Car Insurance in Crowley, LA - 9 Discounts You Might be Unaware of

Overpriced car insurance can take a big chunk out of your checking account and make it hard to pay other bills. Shopping your coverage around is a great way to cut your insurance bill. Numerous battle for your insurance dollar, and because of this it can be hard to compare and uncover the absolute lowest rate

Don't pay full price with these nine discounts

Companies offering auto insurance do not advertise all available discounts in an easy-to-find place, so we researched some of the more common and also the lesser-known discounts you could be receiving. If they aren't giving you every credit you deserve, you are paying more than you should be.

Defensive Driver - Taking part in a driver safety course 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 may be able to be covered for less.
Theft Prevention System - Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10%.
Anti-lock Brakes - Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
New Car Discount - Insuring a new car can cost up to 25% less due to better safety requirements for new cars.
Student Driver Training - Cut your cost by having your teen driver enroll in driver's education in school.
Early Signing - Some companies give discounts for switching to them prior to your current policy expiration. This can save 10% or more.
Payment Discounts - By paying your policy upfront instead of making monthly payments you may reduce your total bill.
Organization Discounts - Belonging to certain professional organizations may earn a discount when buying car insurance.

Keep in mind that some credits don't apply to the overall cost of the policy. Most cut specific coverage prices like liability and collision coverage. So despite the fact that it appears all those discounts means the company will pay you, it just doesn't work that way.

To choose insurers offering car insurance discounts in Crowley, click here.

The car insurance bait and switch

Consumers can't ignore all the ads for car insurance savings by 21st Century, Allstate and State Farm. All the companies have a common claim that you can save if you switch to their company.

How do they all make the same claim? It's all in the numbers.

All the different companies have a preferred profile for the driver that makes them money. For instance, a profitable customer could be between 25 and 40, insures multiple vehicles, and has a high credit rating. Any new insured that hits that "sweet spot" gets the lowest rates and therefore will cut their rates substantially.

Consumers who don't measure up to the "perfect" profile must pay higher prices and this can result in business going elsewhere. The ads say "customers who switch" not "everyone that quotes" save that much. This is how insurance companies can state the savings. This illustrates why you should get a wide range of price quotes. It's just too difficult to predict which insurance companies will have the lowest rates.

Your personal situation dictates your coverage

When buying the best car insurance coverage for your personal vehicles, there is no "perfect" insurance plan. Your needs are not the same as everyone else's and your policy should reflect that. Here are some questions about coverages that may help you determine whether or not you would benefit from an agent's advice.

Should I rate my vehicle as pleasure use or commute?
What are Louisiana no-fault laws?
Does my personal auto insurance policy cover using my vehicle for business use?
Do I really need UM/UIM coverage?
Do I need PIP (personal injury protection) coverage in Louisiana?
Do I pay less if my vehicle is kept in my garage?
Who is covered when they drive my vehicle?
Is rental equipment covered for theft or damage?

If you can't answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don't have a local agent, complete this form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

More sites with car insurance information

Additional detailed information is located at the Louisiana Department of Insurance website. Consumers can discover disciplinary actions, read enforcement actions against agents and companies, read consumer alerts, and file complaints about an insurance agent or broker.

And the best car insurance company is...

Affordable car insurance can be found from both online companies and also from your neighborhood Crowley agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies may not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

As you restructure your insurance plan, you should never 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 they should have had better coverage. The proper strategy is to purchase plenty of coverage at the best price while not skimping on critical coverages.