6 Best Methods to Slash Car Insurance Costs in Kinder

Shopping for affordable Kinder car insurance on the internet is rather challenging for people who are new to buying insurance on the web. When there are so many choices, how can you possibly compare them all to find the best available rates?

Save big with these six discounts

Companies that sell car insurance don't always list every discount in an easy-to-find place, so here is a list both the well known and the harder-to-find car insurance savings. If they aren't giving you every credit you deserve, you are paying more than you should be.

  • Government Employees - Employees or retirees of the government can save as much as 8% with a few car insurance companies.
  • Discount for Life Insurance - Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
  • Organization Discounts - Being a member of certain professional organizations could qualify you for a break when shopping for car insurance.
  • Multiple Cars - Insuring all your vehicles with the same company qualifies for this discount.
  • Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
  • Lower Rates for Military - Having a deployed family member could be rewarded with lower premiums.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like comp or med pay. So despite the fact that it appears all the discounts add up to a free policy, you won't be that lucky.

To choose insurance companies with discount car insurance rates in Kinder, follow this link.

Car insurance ads bend the truth

Consumers in Louisiana can't ignore all the ads for car insurance savings from the likes of Progressive, Allstate and GEICO. They all say the same thing about savings if you change your coverage to them.

How do they all claim to save you money? This is how they do it.

All companies have a preferred profile for the type of customer that makes them money. An example of a driver they prefer might be between the ages of 30 and 50, has no prior claims, and has great credit. Any new insured who fits that profile will get very good rates and most likely will cut their rates substantially.

Potential insureds who fall outside the "perfect" profile will be quoted more money which usually ends up with the customer not buying. The ads say "drivers who switch" not "people who quote" save that much money. This is how companies can truthfully advertise the savings. This emphasizes why you should get quotes from several different companies. It's just too difficult to predict which insurance companies will give you the biggest savings.

But I don't know anything about car insurance

When buying proper insurance coverage for your personal vehicles, there is no "best" method to buy coverage. Every insured's situation is different.

These are some specific questions can help discover if your situation might need an agent's assistance.

  • Do I have coverage for damage caused while driving under the influence?
  • What happens if I owe more than my vehicle is worth?
  • Are rental cars covered under my policy?
  • Am I covered when driving on a suspended license?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when delivering products for my home-based business?
  • Why am I required to get a high-risk car insurance policy?

If you don't know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. If you don't have a local agent, fill out this quick form. It is quick, free and may give you better protection.

Learn more about car insurance in Louisiana

Even more information is available at the Louisiana Department of Insurance website. Visitors are able to download brochures, file complaints about an insurance agent or broker, and find out which companies have the most complaints.

Louisiana car insurance quotes

Best coverage at the best price

Consumers leave their current company for any number of reasons including high rates after DUI convictions, delays in paying claims, questionable increases in premium or even lack of trust in their agent. Whatever your reason, switching car insurance companies is easier than you think.

As you prepare to switch companies, never buy poor coverage just to save money. There are too many instances where consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. Your strategy should be to find the BEST coverage for the lowest price while still protecting your assets.

Cheaper car insurance can be sourced both online as well as from independent agents in Kinder, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who don't offer online price quotes and these smaller companies work with independent agents.