Car Insurance in Kaplan Louisiana - 10 Discounts You Might be Forgetting

Paying for high-priced car insurance can take a big chunk out of your savings account and make it hard to pay other bills. Comparison shopping is free, only takes a few minutes, and is a good way to tighten up your finances.

Drivers have so many to pick from, and even though it's nice to have a selection, too many choices makes it more difficult to compare rates.

More discounts equal less premium

Companies that sell car insurance don't list every discount very clearly, so we took the time to find some of the more common as well as the least known savings tricks you should be using.

Payment Discounts - If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
Distant Student - Kids in college who attend school more than 100 miles from home and do not have a car may be able to be covered for less.
Anti-lock Brake System - Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
Multiple Policy Discount - When you combine your home and auto insurance with the same insurance company you could get a discount of up to 20% off your total premium.
Anti-theft Discount - Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
Memberships - Belonging to a qualifying organization is a good way to get lower rates when shopping for car insurance.
Drivers Education - Have your child successfully complete driver's ed class in school.
Claim Free - Drivers who don't have accidents can save substantially when compared to bad drivers.
Accident Waiver - Certain companies will forgive one accident before raising your premiums if your claims history is clear prior to the accident.
Life Insurance - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Most only reduce individual premiums such as liability and collision coverage. So even though they make it sound like you can get free auto insurance, you won't be that lucky.

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

Free Quotes for Car Insurance in Kaplan, Louisiana

Most companies like State Farm, Allstate and GEICO provide price estimates online. Getting quotes is quite simple as you simply type in your coverage information into the quote form. Once you submit the form, their rating system will obtain your credit score and driving record and gives you a price quote determined by many factors. This streamlines rate comparisons, but the process of having to visit different websites and complete many quote forms gets old quite quickly. Unfortunately, it is important to do this if you want to find a lower rate.

Quote rates the easy way

The preferred way to locate the lowest prices is to use a quote form that gets prices from more than one company. It's a real time-saver, reduces the work, and makes online price comparison much easier to do. As soon as the form is sent, it gets priced and you can choose any one of the price quotes you receive. If a lower price is quoted, you can click and sign and buy the policy. The whole process takes 15 minutes at the most and you will find out if you're overpaying now.

To find out how much you're overpaying now, click here and input your coverage information. If you currently have coverage, we recommend you replicate as close as possible to your current policy. This makes sure you're receiving an apples-to-apples comparison based on the exact same insurance coverage.

It's not one size fits all

When choosing the right insurance coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Everyone's situation is a little different so your insurance should reflect that Here are some questions about coverages that may help you determine if you might need professional guidance.

What can I do if my company won't pay a claim?
What are Louisiana no-fault laws?
Can I get a multi-policy discount for packaging my home and auto coverage?
What is the difference between comprehensive and collision coverage?
Do I need special endorsements for business use of my vehicle?
Am I getting all the discounts available?
Is my cargo covered for damage or theft?
Will I be non-renewed for getting a DUI or other conviction?

If you're not sure about those questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Switch companies and save? Really?

Car insurance providers like State Farm, Allstate and GEICO constantly bombard you with ads in print and on television. They all make an identical promise about savings if you switch your coverage to them. How does each company make the same claim?

All companies have a preferred profile for the type of customer that is profitable for them. For example, a driver they prefer could be between 30 and 50, insures multiple vehicles, and chooses high deductibles. Any new insured who meets those qualifications will get the preferred rates and therefore will save when switching.

Consumers who do not match these standards will be quoted higher prices and ends up with business going elsewhere. The ads state "customers that switch" not "everyone that quotes" save that much money. This is how companies can truthfully state the savings. This emphasizes why drivers must get quotes from several different companies. It's just too difficult to predict which insurance companies will give you the biggest savings.

Affordable insurance is out there

When buying insurance coverage, make sure you don't reduce coverage to reduce premium. There have been many situations where drivers have reduced physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. The proper strategy is to get the best coverage possible at a price you can afford while still protecting your assets.

Cheaper car insurance can be found from both online companies as well as from independent agents in Kaplan, so compare prices from both in order to have the best price selection to choose from. Some insurance companies don't offer the ability to get a quote online and these regional insurance providers work with independent agents.

Even more information can be found at the Louisiana Department of Insurance website. Consumers can view a list of available companies, read enforcement actions against agents and companies, find out industry alerts, and view agent and company licensing information.

Additional helpful sites include this page for car insurance prices in Louisiana and this list of insurance agents in Kaplan, LA.