Comparing Cheaper Jennings Auto Insurance

Tired of not being able to afford each month for car insurance? You are no different than the majority of other car owners in Louisiana. Lots of contend for your insurance dollar, so it's not easy to compare every and get the best coverage at the lowest rate

If you are insured now or need new coverage, you will benefit by learning to shop for the lowest rates while maximizing coverage. Finding the best rates in Jennings is not that difficult. Louisiana consumers only need to know the proper methods to shop for auto insurance online.

Understand what determines the rate you pay

Consumers need to have an understanding of some of the elements that come into play when calculating auto insurance rates. Understanding what impacts premium levels helps enable you to make changes that will entitle you to big savings.

Always keep insurance in force - Driving with no insurance can get your license suspended and your next policy will cost more because you let your coverage have a gap. And not only will your rates increase, failure to provide proof of insurance might get you a steep fine or even jail time.
Rates may be lower depending on your job - Careers like real estate brokers, architects and accountants are shown to have higher rates than average because of high stress levels and lots of time spent at work. On the flip side, occupations such as farmers, athletes and the unemployed pay the least.
Lower rates with optional equipment - Driving a car with an alarm system can save you a little every year. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
Safe vehicles cost less to insure - Vehicles with good safety scores are cheaper to insure. The safest vehicles have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims and lower rates for you.
More claims means more premium - Companies in Louisiana provide better rates to insureds who do not rely on their insurance for small claims. If you are a frequent claim filer, you can definitely plan on higher rates. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.
Do you qualify for a multi-policy discount? - The majority of companies provide better rates to people who consolidate policies with them. It's known as a multi-policy discount. Discounts can add up to anywhere from five to ten percent in most cases. Even if you're getting this discount you still need to comparison shop to confirm you are receiving the best rates possible. Consumers may find better rates by insuring with multiple companies.
Add-on coverages can add up - There are a lot of extra bells and whistles that can waste your money if you aren't careful. Coverages like rental car reimbursement, accident forgiveness and membership fees are examples of these. These may sound like a good investment when you first buy your policy, but your needs may have changed so get rid of them and save.
Marriage brings a discount - Getting married actually saves money when buying auto insurance. Having a significant other usually means you are more responsible and it's proven that drivers who are married are more cautious.

These discounts can lower your rates

Properly insuring your vehicles can get expensive, but companies offer discounts to help offset the cost. A few discounts will automatically apply at quote time, but some may not be applied and must be requested specifically in order for you to get them. If they aren't giving you every credit available, you are paying more than you should be.

Use Seat Belts - Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
No Claims - Claim-free drivers pay less when compared to accident-prone drivers.
Student Driver Training - Cut your cost by having your teen driver successfully complete driver's ed class in high school.
Low Mileage Discounts - Keeping the miles down could qualify for lower rates on the low mileage vehicles.
Employee of Federal Government - Employees or retirees of the government may qualify you for a discount with a few auto insurance companies.
Organization Discounts - Affiliation with certain professional organizations could qualify you for a break when shopping for auto insurance.
Paperwork-free - A handful of insurance companies give back up to $50 for buying your policy on their website.

A little note about advertised discounts, most credits do not apply to the entire cost. Most only cut individual premiums such as comp or med pay. Even though it may seem like having all the discounts means you get insurance for free, you won't be that lucky. Any amount of discount will cut the cost of coverage.

To choose insurance companies with the best auto insurance discounts in Jennings, follow this link.

Are you falling for claims of savings?

Louisiana drivers can't ignore all the ads for the lowest price auto insurance from companies such as Progressive, Allstate and GEICO. They all say the same thing about savings if you move your policy.

How do they all say the same thing?

All the different companies can use profiling for the right customer that makes them money. A good example of a driver they prefer might be profiled as between 30 and 50, is a homeowner, and has a high credit rating. A propective insured who fits that profile will qualify for the lowest rates and as a result will probably cut their rates substantially.

Potential insureds who are not a match for the "perfect" profile will be quoted more money which usually ends up with business not being written. The ad wording is "customers that switch" not "everybody who quotes" save that kind of money. That's why companies can truthfully state the savings.

This emphasizes why you should get quotes from several different companies. It's not possible to predict the company that will have the lowest rates.

Learn more today

Additional information can be read on the website for the Louisiana Department of Insurance located here. Louisiana drivers can find a variety of consumer forms, read industry bulletins, view a list of available companies, and find disaster information.

Best coverage at the best price

The cheapest auto insurance is possible on the web in addition to many Jennings insurance agents, so compare prices from both in order to have the best chance of saving money. Some insurance companies do not provide online price quotes and these small insurance companies work with independent agents.

As you restructure your insurance plan, you should never buy poor coverage just to save money. There are too many instances where an accident victim reduced full coverage and found out when filing a claim that they should have had better coverage. Your strategy should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.