Car Insurance in Jonesboro Louisiana - 8 Discounts You Might be Missing

Having to pay for overpriced car insurance can drain your personal savings and make it hard to pay other bills. Comparison shopping is free, only takes a few minutes, and is a good way to make sure you're not throwing money away. You have multiple to buy insurance from, and though it is a good thing to have a choice, having more makes it harder to compare rates.

This information will help educate you on the best way to quote coverages and some tricks to saving. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using this strategy. Louisiana consumers only need to know the most efficient way to shop for car insurance online.

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These eight discounts can lower your rates

Insuring your fleet can be pricey, but you may find discounts that many people don't even know exist. Certain discounts will be applied at the time of purchase, but a few must be requested specifically prior to receiving the credit. If you're not getting every credit you deserve, you're just leaving money on the table.

  • Payment Discounts - If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
  • Accident Waiver - Certain companies permit an accident without raising rates if your claims history is clear for a set time period.
  • Anti-lock Brake System - Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • Distant Student - Kids in college who are attending college and do not have a car can be insured at a reduced rate.
  • 55 and Retired - Older drivers may qualify for reduced rates.
  • Theft Prevention Discount - Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Multi-car Discount - Buying coverage for more than one vehicle on one policy could earn a price break for each car.
  • Own a Home - Simply owning a home can help you save on car insurance because owning a home shows financial diligence.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most cut the cost of specific coverages such as liability and collision coverage. Just because it seems like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will bring down the cost of coverage.

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

Which Car Insurance is Cheapest in Jonesboro, Louisiana?

Most major insurance companies like State Farm, Allstate and GEICO provide pricing on their websites. Getting quotes is pretty easy as you simply type in the coverages you want as detailed in the form. Once entered, their rating system will obtain your credit score and driving record and quotes a price based on these and other factors. Being able to quote online makes comparing rates easy, but having to visit many different websites and fill out multiple forms is repetitive and time-consuming. But it's very important to have as many quotes as possible if you want to find better car insurance pricing.

A more efficient way to find lower prices is to use a quote form that gets prices from multiple companies. The form is fast, reduces the work, and makes quoting online a lot less work. Once the form is submitted, it gets priced and you can choose any one of the quotes that you receive.

If the quotes result in lower rates, it's easy to complete the application and buy the policy. The whole process can be completed in a matter of minutes and you will find out if you're overpaying now.

To find out what other companies charge, click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it's recommended you input the insurance coverages as close as possible to your current policy. This helps ensure you will receive rate quotes based on identical coverages.

A tidy conclusion

The cheapest car insurance can be found from both online companies and with local Jonesboro insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies do not offer online quoting and these small, regional companies work with independent agents.

As you restructure your insurance plan, it's very important that you do not sacrifice coverage to reduce premiums. There have been many situations where drivers have reduced collision coverage and learned later that they should have had better coverage. The proper strategy is to purchase plenty of coverage at an affordable rate while still protecting your assets.