How to Know You're Spending Too Much for Car Insurance in Harvey

Scraping up a payment for overpriced car insurance can dwindle your savings account and force you to make sacrifices. Doing a price comparison is free, only takes a few minutes, and is a good way to cut your insurance bill. Numerous battle for your business, and because of this it can be hard to compare to find the absolute lowest rate

It's important to check car insurance prices yearly due to the fact that insurance rates are constantly changing. Even if you think you had the lowest rates two years ago the chances are good that you can find a lower rate today. So ignore everything you know about car insurance because I'm going to teach you the tricks you need to know to save money, get proper coverage and the best rates.

If you have a policy now or need new coverage, you can follow these tips to get lower rates while maintaining coverages. Finding the best rates in Harvey is easy if you know what you're doing. Louisiana vehicle owners just need to know how to buy car insurance on the web.

Are you getting all your discounts?

Companies that sell car insurance don't always advertise all their discounts in an easy-to-find place, so we break down both the well known and also the lesser-known savings tricks you should be using. If they aren't giving you every credit you deserve, you're paying more than you need to.

Accident Waiver - A few companies allow you one accident before raising your premiums as long as you don't have any claims prior to the accident.
Life Insurance - Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
Drive Less and Save - Low mileage vehicles can earn discounted rates on garaged vehicles.
Safety Course Discount - Completing a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
Save with a New Car - Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
Good Student Discount - A discount for being a good student can get you a discount of up to 25%. This discount can apply up until you turn 25.
Pay Now and Pay Less - If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
Bundle and Save - When you combine your home and auto insurance with one insurance company you could get a discount of up to 20% off your total premium.
Accident Free - Drivers who don't have accidents can save substantially as compared to bad drivers.
College Student - Kids in college who attend school more than 100 miles from home and don't have a car can be insured at a reduced rate.

Drivers should understand that most discount credits are not given to your bottom line cost. Most only cut specific coverage prices like liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, companies wouldn't make money that way.

To see a list of companies with discount car insurance rates in Harvey, click here to view.

How to Get Cheap Car Insurance in Harvey, LA

Most companies such as State Farm, GEICO and Progressive give prices for coverage online. Obtaining pricing is fairly straightforward as you just type in your required coverages as detailed in the form. Once you submit the form, the system will obtain information on your driving record and credit history and generates pricing information. Online price quotes makes comparing rates easy, but the time it takes to visit different websites and complete many quote forms is monotonous and tiresome. But it's very important to do this in order to get the best price on car insurance.

The preferred way to compare car insurance pricing makes use of a single form that gets price quotes from a bunch of companies at once. The form is fast, requires much less work on your part, and makes rate comparisons much more enjoyable and efficient. As soon as the form is sent, your coverage is rated with multiple companies and you can pick any of the price quotes you receive. If you find a better price you simply finish the application and buy the policy. This process takes less than 15 minutes and you will know how your current rates stack up.

In order to find out if lower rates are available, click here to open in new window and fill out the form. To compare your current rates, we recommend you replicate the insurance coverages just like they are on your policy. This makes sure you will have a price comparison based on the exact same insurance coverage.

What determines how much you pay?

An important part of buying insurance is that you know the different types of things that play a part in calculating the rates you pay for car insurance. Understanding what controls the rates you pay allows you to make educated decisions that may reward you with lower car insurance prices.

Shown below are a few of the "ingredients" companies use to determine rates.

Pay less if you're married - Having a spouse helps lower the price on your policy. It is viewed as being more mature than a single person and statistics show married drivers get in fewer accidents.
Please use or commuting - The higher the mileage driven in a year's time the more you will pay for car insurance. Most companies charge to insure your cars based on how the vehicle is used. Cars and trucks left parked in the garage qualify for better rates than vehicles that are driven to work every day. Make sure your car insurance declarations sheet is showing the correct usage for each vehicle.
Safe vehicles cost less to insure - Cars with high safety ratings can get you lower premiums. These vehicles result in less severe injuries and any reduction in injury severity translates into savings for insurance companies and lower rates for you.
Do you need the policy add-ons? - There are quite a few add-on coverages that you can buy when buying car insurance. Coverages like rental car reimbursement, towing coverage and motor club memberships may be costing you every month. They may seem like a good idea initially, but if you don't need them get rid of them and save.
Mature drivers pay less - More mature drivers are viewed as being more responsible, tend to file fewer claims and get fewer tickets. Youthful drivers have a tendency to be careless and easily distracted when driving therefore car insurance rates are much higher.

Tailor your coverage to you

When choosing adequate coverage for your personal vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else's so your insurance should reflect that For instance, these questions can help discover whether you could use an agent's help.

I have good health insurance, so how much medical payments coverage do I need?
What happens if I owe more than my vehicle is worth?
Is my dog or cat covered if injured in an accident?
Should I rate my vehicle as pleasure use or commute?
Should I file a claim if it's only slightly more than my deductible?
Should I buy only the required Louisiana minimum liability coverage?
Who is covered when they drive my vehicle?

If you're not sure about those questions but you know they apply to you, you might consider talking to an agent. If you want to speak to 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 only takes a few minutes and you can get the answers you need.

How can State Farm, GEICO and Progressive save drivers who switch?

Consumers in Louisiana can't get away from ads for car insurance savings by companies like State Farm, GEICO and Progressive. They all seem to make an identical promise that you'll save big if you change to them.

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

All companies have a preferred profile for the type of driver that is profitable for them. For example, a desirable insured might be over the age of 40, has no prior claims, and chooses high deductibles. Any driver who meets those qualifications will qualify for the lowest rates and as a result will probably cut their rates substantially.

Potential insureds who are not a match for the "perfect" profile will have to pay more money and ends up with the customer not buying. The ad wording is "customers who switch" not "everybody who quotes" save money. This is how companies can state the savings. Because of the profiling, drivers must get quotes from several different companies. You cannot predict which insurance companies will give you the biggest savings.

And the best car insurance company is...

Budget-conscious car insurance is attainable both online and with local Harvey insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

When buying insurance coverage, you should never reduce coverage to reduce premium. In many cases, consumers will sacrifice uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your aim should be to purchase a proper amount of coverage at the best price.

We just presented some good ideas how you can compare car insurance prices online. It's most important to understand that the more rate comparisons you have, the better likelihood of reducing your rate. You may be surprised to find that the lowest premiums are with a small mutual company. These smaller insurers may only write in your state and offer lower rates than the large multi-state companies such as .

More detailed Louisiana car insurance information can be found at the Louisiana Department of Insurance website. Visitors are able to get help finding coverage, file complaints about an insurance agent or broker, find disaster information, and discover disciplinary actions.