Free Guide to Spending Less for Creole Auto Insurance Online

Are you sick and tired of scraping the payment together each month for car insurance? You are in the same boat as many other drivers in Louisiana.

Big companies like GEICO and Progressive all claim big savings with ad campaigns and it is challenging if not impossible to sift through the bull and find the best price available.

It's important to do rate comparisons once or twice a year since insurance rates are constantly changing. If you had the lowest price a few years ago the chances are good that you can find a lower rate today. Forget all the misinformation about auto insurance because you're about to find out the fastest and easiest way to find the best coverage while lowering your premiums.

If you currently have car insurance, you should be able to cut costs considerably using these techniques. Choosing the best insurance company for you in Creole is not that difficult. Although Louisiana vehicle owners do need to know the methods companies use to market on the web because it can help you find the best coverage.

Don't pay full price with these discounts

Companies offering auto insurance don't list all their discounts in a way that's easy to find, so we researched some of the best known and the harder-to-find ways to save on auto insurance.

Homeowners Pay Less - Owning a house in Creole may earn you a small savings because of the fact that having a home shows financial diligence.
Drivers Ed for Students - Have your child complete a driver education course in high school.
Seat Belts Save more than Lives - Buckling up and requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.
Accident Free - Claim-free drivers pay much less as compared to bad drivers.
Military Rewards - Having a family member in the military can result in better rates.
Anti-theft System - Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
Pay Upfront and Save - If paying your policy premium upfront instead of paying each month you can actually save on your bill.

A little note about advertised discounts, many deductions do not apply to the entire cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think you could get a free auto insurance policy, you won't be that lucky.

To see a list of companies with the best auto insurance discounts in Creole, click this link.

Comprehensive Auto Insurance Comparison in Creole

There are multiple methods you can shop for auto insurance but one way is less time-consuming than others. You can waste a lot of time discussing policy coverages with agents in Creole, or you can stay home and use online quoting to get rate comparisons in just a few minutes.

Many insurance companies take part in a program that enables customers to submit one quote, and every company then gives them pricing for coverage. This system prevents you from having to do quotation requests to each individual auto insurance company.

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

One minor caviat to using this type of form is that you can't choose which carriers you want pricing from. So if you want to select individual companies for rate comparison, we put together a list of the cheapest auto insurance companies in Louisiana. View list of Louisiana insurance companies.

It doesn't matter which method you choose, just double check that you are using exactly the same coverages for every company. If you use different limits and deductibles on each one it will be very difficult to decipher which rate is best in Creole. Having just a slight variation in coverages can mean a large discrepancy in price. It's important to know that more quotes will improve the odds of getting lower pricing.

Why some people pay less for insurance in Creole

An important part of buying insurance is that you know the rating factors that come into play when calculating auto insurance rates. Having a good understanding of what impacts premium levels allows you to make educated decisions that may reward you with better auto insurance rates.

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

Being married can save on auto insurance - Having a wife or husband actually saves money on your auto insurance policy. It is viewed as being more responsible it has been statistically shown that drivers who are married are more cautious.
Small claims can cost you - Car insurance companies in Louisiana give cheaper rates to insureds who file claims infrequently. If you frequently file small claims, you can pretty much guarantee higher rates. Car insurance is intended to be relied upon for major claims that would cause financial hardship.
Allowing your policy to lapse raises rates - Driving your car without having proper coverage can get your license suspended and your next policy will cost more because you let your coverage have a gap. And not only will insurance be more expensive, but not being able to provide proof of insurance can result in a hefty fine and possibly a revoked license.
Rates may be higher depending on your occupation - Jobs such as judges, executives and dentists tend to pay the highest average rates in part from high stress levels and long work hours. Other jobs such as farmers, historians and the unemployed have the lowest average rates.
Lower rates with optional equipment - Driving a car with anti-theft technology or alarm system can help bring down rates. Anti-theft devices like GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder your vehicle from being stolen.
Discounts for multiple policies - The majority of auto insurance companies will give a discount to people who buy several policies from them such as combining an auto and homeowners policy. Discounts can amount to ten or even up to twenty percent in some cases. Even if you're getting this discount it's in your best interest to compare rates to make sure you are getting the best deal. Consumers may find better rates by insuring with multiple companies.
Low deductibles can be expensive - Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Examples of covered claims are running into the backend of another car, collision with an animal, and burglary. Physical damage deductibles are how much you are required to spend out-of-pocket before your auto insurance pays a claim. The more you're willing to pay, the less your company will charge you for insurance.

The auto insurance bait and switch

Auto insurance companies such as State Farm, GEICO and Progressive regularly use ads in print and on television. They all seem to make the same claim about savings if you move to them. How can each company say the same thing? This is how they do it.

Different companies can use profiling for the type of driver that is profitable for them. For instance, a desirable insured might be profiled as over the age of 40, has no tickets, and has a short commute. A propective insured who matches those parameters is entitled to the best price and therefore will save when they switch companies.

Potential insureds who don't measure up to the requirements will have to pay more money which leads to business not being written. Company advertisements say "drivers who switch" not "everyone that quotes" save money. That's why companies can truthfully make the claims of big savings. Because of the profiling, drivers must get as many quotes as possible. It's not possible to predict the company that will fit your personal profile best.

Affordable insurance is out there

The cheapest auto insurance is definitely available on the web and with local Creole insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers do not offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

As you shop your coverage around, it's a bad idea to reduce coverage to reduce premium. In many cases, an insured dropped liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy enough coverage for the lowest price.

Even more information is located at the Louisiana Department of Insurance website. Louisiana drivers can get help finding coverage, download brochures, find a variety of consumer forms, and read industry bulletins.