Buy the Cheapest Lawtell Auto Insurance

Scraping up a payment for overpriced auto insurance can dwindle your bank account and make it impossible to make ends meet. Doing a price comparison is a smart way to slash your bill and have more diposable income. Companies like State Farm, Allstate, GEICO and Progressive promote their brand names with advertising and it can be hard to sift through the bull and find the best price available.

It's important to price shop coverage quite often because insurance rates are constantly changing. Even if you got the lowest price a few years ago there is a good chance you can find better rates now. Block out anything you think you know about auto insurance because you're about to find out the tricks you need to know to buy cheaper auto insurance.

If you have a current auto insurance policy or are looking for a new policy, you will benefit by learning to shop for the lowest rates and possibly find even better coverage. Finding affordable coverage in Lawtell is easy if you know what you're doing. Louisiana vehicle owners just need to know how to compare rates over the internet.

Learn How to Buy Auto Insurance Cheaper

Consumers need to have an understanding of some of the elements that help determine the price you pay for auto insurance. Having a good understanding of what controls the rates you pay helps enable you to make changes that may reward you with better auto insurance rates.

The following are a partial list of the pieces that factor into rates.

Your location affects your rates - Residing in a small town can be a good thing when insuring your vehicles. Lower population means reduced accidents as well as less vandalism and auto theft. City drivers regularly have much more traffic to deal with and much longer commute distances. Higher commute times means higher likelihood of an accident.
Teen drivers pay high rates - More mature drivers are viewed as being more responsible, tend to cause fewer accidents and are safer drivers. Teen drivers are known to be careless and easily distracted when driving and because of this, their auto insurance rates are much higher.
Drive less and save money - Driving more miles in a year's time the more you will pay for auto insurance. The majority of insurers apply a rate based on how the vehicle is used. Vehicles that are left in the garage receive lower rates compared to those used for work or business. Verify your auto insurance coverage is rated on the proper vehicle usage, because improper ratings can cost you money.
Lower rates with optional equipment - Purchasing a vehicle with anti-theft technology or alarm system can help bring down rates. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your car from being stolen.
Better crash test results mean better rates - Safer cars are cheaper to insure. These vehicles have better occupant injury protection and lower injury rates translates into savings for insurance companies and more competitive rates for policyholders.

Low Cost Lawtell Auto Insurance

Reducing your insurance rates can be surprisingly simple. Consumers just need to spend a few minutes on the computer comparing rates provided by online insurance companies. It is quite easy and can be accomplished using a couple different methods.

The fastest way consumers can make multiple comparisons is a comparison rater form (click to open form in new window). This method saves time by eliminating repetitive form entry for each company. One form gets rate comparisons direct from many companies.
A less efficient way to shop for auto insurance online is spending the time to visit the website for each individual company to complete a price quote. For instance, let's say you want comparison quotes from , and . You would have to go to every website and enter your policy data, and that's why the first method is more popular.

For a list of links to companies insuring cars in Lawtell, click here.

It doesn't matter which method you choose, just make darn sure you compare exactly the same information for every company. If you are comparing higher or lower deductibles you will not be able to decipher which rate is best in Lawtell.

Policy discounts you shouldn't miss

Car insurance companies don't necessarily list all their discounts in a way that's easy to find, so we researched both well-publicized and the harder-to-find auto insurance savings. If you aren't receiving every discount you deserve, you are paying more than you should be.

Discount for Life Insurance - Select insurance companies reward you with better rates if you take out life insurance from them.
College Student - Children who are attending college and do not have access to a covered vehicle can receive lower rates.
Discount for New Cars - Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
Drivers Ed for Students - Cut your cost by having your teen driver complete a driver education course if it's offered in school.
Drive Less and Save - Fewer annual miles could be rewarded with lower rates on the low mileage vehicles.
Payment Method - If you pay your bill all at once instead of making monthly payments you could save 5% or more.
Save over 55 - If you're over the age of 55, you may be able to get a discount up to 10%.
Organization Discounts - Participating in a civic or occupational organization could qualify you for a break on auto insurance.
Use Seat Belts - Using a seat belt and requiring all passengers to use their safety belts could save 15% on the medical payments or PIP coverage costs.
Accident Waiver - A handful of insurance companies will allow you to have one accident before hitting you with a surcharge as long as you don't have any claims for a certain period of time.

Drivers should understand that most credits do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, companies wouldn't make money that way.

To choose companies who offer auto insurance discounts in Lawtell, follow this link.

Save $429 a year? Really?

Louisiana consumers can't ignore all the ads for car insurance savings from companies such as GEICO, State Farm and Progressive. They all seem to say the same thing that you'll save big after switching your policy.

How can each company make almost identical claims? This is how they do it.

Different companies have a preferred profile for the right customer that makes them money. For instance, a desirable insured could possibly be over the age of 40, insures multiple vehicles, and has a short commute. A driver who fits that profile gets the lowest rates and is almost guaranteed to save when they switch companies.

Potential insureds who don't qualify for the requirements will have to pay more money which usually ends up with the driver buying from a lower-cost company. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that kind of money. This is how companies can make the claims of big savings. Because of the profiling, you need to compare as many rates as you can. It is impossible to predict which insurance companies will fit your personal profile best.

Insurance agents can help

When buying the best auto insurance coverage for your personal vehicles, there really is not a one size fits all plan. Every insured's situation is different and a cookie cutter policy won't apply. For example, these questions may help you determine whether your personal situation could use an agent's help.

When does my teenage driver need to be added to my policy?
Do I pay less if my vehicle is kept in my garage?
Who is covered when they drive my vehicle?
Is rental equipment covered for theft or damage?
Is my dog or cat covered if injured in an accident?
What can I do if my company won't pay a claim?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Are rental cars covered under my policy?

If you don't know the answers to these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

More detailed Louisiana auto insurance information is located at the Louisiana Department of Insurance website. Louisiana consumers can view agent and company licensing information, read enforcement actions against agents and companies, file complaints about an insurance agent or broker, and view a list of available companies.

A tidy conclusion

As you shop your coverage around, it's not a good idea to reduce coverage to reduce premium. In many instances, drivers have reduced liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy the best coverage you can find for the lowest price.

Budget-conscious auto insurance can be purchased online in addition to many Lawtell insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers do not provide online price quotes and most of the time these small, regional companies sell through independent agents.