Getting Cheap Hackberry Auto Insurance

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us when we tell you there are lots of people in the same boat. Consumers have many to buy insurance from, and although it's nice to have multiple companies, it can be more difficult to compare rates.

How much can you save with discounts?

Companies that sell car insurance don't always advertise all available discounts very clearly, so we took the time to find some of the best known as well as the least known discounts you could be receiving. If you're not getting every credit possible, you are throwing money away.

  • Clubs and Organizations - Affiliation with a qualifying organization may earn a discount when buying auto insurance.
  • Defensive Driver - Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
  • Theft Prevention System - Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Homeowners Discount - Owning a home in Hackberry can save you money because owning a home is proof that your finances are in order.
  • Federal Government Employee - Active or retired federal employment may qualify you for a discount depending on your company.
  • Life Insurance Discount - Companies who offer life insurance give a discount if you purchase auto and life insurance together.

A little note about advertised discounts, some credits don't apply the the whole policy. Most only cut individual premiums such as physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, you won't be that lucky.

Save 15 percent in 15 minutes? Is it for real?

Louisiana drivers get pounded daily by advertisements that promise big savings by Allstate, GEICO and Progressive. All the companies have a common claim about savings if you switch to their company.

How does each company say the same thing?

All the different companies are able to cherry pick for the driver that earns them a profit. For example, a profitable customer might be profiled as over the age of 40, has no tickets, and drives less than 10,000 miles a year. A propective insured that hits that "sweet spot" will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential customers who don't meet these standards must pay a more expensive rate and this can result in business not being written. The ad wording is "customers that switch" but not "drivers who get quotes" save that much. That's the way companies can truthfully advertise the way they do. This illustrates why you should get quotes from several different companies. It's not possible to predict which auto insurance company will provide you with the cheapest rates.

Find out more about auto insurance

Even more information can be found at the Louisiana Department of Insurance website. Louisiana drivers can find out which companies have the most complaints, discover disciplinary actions, read consumer alerts, and report car insurance fraud.

auto insurance in Hackberry

And the best car insurance company is...

Cheaper auto insurance can be found on the web and also from your neighborhood Hackberry agents, and you need to comparison shop both to have the best rate selection. Some auto insurance companies may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

As you go through the steps to switch your coverage, never buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped physical damage coverage only to regret at claim time that the savings was not a smart move. Your focus should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.