Getting the Cheapest La Place Car Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Believe me when I say many La Place consumers feel financially strained by their car insurance policy. Popular companies such as State Farm, Allstate, GEICO and Progressive continually bombard you with ad campaigns and it is difficult to sift through the bull and effectively compare rates to find the best deal.

If you are insured now or need new coverage, you will benefit by learning to find better prices while maintaining coverages. Choosing the best insurance company for you in La Place is quite easy. Louisiana drivers only need an understanding of the proper way to find the lowest price online.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the factors that come into play when calculating the rates you pay for car insurance. Having a good understanding of what determines base rates enables informed choices that could result in lower car insurance prices.

The list below includes a partial list of the pieces car insurance companies consider when setting premiums.

Protect your assets with liability insurance - The liability section of your policy provides coverage if you are found liable for causing damage or personal injury in an accident. Liability insurance provides legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.
Higher safety ratings means cheaper insurance - Cars with high safety ratings get lower rates. Safe vehicles reduce injuries and any reduction in injury severity means lower claim amounts and more competitive rates for policyholders.
Frequent car insurance claims increase rates - If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance companies in Louisiana generally give cheaper rates to policyholders who are claim-free. Auto insurance is intended for the large, substantial claims.
Lower rates with optional equipment - Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.
With age comes lower rates - Older insureds are more responsible, tend to file fewer claims and tend to be better behind the wheel. Youthful drivers tend to get distracted easily when behind the wheel and because of this, their car insurance rates are much higher.
Sex matters - Statistics demonstrate women are more cautious behind the wheel. However, don't assume that men are worse drivers. Women and men cause accidents in similar numbers, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get more serious tickets like DUI and reckless driving.
Bad driving skills means higher rates - Whether or not you get tickets has a huge affect on how much you pay. Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Even a single citation can boost insurance rates forty percent or more. Drivers with severe tickets like reckless driving, hit and run or driving under the influence are required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to drive a vehicle legally.

Don't pay full price with these discounts

Companies that sell car insurance don't list all available discounts in a way that's easy to find, so we researched both the well known and the harder-to-find discounts you could be receiving. If you aren't receiving every discount possible, you are paying more than you should be.

Organization Discounts - Being a member of a civic or occupational organization may earn a discount when buying car insurance.
Fewer Miles Equal More Savings - Keeping the miles down could be rewarded with a substantially lower rate.
Drivers Ed for Students - Cut your cost by having your teen driver enroll in driver's education in high school.
Pay Upfront and Save - By paying your policy upfront instead of making monthly payments you may reduce your total bill.
Student in College - Youth drivers who are attending college without a vehicle on campus may be able to be covered for less.
No Charge for an Accident - A handful of insurance companies will allow you to have one accident before hitting you with a surcharge so long as you haven't had any claims prior to the accident.
Discount for Good Grades - This discount can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
Defensive Driving Course - Completing a defensive driving course could possibly earn you a 5% discount if your company offers it.

Consumers should know that some of the credits will not apply the the whole policy. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, companies don't profit that way.

To choose insurers with the best car insurance discounts in La Place, click here.

The car insurance bait and switch

Consumers in Louisiana can't ignore all the ads that promise big savings by Allstate, GEICO and Progressive. All the companies have a common claim of big savings if you move to their company.

How can each company claim to save you money? This is how they do it.

All companies are able to cherry pick for the driver that makes them money. For instance, a profitable customer might be between 25 and 40, has no tickets, and chooses high deductibles. Any driver that hits that "sweet spot" is entitled to the best price and therefore will save when they switch companies.

Drivers who don't measure up to the requirements must pay a higher premium and this can result in the customer not buying. The ads state "drivers who switch" not "everyone that quotes" save that much. That's the way insurance companies can confidently state the savings. This illustrates why you should get quotes from several different companies. You cannot predict which car insurance company will give you the biggest savings.

Find out more about car insurance

More tips and info about car insurance is located at the Louisiana Department of Insurance website. Visitors are able to find out which companies have the most complaints, find disaster information, download brochures, and view a list of available companies.

In the end, you save

Cost effective car insurance is possible both online and also from your neighborhood La Place agents, so you should compare both to have the best selection. Some insurance companies may not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

When buying insurance coverage, it's not a good idea to buy poor coverage just to save money. In too many instances, an insured dropped liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. Your focus should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.