more you will pay for auto insurance. Most companies price each vehicle's coverage based on their usage. Autos not used for work or commuting can get a lower rate as compared to vehicles used primarily for driving to work. Ask your agent if your auto insurance policy is showing the correct driver usage, because it can save money.
Rates may be higher depending on your occupation - Jobs such as doctors, executives and accountants tend to pay higher rates than average due to high stress and lots of time spent at work. On the flip side, jobs such as pilots, athletes and the unemployed have the lowest average rates.
Do you have enough liability coverage? - The liability section of your policy is the protection if ever a jury decides you are liable for damages from an accident. Liability insurance provides legal defense coverage which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should carry high limits.
Drive a safer car and pay less - Vehicles with good safety scores tend to have better insurance rates. These vehicles result in less severe injuries and better occupant protection translates into savings for insurance companies and lower rates for you.

More discounts equal less premium

Companies offering auto insurance don't always list all their discounts in an easy-to-find place, so here is a list some of the best known and also the lesser-known ways to save on auto insurance.

College Student - Any of your kids who live away from home without a vehicle on campus may be able to be covered for less.
New Vehicle Savings - Insuring a new car can cost up to 25% less due to better safety requirements for new cars.
Accident Free - Drivers who don't have accidents can earn big discounts as compared to accident-prone drivers.
Organization Discounts - Affiliation with certain professional organizations could trigger savings on auto insurance.
Military Rewards - Having a family member in the military can result in better rates.

Keep in mind that many deductions do not apply to your bottom line cost. Most only reduce specific coverage prices like liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, it just doesn't work that way.

To choose companies with the best auto insurance discounts in Bush, click this link.

Switch companies and save? Really?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use ads in print and on television. They all seem to make the same claim that you can save if you move to them. How do they all say the same thing? It's all in the numbers.

All the different companies have a preferred profile for the type of driver that makes them money. An example of a desirable insured might be profiled as between 25 and 40, has no prior claims, and has a short commute. A propective insured who matches those parameters will get the preferred rates and therefore will cut their rates substantially.

Drivers who do not match the "perfect" profile will have to pay a higher premium which leads to business not being written. The ads state "customers who switch" not "everyone that quotes" save money. This is how insurance companies can make the claims of big savings. Because of the profiling, you should get as many quotes as possible. It's not possible to predict which insurance companies will fit your personal profile best.

It's not one size fits all

When buying proper insurance coverage for your personal vehicles, there is no one size fits all plan. Every situation is different so this has to be addressed. Here are some questions about coverages that can help discover if you would benefit from an agent's advice.

Do I pay less if my vehicle is kept in my garage?
Can I still get insurance after a DUI?
Will I be non-renewed for getting a DUI or other conviction?
Am I getting all the discounts available?
Do I have coverage when using my vehicle for my home business?
Why am I required to buy high-risk coverage?
Are rental cars covered under my policy?

If it's difficult to answer those questions, you might consider talking to an agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Learn more about auto insurance in Louisiana

Additional detailed information is available at the Louisiana Department of Insurance website. Louisiana drivers can read enforcement actions against agents and companies, file complaints about an insurance agent or broker, read industry bulletins, and find out which companies have the most complaints.

The best insurance company isn't always the cheapest

As you shop your coverage around, never buy poor coverage just to save money. There are many occasions where consumers will sacrifice liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible at the best price.

In this article, we covered many ideas to save on auto insurance. The key concept to understand is the more times you quote, the better chance you'll have of finding lower rates. You may be surprised to find that the most savings is with some of the smallest insurance companies. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as .