Free Guide to Saving Money on Independence Auto Insurance Online

No one cherishes buying auto insurance, especially knowing the price is too high.

Numerous battle for your business, and it can be difficult to compare rates and get the best coverage at the lowest price

Understand what determines the rate you pay

Consumers need to have an understanding of the factors that play a part in calculating auto insurance rates. Understanding what influences your rates helps enable you to make changes that will entitle you to lower auto insurance prices.

An active claims history can cost you - Companies in Louisiana generally give better rates to drivers who do not rely on their insurance for small claims. If you tend to file frequent claims, you can look forward to either policy cancellation or increased premiums. Auto insurance is intended to be relied upon for larger claims.
Traffic citations inflate rates - Even one speeding ticket may increase your cost twenty percent or more. Drivers with clean records have lower premiums than their less careful counterparts. If you have dangerous violations such as hit and run, DWI or reckless driving convictions may find they need to file a SR-22 with the DMV in their state in order to prevent a license revocation.
Liability insurance protects assets - Your policy's liability coverage is the coverage that protects you when a jury decides you are liable for damages caused by your negligence. It will provide legal defense coverage starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.
Do you work long hours in a high stress job? - Careers like doctors, social workers and accountants are shown to have higher rates than average because of high stress and lengthy work days. On the flip side, professions such as scientists, athletes and retirees pay the least.

Auto Insurance Comparison Rates in Independence, LA

There are several ways of comparing rate quotes from different Independence insurance companies. One of the best ways to find the cheapest insurance rates involves getting comparison quotes online. This is very easy and can be done using a couple different methods.

The fastest way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This type of form keeps you from doing separate quotation requests for every auto insurance company. Just one form gets you price quotes from auto insurance companies with the best prices.
A less efficient way to compare rate quotes requires a trip to the website of each company and complete a new quote form. For instance, let's say you want to compare , and . To get rate quotes you would need to go to every website to input your insurance information, which is why the first method is more popular. To view a list of companies in Independence, click here.
The most time-consuming method of getting rate comparisons is driving to and from local Independence insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you require the professional advice of a local Independence agent. It is possible to find lower rates online and still use a local agent and we'll touch on that later.

However you get your quotes, be sure to compare the exact same quote information on every quote. If you are comparing mixed coverages it will be impossible to make a fair comparison in Independence. Slightly different limits could mean much higher rates. Keep in mind that having more price comparisons will enable you to find a better price.

Take advantage of discounts

Properly insuring your vehicles can get expensive, but companies offer discounts that you may not know about. Larger premium reductions will be automatically applied when you complete an application, but some must be asked for before they will apply.

Federal Employees - Employees or retirees of the government can save as much as 8% with a few auto insurance companies.
Good Student - This discount can get you a discount of up to 25%. The discount lasts up until you turn 25.
Organization Discounts - Affiliation with certain professional organizations may earn a discount when shopping for auto insurance.
Student Driver Training - Cut your cost by having your teen driver successfully complete driver's ed class if offered at their school.
Homeowners Savings - Simply owning a home can save you money because maintaining a house requires personal responsibility.

It's important to note that some of the credits will not apply to the entire policy premium. The majority will only reduce individual premiums such as comp or med pay. So despite the fact that it appears it's possible to get free car insurance, you're out of luck. But any discount will cut your overall premium however.

To choose insurance companies with discount auto insurance rates in Independence, click here.

Are auto insurance companies telling the truth?

Auto insurance providers like Progressive, Allstate and GEICO consistently run ads on TV and radio. They all have a common claim that you can save if you change your policy. How do they all say the same thing?

All companies have a certain "appetite" for the right customer that makes them money. An example of a driver they prefer might be profiled as a mature driver, a clean driving record, and drives newer vehicles. A propective insured that hits that "sweet spot" gets the lowest rates and most likely will cut their rates substantially.

Consumers who don't qualify for the "perfect" profile will be quoted higher rates and this can result in business not being written. Company advertisements say "customers that switch" not "people who quote" save that kind of money. That is how insurance companies can claim big savings.

This emphasizes why you need to compare as many rates as you can. It's not possible to predict which company will give you the biggest savings.

How to know if you need help

When buying proper insurance coverage for your vehicles, there is no one size fits all plan. Everyone's needs are different and your policy should reflect that. These are some specific questions may help highlight whether your personal situation would benefit from professional advice.

Am I covered if I drive in a foreign country?
Why am I required to buy high-risk coverage?
Are rental cars covered under my policy?
Am I getting all the discounts available?
Is my cargo covered for damage or theft?
Will I be non-renewed for getting a DUI or other conviction?

If you can't answer these questions, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

More information is available on the website for the Louisiana Department of Insurance located here. Louisiana drivers can download brochures, file complaints about a company, find out which companies have the most complaints, and read industry bulletins.

Final considerations

In this article, we covered a lot of techniques to compare auto insurance prices online. It's most important to understand that the more price quotes you have, the better likelihood of reducing your rate. Drivers may discover the best price on auto insurance is with a small local company. These smaller insurers often have lower prices on specific markets than their larger competitors like .

Lower-priced auto insurance can be sourced on the web in addition to many Independence insurance agents, and you need to price shop both to get a complete price analysis. A few companies do not provide online price quotes and these smaller companies work with independent agents.