Free Guide to Cutting Costs on Jeanerette Auto Insurance Online

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us, there are many people just like you.

With consumers having so many options when it comes to auto insurance, it's nearly impossible to pick the lowest price company.

Are you getting all your discounts?

Companies don't necessarily list all available discounts very well, so the following is a list of some of the best known as well as the least known ways to save on auto insurance.

Memberships - Affiliation with a professional or civic organization could trigger savings when buying auto insurance.
Safety Course Discount - Taking a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.
Claim Free - Drivers with accident-free driving histories pay less when compared with bad drivers.
Lower Rates for Military - Having a family member in the military could be rewarded with lower premiums.
Paperless Signup - Some insurance companies give back up to $50 for buying your policy online.
Student in College - Any of your kids living away from home attending college and don't have a car can be insured at a reduced rate.

As a disclaimer on discounts, many deductions do not apply to all coverage premiums. Most only apply to individual premiums such as physical damage coverage or medical payments. So when it seems like you would end up receiving a 100% discount, auto insurance companies aren't that generous.

To see a list of insurers with discount auto insurance rates in Louisiana, click this link.

Comprehensive Jeanerette Auto Insurance Comparison

Most companies provide price estimates directly from their websites. Getting online quotes is quite simple as you just enter the coverages you want as detailed in the form. Once you submit the form, their system will obtain credit information and your driving record and returns a price quote based on these and other factors. This streamlines rate comparisons, but the time required to go to a lot of sites and type in the same information can get tiresome after awhile. But it's very important to have as many quotes as possible if you want to find the best price on auto insurance.

Quote rates the easy way

The preferred way to lower your rates requires only one form to get prices from several different companies. The form is fast, eliminates form submissions, and makes price shopping online much more enjoyable. Immediately after you send the form, it gets priced with multiple companies and you can pick any or none of the price quotes you receive. If a lower price is quoted, you can simply submit the application and buy the new coverage. The whole process can be completed in less than 10 minutes and you'll know if lower rates are available.

To quickly find out if lower rates are available, click here to open in new window and enter your information. If you have your current policy handy, we recommend you duplicate the limits and deductibles identical to your current policy. This makes sure you will get a fair comparison based on the exact same insurance coverage.

How to Lower your Auto Insurance Rates

An important part of buying insurance is that you know the rating factors that play a part in calculating auto insurance rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that could result in better auto insurance rates.

Liability coverage protects you - Your policy's liability coverage provides coverage if a jury decides you are liable for personal injury or accident damage. Liability provides you with a defense in court up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so drivers should carry high limits.
Policy add-ons can waste money - There are quite a few extra coverages that you can get tricked into buying if you aren't careful. Things like rental car reimbursement, accidental death and additional equipment coverage may be wasting your money. These may sound like a good investment when you first buy your policy, but now you might not need them so remove them from your policy.
Your stress level may be raising your rates - Occupations such as real estate brokers, executives and stock brokers have the highest rates because of high stress levels and long work hours. On the other hand, occupations such as actors, students and retirees get better rates.
Safer cars cost less to insure - Safer cars tend to have better insurance rates. Safe vehicles protect occupants better and better occupant protection means lower claim amounts passed on to you as lower rates.
Being married can save on auto insurance - Getting married helps lower the price on your auto insurance policy. Having a spouse translates into being more responsible and it's proven that being married results in fewer claims.
Mature drivers pay less - Teenage drivers in Louisiana have a tendency to get distracted easily when behind the wheel so auto insurance rates are higher. Older insureds are more responsible, tend to cause fewer accidents and get fewer tickets.

How can Allstate, GEICO and Progressive save drivers who switch?

Allstate, GEICO and Progressive consistently run ads on television and other media. All the companies make the same claim about savings if you change your coverage to them. But how can every company say the same thing?

Different companies are able to cherry pick for the type of customer that is profitable for them. A good example of a profitable customer might be profiled as between the ages of 40 and 55, has no driving citations, and drives less than 10,000 miles a year. A propective insured who matches those parameters is entitled to the best price and as a result will probably save a lot of money.

Potential customers who are not a match for this ideal profile must pay a higher premium which leads to business not being written. Company advertisements say "customers that switch" not "everybody who quotes" save that much money. That's the way companies can truthfully advertise the way they do. This illustrates why drivers must compare many company's rates. It's not possible to predict which auto insurance company will provide you with the cheapest rates.

Do the work, save more money

Cheap auto insurance is attainable on the web as well as from independent agents in Jeanerette, so you should be comparing quotes from both to have the best rate selection. Some auto insurance companies don't offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

Throughout this article, we presented many ideas to compare auto insurance prices online. It's most important to understand that the more rate comparisons you have, the higher your chance of finding lower rates. Consumers may even find the lowest priced auto insurance comes from the least-expected company. These smaller insurers may have significantly lower rates on certain market segments than the large multi-state companies such as .

Even more information can be read at the Louisiana Department of Insurance website. Louisiana drivers can find out which companies have the most complaints, discover disciplinary actions, read industry bulletins, and find disaster information.

Additional helpful sites include this link for Louisiana auto insurance quotes and this link which helps you find a Jeanerette agent.