How to Get Cheaper Jena Auto Insurance

Finding the best price on Jena auto insurance can seem complicated if you're new to quoting online. But don't be discouraged because finding affordable coverage online is easier than you think.

It's important to get comparison quotes periodically since insurance rates are constantly changing. Just because you found the lowest rates a few years ago you can probably find a lower rate today. So forget anything you know (or think you know) about auto insurance because it's time to teach you the tricks you need to know to save on auto insurance.

If you have a current auto insurance policy or are looking for a new policy, you can follow these tips to shop for the lowest rates while maximizing coverage. Finding the lowest cost protection in Jena is not that difficult. Louisiana drivers only need an understanding of the best way to get comparison quotes over the internet.

Louisiana auto insurance quotes

Jena Auto Insurance Comparisons

Cutting your Jena auto insurance rates is not a difficult process. Just invest a little time getting comparison quotes provided by online insurance companies. This is very easy and can be done using a couple different methods.

  • The recommended way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This form keeps you from doing repetitive form entry for each company you want a rate for. Just one form gets you price quotes direct from many companies. It's the fastest way to compare.
  • A less efficient way to compare rate quotes requires visiting the website for each individual company and complete a new quote form. For instance, let's say you want to compare , and . To get each rate you have to go to every website and enter your policy data, which is why most consumers use the first method.

    To view a list of companies in Jena, click here.
  • The hardest method to get comparison rates is to spend your day driving to and from local Jena insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you prefer the professional guidance that only a license agent can provide. Drivers can get the lowest quotes online and still use a local agent and we'll touch on that later.

It's up to you how you get prices quotes, just be sure to compare the exact same quote information on every quote. If you are comparing mixed coverages it will be next to impossible to make a fair comparison in Jena.

Take advantage of discounts

Car insurance companies don't always advertise all their discounts in an easy-to-find place, so we break down some of the best known and the more hidden ways to save on auto insurance. If they aren't giving you every credit you qualify for, you're paying more than you need to.

  • Bundle and Save - When you combine your home and auto insurance with the same company you may earn at least 10% off all policies.
  • Good Student - A discount for being a good student can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • Sign Online - A few companies give back up to $50 simply for signing on their website.
  • Drive Less and Save - Fewer annual miles can earn better rates on cars that stay parked.
  • Student Driver Training - Have your child complete a driver education course if it's offered in school.
  • Federal Employees - Being employed by or retired from a federal job could cut as much as 10% off with select insurance companies.
  • Braking Control Discount - Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Driver Safety - Successfully completing a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.

Consumers should know that most discount credits are not given to the entire policy premium. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So when it seems like adding up those discounts means a free policy, companies don't profit that way.

To see a list of companies who offer auto insurance discounts in Jena, click this link.

How to know if you need help

When choosing adequate coverage for your vehicles, there is no one size fits all plan. Each situation is unique.

These are some specific questions may help highlight whether your personal situation will benefit from professional help.

  • What are the best liability limits?
  • Do I need to file an SR-22 for a DUI in Louisiana?
  • Does my personal policy cover me when driving my company car?
  • Is my dog or cat covered if injured in an accident?
  • Is my cargo covered for damage or theft?
  • Do I have coverage for damage caused while driving under the influence?

If it's difficult to answer those questions, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Additional Louisiana consumer information

More tips and info about auto insurance can be found at the Louisiana Department of Insurance website. Louisiana drivers can view agent and company licensing information, file complaints about a company, and get help finding coverage.