8 Ways to Save on Car Insurance in Luling, LA

Nobody cherishes buying car insurance, particularly when the cost is way too high. Lots of contend for your business, and it can be difficult to compare rates to find the lowest price

Automobile Insurance Quotes in Luling, LA

Cutting your Luling car insurance rates isn't really that difficult. Just spend a few minutes to compare quotes online from several insurance companies. This is very easy and can be done in a couple of different ways.

  • The recommended way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This easy form eliminates the need for multiple quote forms for each company you want a rate for. A single form will get you rate comparisons from multiple low-cost companies.
  • A more time consuming way to compare rate quotes requires you to visit the website of each company and request a quote. For examples sake, let's assume you want to compare , and . To get each rate you have to take the time to go to each site and enter your policy data, which is why the first method is quicker. To view a list of companies in Luling, click here.
  • The least recommended method to get comparison rates is to spend your day driving to insurance agents' offices. Shopping for car insurance online has reduced the need for local agents unless you want the trained guidance that only a license agent can provide. However, consumers can get the lowest quotes online and still use a local agent and we'll cover that in a bit.

It's your choice how you get your quotes, but make absolute certain that you use the exact same coverage information with every price quote. If you use unequal deductibles or liability limits then you won't be able to find the best deal in Luling.

Take advantage of discounts

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to cut the cost considerably. Certain discounts will be triggered automatically at the time you complete a quote, but a few need to be specially asked for prior to getting the savings. If they aren't giving you every credit you qualify for, you're paying more than you need to.

  • Federal Employees - Being employed by or retired from a federal job could cut as much as 10% off with a few car insurance companies.
  • Anti-lock Brake System - Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Senior Citizens - Mature drivers may be able to get a small decrease in premiums.
  • Multiple Vehicles - Insuring multiple vehicles on the same car insurance policy can get a discount on all vehicles.
  • Life Insurance - Companies who offer life insurance give lower rates if you buy life insurance.
  • Homeowners Savings - Simply owning a home can help you save on car insurance due to the fact that maintaining a home is proof that your finances are in order.
  • Passive Restraints - Cars that have air bags or motorized seat belts can get savings of 20% or more.
  • Driver Safety - Successfully completing a defensive driving course can save you 5% or more and easily recoup the cost of the course.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. Most only apply to specific coverage prices like comp or med pay. Just because you may think all the discounts add up to a free policy, car insurance companies aren't that generous. Any amount of discount will cut your overall premium however.

To see a list of insurance companies who offer car insurance discounts in Luling, click here to view.

How to know if you need help

When choosing the right insurance coverage for your vehicles, there is no "best" method to buy coverage. Every situation is different so your insurance should reflect that These are some specific questions might point out whether your personal situation will benefit from professional help.

  • Am I covered if I drive in a foreign country?
  • Do I need PIP (personal injury protection) coverage in Louisiana?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Am I covered when driving on a suspended license?
  • What happens if I owe more than my vehicle is worth?
  • When do I need to add a new car to my policy?
  • Can I rate high risk drivers on liability-only vehicles?

If you're not sure about those questions but a few of them apply, you might consider talking to 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 It only takes a few minutes and you can get the answers you need.

For more Louisiana car insurance information

Additional information can be found on the website for the Louisiana Department of Insurance found here. Visitors are able to download brochures, read consumer alerts, read enforcement actions against agents and companies, and report car insurance fraud.