9 Ways You Can Buy Car Insurance for Less in Henderson

No one looks forward to buying car insurance, especially when they are paying too much. You have multiple to buy insurance from, and although it's a good thing to have multiple companies, having more makes it harder to compare rates.

It's important to do rate comparisons periodically since rates are constantly changing. Just because you found the best rates a few years ago you will most likely find a better rate today. There is too much inaccurate information about car insurance on the internet, so we're going to give you some great ways to put money back in your pocket.

Save big with these nine discounts

Companies do not list every available discount very clearly, so the following is a list of some of the more common and the more hidden discounts you could be receiving. If you're not getting every credit you qualify for, you are throwing money away.

  • Anti-lock Brakes - Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
  • Good Student - Performing well in school can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • E-sign - Certain companies will give a small break just for signing your application over the internet.
  • Resident Student - Youth drivers living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • Air Bag Discount - Vehicles with factory air bags or motorized seat belts may earn rate discounts up to 30%.
  • Payment Method - By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Multiple Vehicles - Insuring multiple vehicles on one policy could earn a price break for each car.
  • New Car Discount - Insuring a new car is cheaper since new cars are generally safer.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to take driver's ed class if it's offered in school.

It's important to note that some credits don't apply to the entire policy premium. Most cut the cost of specific coverages such as comprehensive or collision. So even though they make it sound like it's possible to get free car insurance, you're out of luck.

Henderson car insurance quote

But I don't know anything about car insurance

When it comes to buying coverage for your vehicles, there isn't really a "perfect" insurance plan. Everyone's needs are different and your policy should reflect that. These are some specific questions may help highlight if your situation might need an agent's assistance.

  • Does my insurance cover a custom paint job?
  • Do I need to file an SR-22 for a DUI in Louisiana?
  • Does medical payments coverage apply to all occupants?
  • What are Louisiana no-fault laws?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Should I drop comprehensive coverage on older vehicles?

If you can't answer these questions but a few of them apply, you may need to chat with an agent. If you don't have a local agent, complete this form or click here for a list of car insurance companies in your area. It's fast, doesn't cost anything and can provide invaluable advice.

Car insurance ads bend the truth

Consumers get pounded daily by advertisements for cheaper car insurance by companies like Allstate and Progressive. All the ads have a common claim that you can save after switching to them.

How does each company make the same claim?

All companies have a certain "appetite" for the type of driver that earns them a profit. A good example of a preferred risk could be between the ages of 30 and 50, a clean driving record, and drives less than 7,500 miles a year. Any new insured that hits that "sweet spot" gets the lowest rates and most likely will save when switching.

Consumers who fall outside these standards will be charged higher rates and this can result in business going elsewhere. The ads say "people who switch" not "people who quote" save money. That is how insurance companies can advertise the way they do. That is why you should get a wide range of price quotes. It's just too difficult to predict which company will provide you with the cheapest rates.

Additional detailed information can be read at the Louisiana Department of Insurance website. Consumers can find out industry alerts, file complaints about a company, get help finding coverage, and read enforcement actions against agents and companies.

Louisiana car insurance

In the end, you save

When shopping online for car insurance, it's very important that you do not buy lower coverage limits just to save a few bucks. Too many times, someone dropped collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

You just learned a lot of ways to reduce car insurance prices online. The most important thing to understand is the more quotes you get, the better chance you'll have of finding lower rates. Consumers may even find the lowest rates come from an unexpected company. Regional companies often have lower prices on specific markets than their larger competitors like .

Lower-priced car insurance can be sourced from both online companies and with local Henderson insurance agents, and you should compare price quotes from both to get a complete price analysis. Some car insurance companies do not offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.