9 Discounts Greenwood Shoppers Forget when Quoting Car Insurance

Are you tired of scraping the payment together each month for car insurance? You're in the same situation as the majority of other car owners in Louisiana. With so many choices, it's nearly impossible to find the lowest price insurance company.

It's important to get comparison quotes before your policy renews since rates are constantly changing. If you had the best price last year you can probably find a better price now. Forget anything you know (or think you know) about car insurance because you're about to learn one of the easiest ways to eliminate unnecessary coverages and save money.

Save big with these nine discounts

Car insurance companies don't always publicize all their discounts very well, so we took the time to find both the well known and also the lesser-known discounts you could be receiving. If you don't get every credit available, you are paying more than you should be.

Homeowners Pay Less - Owning a house in Greenwood can save you money because of the fact that having a home is proof that your finances are in order.
No Claims - Claim-free drivers can save substantially as compared to accident-prone drivers.
Military Discounts - Being deployed with a military unit can result in better rates.
Good Students Pay Less - This discount can get you a discount of up to 25%. This discount can apply up to age 25.
Save with a New Car - Insuring a new car can cost up to 25% less since new cars are generally safer.
Employee of Federal Government - Employees or retirees of the government can save as much as 8% with select insurance companies.
Passive Restraints - Factory air bags can receive discounts up to 30%.
Driver's Ed - Cut your cost by having your teen driver complete a driver education course in high school.
Defensive Driving Course - Completing a defensive driving course could save 5% or more if your company offers it.

It's important to note that some of the credits will not apply to the entire cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. So despite the fact that it appears it's possible to get free car insurance, you're out of luck.

To choose companies with the best car insurance discounts in Louisiana, click here.

Car insurance ads bend the truth

Consumers in Louisiana can't ignore all the ads for the lowest price auto insurance from companies such as State Farm, GEICO and Progressive. They all seem to have a common claim that you can save if you move your policy.

But how can every company claim to save you money? It's all in the numbers.

All companies can use profiling for the right customer that makes them money. For example, a desirable insured might be a mature driver, is a homeowner, and has great credit. Any new insured that hits that "sweet spot" gets the lowest rates and most likely will save a lot of money.

Potential customers who fall outside this ideal profile will have to pay a higher premium and this can result in the customer not buying. Company advertisements say "customers who switch" not "people who quote" save that kind of money. That's why insurance companies can advertise the savings. Because of the profiling, you should compare as many rates as you can. It's just too difficult to predict the company that will give you the biggest savings.

Additional detailed information can be found at the Louisiana Department of Insurance website. Visitors are able to report car insurance fraud, read industry bulletins, find disaster information, and file complaints about a company.

Other informative sites include this page for Louisiana car insurance and this page for help finding agents in Greenwood, LA.

In the end, you save

Lower-priced car insurance is possible both online in addition to many Greenwood insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who do not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

We just covered a lot of techniques to save on car insurance. The key concept to understand is the more rate comparisons you have, the better likelihood of reducing your rate. Drivers may discover the best price on car insurance is with some of the smallest insurance companies. Some small companies often have lower prices on specific markets than their larger competitors like .