Top Ways to Save on Grambling Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me, there are many people just like you. Because you have many choices, it is hard for the average consumer to find the best car insurance company.

It's important to check auto insurance prices at least once a year since insurance rates are constantly changing. Even if you got the lowest price on your last policy there is a good chance you can find better rates now. Forget all the misinformation about auto insurance because you're about to learn the only way to lower your rates without sacrificing coverage.

What determines how much you pay?

Consumers need to have an understanding of the rating factors that go into determining auto insurance rates. When you know what positively or negatively impacts premium levels allows you to make educated decisions that may reward you with big savings.

Rate your vehicle for proper use - The more miles you rack up on your car in a year the more you will pay for auto insurance. Most companies price each vehicle's coverage based upon how you use the vehicle. Autos not used for work or commuting receive lower rates than those used for commuting. Ask your agent if your auto insurance policy properly reflects how each vehicle is driven, because improper ratings can cost you money.
Don't get talked into coverage you don't need - There are many extra coverages that you can buy if you aren't careful. Things like roadside assistance, towing coverage and motor club memberships may be wasting your money. These may sound like a good investment when you first buy your policy, but if you don't need them remove them from your policy.
Better credit means lower rates - Credit score is a important factor in calculating your auto insurance rates. So if your credit is lower than you'd like, you could save money insuring your by improving your rating. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers who have poor credit.
More claims means more premium - Car insurance companies in Louisiana give discounts to insureds who file claims infrequently. If you tend to file frequent claims, you can pretty much guarantee either higher rates or even cancellation. Insurance coverage is intended to be relied upon for the large, substantial claims.
Teen drivers pay high rates - Teenage drivers in Louisiana are statistically proven to be more careless when behind the wheel so auto insurance rates are higher. Older insureds are viewed as being more responsible, file fewer claims and receive fewer citations.
Being married can save on auto insurance - Having a wife or husband can actually save you money on your auto insurance policy. It is viewed as being more responsible and it's proven that being married results in fewer claims.
Adjust deductibles and save - Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims are a windshield shattered by a rock, vandalism, and windstorm damage. Physical damage deductibles are how much you are willing to pay in the event of a claim. The more you're willing to pay, the less your auto insurance will be.

Quick Grambling Auto Insurance Quotes

Reducing your insurance rates is actually quite simple. You just have to invest a few minutes comparing rate quotes provided by online insurance companies. This can be accomplished in several different ways.

The fastest way to get quotes is to use a rate comparison form click here to open form in new window. This form saves time by eliminating separate quote forms to each individual auto insurance company. Completing one form compares rates from many national carriers.
A harder way to get quotes online is going to the website for each individual company to complete a price quote. For example, let's assume you want to compare rates from , and . To find out each rate you need to visit each site and enter your information, which is why the first method is more popular. To view a list of companies in Grambling, click here.

It doesn't matter which method you choose, just compare apples-to-apples coverage limits and deductibles with each company. If you have different liability limits it's not possible to make an equal comparison in Grambling.

Save big with these discounts

The price of auto insurance can be rather high, but there are discounts available that many people don't even know exist. Larger premium reductions will be automatically applied at the time of quoting, but less common discounts must be inquired about before you will receive the discount. If you don't get every credit possible, you are paying more than you should be.

Auto/Life Discount - Companies who offer life insurance give a break if you buy auto and life insurance together.
Defensive Driver - Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
Braking Control Discount - Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
Passive Restraint Discount - Factory air bags and/or automatic seat belt systems can receive discounts of 20% or more.
Federal Government Employee - Employees or retirees of the government may qualify you for a discount with select insurance companies.
Discount for Good Grades - This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.

As a disclaimer on discounts, many deductions do not apply the the whole policy. Some only reduce individual premiums such as collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, auto insurance companies aren't that generous. Any amount of discount will help reduce your overall premium however.

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

Auto insurance ads bend the truth

Louisiana drivers can't ignore all the ads that promise big savings by companies like GEICO, State Farm and Progressive. They all seem to make the same claim about savings if you switch to them.

But how can every company say the same thing?

All the different companies are able to cherry pick for the type of driver that makes them money. For instance, a desirable insured might be profiled as a mature driver, has no tickets, and has great credit. A propective insured who matches those parameters will get very good rates and most likely will save a lot of money.

Potential insureds who fall outside this ideal profile will have to pay more money which leads to business not being written. The ads say "customers that switch" not "people who quote" save money. That's the way companies can truthfully advertise the savings.

Because of the profiling, you need to get quotes from several different companies. It's not possible to predict which auto insurance company will fit your personal profile best.

Additional information is located on the website for the Louisiana Department of Insurance located here. Louisiana drivers can file complaints about an insurance agent or broker, discover disciplinary actions, find out industry alerts, and download brochures.

Other informative sites include Auto Insurance 101 and this page where you can research Grambling insurance agents.

A tidy conclusion

When you buy insurance online, don't be tempted to reduce coverage to reduce premium. In many instances, an insured dropped liability coverage limits only to discover later that the few dollars in savings costed them thousands. The ultimate goal is to find the BEST coverage at a price you can afford.

Cheap auto insurance can be found on the web and with local Grambling insurance agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who do not offer online price quotes and most of the time these small, regional companies sell through independent agents.

Throughout this article, we presented many ideas to compare auto insurance prices online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the best price on auto insurance is with the least-expected company. These smaller insurers may have significantly lower rates on certain market segments than their larger competitors like .