Top Ways to Save on Jonesville Car Insurance

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us, you are not the only one feeling buyer's remorse. Multiple compete for your business, so it can be very hard to choose a to find the lowest price

It's important to compare prices every six months due to the fact that insurance rates are constantly changing. If you had the lowest rates last year a different company probably has better rates today. Starting now, block out anything you think you know about car insurance because I'm going to teach you the tricks you need to know to find lower rates on car insurance.

Be sure to get all your discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that can drop the cost substantially. Larger premium reductions will be automatically applied when you quote, but lesser-known reductions have to be asked for prior to getting the savings. If they aren't giving you every credit possible, you are throwing money away.

Senior Citizens - If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums.
Clubs and Organizations - Being a member of certain professional organizations could qualify you for a break on car insurance.
Claim Free - Drivers with accident-free driving histories can save substantially as compared to drivers who are more careless.
More Vehicles More Savings - Buying insurance for multiple cars or trucks on one policy may reduce the rate for each vehicle.
College Student - Children who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
Federal Government Employee - Active or retired federal employment may qualify you for a discount with select insurance companies.

As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Most only apply to individual premiums such as liability, collision or medical payments. So when it seems like all those discounts means the company will pay you, car insurance companies aren't that generous. Any amount of discount will cut the amount you have to pay.

How to Lower your Car Insurance Rates

Smart consumers have a good feel for some of the elements that come into play when calculating the rates you pay for car insurance. Understanding what impacts premium levels empowers consumers to make smart changes that may reward you with big savings.

The list below includes a few of the "ingredients" used by your company to calculate rates.

Older drivers pay less - Older insureds are viewed as being more responsible, file fewer claims and are safer drivers. Youthful drivers tend to be more careless when behind the wheel therefore car insurance rates are much higher.
Liability coverage protects you - The liability section of your policy provides coverage if ever you are found liable for personal injury or accident damage. It provides for a legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.
Rates may be higher depending on your occupation - Jobs such as lawyers, architects and accountants have higher rates than average because of high stress levels and lots of time spent at work. On the flip side, occupations like actors, athletes and the unemployed get better rates.
Do you know your deductibles? - Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims would be a windshield shattered by a rock, vandalism, or theft. Your deductibles are how much you are required to spend out-of-pocket before a claim is paid by your company. The higher the amount you have to pay, the less your car insurance will be.
High numbers of claims are not good - If you are a frequent claim filer, you can pretty much guarantee higher rates. Car insurance companies in Louisiana provide better rates to insureds who do not file claims often. Insurance coverage is intended for the large, substantial claims.
Big city or small town - Choosing to live in less populated areas can be a good thing when talking about car insurance. Less people living in that area means a lower chance of having an accident. Drivers in populated Louisiana areas have much more traffic to deal with and longer commute times. More time commuting means higher likelihood of an accident.

Is there truth in advertising?

Consumers in Louisiana get pounded daily by advertisements that promise big savings from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing about savings if you move your coverage to them.

How do they all claim to save you money?

All the different companies are able to cherry pick for the type of customer that earns them a profit. For example, a desirable insured might be a mature driver, has no driving citations, and drives newer vehicles. Any driver who fits that profile is entitled to the best price and is almost guaranteed to cut their rates substantially.

Potential customers who don't measure up to the "perfect" profile will have to pay a higher premium which usually ends up with the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much money. That's the way companies can truthfully claim big savings.

Because of the profiling, drivers should get a wide range of price quotes. You cannot predict which car insurance company will give you the biggest savings.

Learn more about Louisiana car insurance

Additional information can be found on the website for the Louisiana Department of Insurance located here. Visitors are able to read enforcement actions against agents and companies, find out which companies have the most complaints, read industry bulletins, and report car insurance fraud.

A tidy conclusion

When trying to cut insurance costs, never skimp on coverage in order to save money. There are many occasions where someone sacrificed uninsured motorist or liability limits only to regret that it was a big mistake. Your aim should be to buy enough coverage at a price you can afford.

Cheap car insurance is definitely available both online as well as from independent agents in Jonesville, and you need to price shop both to have the best rate selection. A few companies don't offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.