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

Expensive car insurance can empty your personal savings and put a big crunch on your finances. Comparison shopping is free, only takes a few minutes, and is a good way to cut your insurance bill. Drivers have so many to buy insurance from, and even though it's nice to have a choice, too many choices makes it more difficult to compare rates.

compare Homer car insurance rates

Take advantage of discounts

Companies don't always publicize every discount very clearly, so we break down some of the more common and also the lesser-known savings tricks you should be using. If you're not getting every credit you deserve, you're just leaving money on the table.

  • Payment Method - If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.
  • Life Insurance - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Paperwork-free - A handful of insurance companies will give a small break for buying your policy over the internet.
  • Accident Waiver - Certain companies allow you one accident without raising rates if your claims history is clear for a particular time prior to the accident.
  • Good Student Discount - Getting good grades can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • Multiple Vehicles - Insuring multiple vehicles on one policy can get a discount on all vehicles.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. Most only apply to specific coverage prices like liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, car insurance companies aren't that generous.

For a list of insurance companies who offer car insurance discounts in Louisiana, click here to view.

Where Can I Get Cheap Homer Car Insurance?

Finding a better price on car insurance isn't really that difficult. Just spend a little time to get quotes online from several insurance companies. This can be done using a couple different methods.

One of the best ways to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This easy form eliminates the need for separate quote forms to each individual car insurance company. A single, simple form gets you price quotes from many national carriers.

Another way to compare rate quotes requires visiting the website of each company to complete their respective quote request forms. For instance, we'll assume you want comparison quotes from , and . To find out each rate you need to go to every website and enter your policy data, which is why the first method is quicker.

To view a list of companies in Homer, click here.

The least recommended way to get comparison rates is to spend time driving to different Homer agent offices. Shopping for car insurance online makes this process obsolete unless you want the trained guidance only provided by licensed Homer agents. However, consumers can compare online quotes and still use a local agent and we'll talk about that later.

It's your choice how you get your quotes, but make sure you use identical quote information on every quote you get. If you use mixed coverages you can't possibly determine which rate is truly the best in Homer.

How to know if you need help

When it comes to choosing adequate coverage for your personal vehicles, there isn't really a best way to insure your cars. Your needs are not the same as everyone else's so your insurance should reflect that These are some specific questions can help discover whether your personal situation might need professional guidance.

  • Are my tools covered if they get stolen from my vehicle?
  • What are the financial responsibility laws in Louisiana?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my policy cover me when driving someone else's vehicle?
  • Why am I required to buy high-risk coverage?
  • Am I covered when driving on a suspended license?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you're not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It's fast, free and you can get the answers you need.

Best coverage at the best price

When you buy insurance online, never sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. The proper strategy is to buy enough coverage at the best price while still protecting your assets.

Cheap car insurance can be sourced from both online companies as well as from independent agents in Homer, so compare prices from both to have the best rate selection. There are still a few companies who don't offer online quoting and these regional insurance providers work with independent agents.