How to Get Cheap Clinton Auto Insurance

Buying low-cost Clinton auto insurance online can be rather challenging for consumers new to comparison shopping online. When there are so many companies competing online, how can consumers have a chance to compare the different rates to find the cheapest available price?

Tips to Get Lower Clinton Rates

Consumers need to have an understanding of the factors that go into determining the price you pay for auto insurance. Knowing what influences your rates empowers consumers to make smart changes that could result in much lower annual insurance costs.

Don't buy coverages you don't need - There are many add-on coverages that you can get tricked into buying on your auto insurance policy. Coverages for rental car reimbursement, accidental death and additional equipment coverage are some examples. These coverages may sound good when you first buy your policy, but now you might not need them so eliminate them to save money.
With age comes lower rates - Teen drivers in Louisiana are statistically proven to get distracted easily when driving so they pay higher auto insurance rates. Adding a teen driver onto a policy can be very expensive. More mature drivers are more responsible, statistically cause fewer accidents and get fewer tickets.
High credit ratings translate to low rates - A driver's credit score is a important factor in determining what you pay for auto insurance. If your credit history is lower than you'd like, you could save money insuring your by spending a little time repairing your credit. People with high credit scores tend to be more responsible than those with poor credit.
Rate your vehicle for proper use - The more miles you rack up on your car in a year's time the more you'll pay to insure your vehicle. Almost all companies apply a rate based on their usage. Cars used primarily for pleasure use receive lower rates than vehicles that are driven to work every day. Double check that your auto insurance policy shows how each vehicle is driven, because improper ratings can cost you money.
Choose a safe vehicle and save - Vehicles with high crash test scores get lower rates. Safe vehicles protect occupants better and lower injury rates translates into savings for insurance companies and thus lower rates.

These discounts can lower your rates

Companies offering auto insurance don't list all available discounts very clearly, so we researched both well-publicized as well as the least known discounts you could be receiving.

Defensive Driver - Successfully completing a course in driver safety could cut 5% off your bill if your company offers it.
Student in College - Youth drivers who are attending college and do not have a car can be insured at a reduced rate.
Anti-lock Brakes - Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
Life Insurance Discount - Some companies give a discount if you purchase life insurance.
Fewer Miles Equal More Savings - Driving fewer miles could be rewarded with a substantially lower rate.

Keep in mind that some of the credits will not apply to the overall cost of the policy. Some only apply to individual premiums such as liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, it just doesn't work that way.

To choose insurers offering auto insurance discounts in Louisiana, click here.

Are you falling for claims of savings?

21st Century, Allstate and State Farm constantly bombard you with ads on television and other media. All the companies have a common claim that you can save if you switch your coverage to them. How does each company make almost identical claims?

Insurance companies have a preferred profile for the type of customer that makes them money. For instance, a profitable customer could possibly be a mature driver, insures multiple vehicles, and has great credit. A driver that hits that "sweet spot" will qualify for the lowest rates and as a result will probably save when switching.

Potential customers who are not a match for these standards must pay a more expensive rate and this can result in the driver buying from a lower-cost company. The ad wording is "customers that switch" not "everybody who quotes" save that much money. This is how insurance companies can advertise the savings. This illustrates why you should get a wide range of price quotes. It is impossible to predict which insurance companies will give you the biggest savings.

Different people need different coverages

When buying the best auto insurance coverage for your personal vehicles, there isn't really a one size fits all plan. Coverage needs to be tailored to your specific needs.

For instance, these questions may help you determine whether you would benefit from professional advice.

Should I rate my vehicle as pleasure use or commute?
What are Louisiana no-fault laws?
Can I get a multi-policy discount for packaging my home and auto coverage?
What happens if I owe more than my vehicle is worth?
Is my dog or cat covered if injured in an accident?
Am I covered when delivering products for my home-based business?
Am I covered if I drive in a foreign country?
Does my personal auto insurance policy cover using my vehicle for business use?

If you can't answer these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form.

More sites with auto insurance information

Additional detailed information is located at the Louisiana Department of Insurance website. Louisiana consumers can discover disciplinary actions, read enforcement actions against agents and companies, and find out industry alerts.

Other informative sites include this resource for Louisiana auto insurance prices and this link which helps you find a Clinton agent.

Shop smart and save

Affordable auto insurance can be found online as well as from independent agents in Clinton, and you need to price shop both to have the best rate selection. There are still a few companies who don't offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.

As you prepare to switch companies, make sure you don't buy poor coverage just to save money. There are a lot of situations where drivers have reduced liability coverage limits only to discover later that the small savings ended up costing them much more. The proper strategy is to get the best coverage possible at a price you can afford while not skimping on critical coverages.

Drivers switch companies for a number of reasons such as delays in responding to claim requests, not issuing a premium refund, policy cancellation or even delays in paying claims. Regardless of your reason for switching companies, choosing a new insurance company is easier than you think.