Top Ways to Save on Chauvin Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me, you're not alone.

You have so many to buy insurance from, and although it's a good thing to be able to choose, lots of choices makes it harder to compare rates.

It's important to price shop coverage every six months because prices are constantly changing. Just because you had the lowest price a year ago you can probably find a better price now. Block out anything you think you know about auto insurance because we're going to demonstrate the proper way to properly buy coverages while reducing your premium.

Learn How to Buy Auto Insurance Cheaper

Consumers need to have an understanding of some of the elements that go into determining the price you pay for auto insurance. Knowing what influences your rates helps enable you to make changes that may reward you with big savings.

Listed below are a partial list of the pieces that factor into rates.

Please use or commuting - The more miles you rack up on your car in a year the more you will pay for auto insurance. The majority of insurers apply a rate based on their usage. Vehicles not used for work or commuting receive lower rates than those used for commuting. Ask your agent if your auto insurance policy shows how each vehicle is driven, because improper ratings can cost you money.
Do you know your deductibles? - Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some examples of claims that would be covered could be collision with another vehicle, vandalism, and windstorm damage. Your deductibles are how much you are willing to pay if you file a covered claim. The more the insured has to pay upfront, the less your auto insurance will be.
Careful drivers pay lower rates - Your driving citation history has a lot to do with how much you pay for insurance. Just one citation may increase your cost by as much as thirty percent. Drivers with clean records get better rates than bad drivers. Drivers who have serious citations like hit and run, DWI or reckless driving convictions may need to file a SR-22 with their state DMV in order to continue driving.
With age comes lower rates - Teen drivers in Louisiana are statistically proven to be more careless when behind the wheel so they pay higher auto insurance rates. Older insureds are viewed as being more responsible, file fewer claims and receive fewer citations.
Liability insurance protects assets - Liability insurance provides coverage if ever a court rules you are at fault for damages caused by your negligence. It will provide legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to physical damage coverage, so buy as much as you can afford.
Optional equipment can affect rates - Choosing a vehicle with a theft deterrent system can get you a discount on your auto insurance. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.

Save big with these discounts

The price of auto insurance can be rather high, buy you may qualify for discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you purchase, but less common discounts must be specifically requested before being credited.

Discount for Life Insurance - Some companies give a discount if you purchase auto and life insurance together.
Homeowners Discount - Owning a house in Chauvin may trigger a auto insurance policy discount because owning a home shows financial diligence.
Discount for Good Grades - This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
Save over 55 - If you're over the age of 55, you may qualify for a discount up to 10%.
Organization Discounts - Participating in a qualifying organization could qualify you for a break on auto insurance.

It's important to note that most credits do not apply to all coverage premiums. Most cut specific coverage prices like collision or personal injury protection. So even though they make it sound like all those discounts means the company will pay you, you're out of luck. But any discount will bring down your overall premium however.

To choose companies offering auto insurance discounts in Louisiana, follow this link.

Auto insurance ads bend the truth

Auto insurance companies such as GEICO, State Farm and Progressive constantly bombard you with ads on TV and radio. They all seem to say the same thing that you can save if you switch your policy. How does each company make almost identical claims? It's all in the numbers.

All the different companies are able to cherry pick for the right customer that makes them money. For instance, a desirable insured could possibly be a mature driver, has no driving citations, and has excellent credit. A customer getting a price quote who fits that profile gets the lowest rates and most likely will save when switching.

Consumers who fall outside these standards will have to pay higher prices which usually ends up with the driver buying from a lower-cost company. The ads say "customers who switch" not "people who quote" save that kind of money. That's the way insurance companies can make those claims.

Because of the profiling, you should get as many comparisons as possible. It's impossible to know which auto insurance company will have the lowest rates.

Learn more about Louisiana auto insurance

More information is located on the website for the Louisiana Department of Insurance found here. Louisiana consumers can file complaints about an insurance agent or broker, report car insurance fraud, file complaints about a company, and read enforcement actions against agents and companies.

Final considerations

While you're price shopping online, it's very important that you do not buy poor coverage just to save money. In many instances, someone sacrificed liability coverage limits only to discover later they didn't purchase enough coverage. The ultimate goal is to purchase plenty of coverage at the best price.

Lower-priced auto insurance is available online in addition to many Chauvin insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some companies do not provide online price quotes and most of the time these small, regional companies sell through independent agents.

You just read a lot of information how to save on auto insurance. The key thing to remember is the more rate quotes you have, the better chance you'll have of finding lower rates. You may even find the best price on auto insurance is with a small mutual company. Some small companies often have lower prices on specific markets than their larger competitors like .