Tightwads Tips for Saving on Livingston Auto Insurance

Are you tired of being strong-armed each month for car insurance? Your situation is no different than many other Louisiana drivers. Drivers have multiple to buy insurance from, and although it's nice to have a selection, it can be more challenging to compare rates.

It's important to compare prices before your policy renews because insurance rates are constantly changing. Despite the fact that you may have had the lowest rates last year you can probably find a lower rate today. Starting now, forget all the misinformation about auto insurance because you're about to learn the tricks you need to know to find lower rates on auto insurance.

Buying car insurance in Livingston is not that difficult. If you have a current auto insurance policy or need new coverage, you can follow these tips to find better prices and possibly find even better coverage. Louisiana consumers only need to know the most effective way to get comparison rates over the internet.

Livingston auto insurance comparison

Compare Livingston Auto Insurance Costs

Cutting your Livingston auto insurance rates doesn't have to be difficult. You just have to spend a few minutes on the computer to compare rate quotes provided by online insurance companies. This can be done using a couple different methods.

  • The recommended way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This type of form eliminates the need for separate quotation requests for every auto insurance company. In just a few minutes this one form will get you rate comparisons from auto insurance companies with the best prices.
  • A less efficient way to get quotes online requires you to visit each company's website and fill out their own quote form. For instance, let's assume you want rates from , and . To get rate quotes you would need to go to every website and enter your policy data, which is why the first method is quicker.

    To view a list of companies in Livingston, click here.
  • The most time-consuming way to get comparison rates is driving to local Livingston insurance agencies. Buying insurance online has reduced the need for local agents unless you want the trained guidance of a local Livingston agent. It is possible to get the lowest quotes online and still use a local agent.

However you get your quotes, ensure you're using identical coverage information for every quote you compare. If your comparisons have unequal deductibles or liability limits you can't possibly determine the best price in Livingston.

Save big with these discounts

Companies that sell car insurance don't always publicize all their discounts very clearly, so we break down both well-publicized and also the lesser-known discounts you could be receiving. If you're not getting every credit available, you're paying more than you need to.

  • Save over 55 - Mature drivers may be able to get better auto insurance rates.
  • Employee of Federal Government - Being employed by or retired from a federal job can save as much as 8% with select insurance companies.
  • College Student - Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Sign Online - Certain companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Drive Less and Save - Fewer annual miles can earn a substantially lower rate.
  • One Accident Forgiven - Certain companies allow you one accident before raising your premiums as long as you don't have any claims prior to the accident.
  • Anti-theft Discount - Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.

A little note about advertised discounts, some of the credits will not apply to the entire cost. A few only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, you won't be that lucky.

To see a list of companies who offer auto insurance discounts in Louisiana, click here.

Even more information can be found at the Louisiana Department of Insurance website. Louisiana consumers can learn about insurance regulations, read industry bulletins, read enforcement actions against agents and companies, and get help finding coverage.