Top Ways to Save on Grand Coteau Auto Insurance

Scraping up a payment for overpriced auto insurance can take a big chunk out of your bank account, especially in this economy. Doing a price comparison is a great way to help make ends meet. Companies like GEICO and Progressive constantly blast consumers with advertising and it can be hard to sift through the bull and find the best price available.

It's important to price shop coverage quite often because prices are constantly changing. Just because you had the best rates two years ago you will most likely find a better rate today. You'll find quite a bit of inaccurate information about auto insurance online but I'm going to show you some great ways to put money back in your pocket.

If you have insurance now or are looking for a new policy, you can learn to shop for the lowest rates while maintaining coverages. Buying car insurance in Grand Coteau is easy if you know what you're doing. Louisiana vehicle owners just need to know the most effective way to get comparison rates online.

Save big with these discounts

The price of auto insurance can be rather high, buy you may qualify for discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you purchase, but some may not be applied and must be specially asked for before being credited. If you aren't receiving every discount you deserve, you are throwing money away.

Life Insurance Discount - Select insurance companies reward you with better rates if you take out life insurance from them.
Save with a New Car - Adding a new car to your policy is cheaper compared to insuring an older model.
Passive Restraint Discount - Factory air bags or automatic seat belts can qualify for discounts of more than 20%.
No Claims - Drivers who don't have accidents pay less as compared to drivers who are more careless.
Own a Home - Owning a house in Grand Coteau can save you money because owning a home demonstrates responsibility.
Military Discounts - Being deployed with a military unit could mean lower rates.
Anti-theft System - Vehicles with anti-theft systems help deter theft and will save you 10% or more.
Payment Discounts - By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
Government Employees - Active or retired federal employment can earn a discount up to 10% with select insurance companies.
Anti-lock Brakes - Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.

Drivers should understand that some of the credits will not apply to the overall cost of the policy. The majority will only reduce individual premiums such as collision or personal injury protection. Just because you may think you would end up receiving a 100% discount, companies wouldn't make money that way. But all discounts will reduce your overall premium however.

But I don't know anything about car insurance

When it comes to buying coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone's needs are different and your policy should reflect that. These are some specific questions may help you determine if your situation would benefit from professional advice.

When does my teenage driver need to be added to my policy?
Should I file a claim if it's only slightly more than my deductible?
Should I drop comprehensive coverage on older vehicles?
Will I be non-renewed for getting a DUI or other conviction?
Does my policy cover my teen driver if they drive my company car?
Am I covered when pulling a rental trailer?
Do I need special endorsements for business use of my vehicle?
What can I do if my company won't pay a claim?

If you can't answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and can help protect your family.

Auto insurance ads bend the truth

Consumers in Louisiana get pounded daily by advertisements for car insurance savings from companies such as GEICO, State Farm and Progressive. They all seem to have a common claim that you'll save big if you switch your policy.

How can each company claim to save you money?

Different companies have a preferred profile for the right customer that earns them a profit. A good example of a desirable insured might be a mature driver, insures multiple vehicles, and chooses high deductibles. A customer getting a price quote that hits that "sweet spot" gets the lowest rates and most likely will save when they switch companies.

Consumers who fall outside the requirements will have to pay higher prices and this can result in the customer not buying. Company advertisements say "customers that switch" not "people who quote" save that kind of money. This is how companies can state the savings.

Because of the profiling, you should compare as many rates as you can. It's impossible to know which insurance companies will give you the biggest savings.

Much more information about auto insurance in Louisiana can be read on the website for the Louisiana Department of Insurance located here. Visitors are able to view agent and company licensing information, read enforcement actions against agents and companies, find out industry alerts, and read industry bulletins.

Best coverage at the best price

When buying insurance coverage, it's a bad idea to buy lower coverage limits just to save a few bucks. In many instances, drivers have reduced full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy the best coverage you can find at a price you can afford.

We covered a lot of techniques to reduce auto insurance prices online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Drivers may discover the best price on auto insurance is with a small local company. Regional companies may only write in your state and offer lower rates than their larger competitors like .

Budget-conscious auto insurance is available both online in addition to many Grand Coteau insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies do not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.