Dry Prong Car Insurance For Less Than You're Paying Now

Saving money on Dry Prong car insurance is hard for consumers new to comparison shopping online. You have so many choices that it can be a challenge to find lower rates in Dry Prong.

It's important to check car insurance prices before your policy renews due to the fact that insurance rates are constantly changing. If you had the best price a few years ago a different company probably has better rates today. Forget all the misinformation about car insurance because I'm going to let you in on the secrets to the fastest and easiest way to properly buy coverages while reducing your premium.

Save big with these discounts

Car insurance is not cheap, but there are discounts available that can drop the cost substantially. Certain discounts will be applied when you quote, but less common discounts must be manually applied prior to getting the savings. If they aren't giving you every credit available, you are throwing money away.

Multi-policy Discount - If you have multiple policies with the same company you will save up to 20% off your total premium.
Seat Belts Save - Buckling up and requiring all passengers to wear their seat belts can save up to 15% off your PIP or medical payments premium.
Accident Free - Claim-free drivers can save substantially compared to drivers who are more careless.
Defensive Driving Course - Completing a defensive driving course could save 5% or more if you qualify.
Save with a New Car - Insuring a new car is cheaper since new cars are generally safer.

Keep in mind that most discount credits are not given to the entire cost. The majority will only reduce specific coverage prices like comprehensive or collision. Just because it seems like it's possible to get free car insurance, it just doesn't work that way. But any discount will cut your overall premium however.

What determines how much you pay?

Smart consumers have a good feel for the different types of things that come into play when calculating the rates you pay for car insurance. Understanding what influences your rates allows you to make educated decisions that can help you get lower car insurance prices.

The list below includes a few of the "ingredients" companies use to determine your rates.

Consolidate policies to earn discounts - The majority of insurers give discounts to insureds who carry more than one policy. It's known as a multi-policy discount. This can amount to five, ten or even twenty percent. Even with this discount, it's still a good idea to compare other company rates to make sure you are getting the best deal. Consumers may find better rates by splitting coverages up.
No coverage gaps is important - Driving with no insurance is against the law and car insurance companies will penalize you for letting your coverage have a gap. Not only will you pay more, but being ticketed for driving with no insurance will get you a revoked license or a big fine.
Rates may be higher depending on your occupation - Occupations like lawyers, business owners and accountants tend to pay higher rates than average due to high stress and lengthy work days. On the flip side, professions such as farmers, athletes and the unemployed have the lowest average rates.
Little extras can really add up - There are a lot of extra bells and whistles you can purchase when buying car insurance. Coverages like roadside assistance, better glass coverage and motor club memberships may be costing you every month. These coverages may sound good initially, but if you don't need them get rid of them and save.
Older drivers pay less - Mature drivers tend to be more responsible, tend to file fewer claims and receive fewer citations. Youthful drivers tend to be less responsible in a vehicle therefore car insurance rates are much higher.
Type of vehicle determines base rates - The make and model of the vehicle you drive makes a huge difference in the rate you pay. Small economy passenger cars generally receive the lowest base rates, but other factors influence the final cost greatly.
Bad driving skills means higher rates - Your driving record impacts your car insurance rates tremendously. Good drivers get better rates than people who have multiple driving citations. Even one speeding ticket can increase rates by twenty percent. Drivers who get severe violations like DWI, reckless driving or hit and run convictions may be required to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
Please use or commuting - The more you drive every year the higher your rates will be. Most companies charge to insure your cars based on their usage. Cars and trucks left parked in the garage qualify for better rates than those used for commuting. Make sure your car insurance policy is showing the correct driver usage.

Car insurance ads bend the truth

Consumers in Louisiana get pounded daily by advertisements for the lowest price auto insurance by companies like Allstate and Progressive. All the ads make an identical promise that you can save if you move to them.

How do they all claim to save you money? It's all in the numbers.

All companies can use profiling for the type of driver that earns them a profit. For example, a preferred risk might be between the ages of 30 and 50, is a homeowner, and drives less than 7,500 miles a year. Any driver who meets those qualifications gets the lowest rates and most likely will cut their rates substantially.

Potential customers who fall outside the "perfect" profile will be charged a higher premium and ends up with the customer not buying. Company advertisements say "customers who switch" not "people who quote" save money. That's why insurance companies can advertise the way they do.

That is why drivers should get as many comparisons as possible. You cannot predict the company that will provide you with the cheapest rates.

More information can be found on the Louisiana Department of Insurance website found here. Visitors are able to read consumer alerts, find a variety of consumer forms, and read industry bulletins.

In the end, you save

When shopping online for car insurance, you should never skimp on coverage in order to save money. Too many times, an accident victim reduced physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The aim is to buy the best coverage you can find at the best price, not the least amount of coverage.

People who switch companies do it for a variety of reasons including policy non-renewal, being labeled a high risk driver, high rates after DUI convictions and even delays in responding to claim requests. Whatever your reason, finding a new car insurance company is less work than it seems.

Affordable car insurance is definitely available both online and with local Dry Prong insurance agents, and you should compare price quotes from both to have the best rate selection. Some car insurance companies do not offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.