Tightwads Instructions on Saving on Mamou Car Insurance

Tired of not being able to afford each month for car insurance? You are no different than many other drivers in Louisiana. Lots of contend for your insurance dollar, so it's not easy to compare every to discover the definitive lowest price

Compare the Market for Car Insurance in Mamou

Shopping for lower car insurance rates can take hours if you don't know the most efficient way to do it. You could spend your day driving to local insurance agents in Mamou, or you could save time and use the internet to accomplish the same thing much quicker.

All the larger companies belong to an insurance system that allows shoppers to submit one quote, and each company provides a quote. This eliminates the need for repetitive form submissions for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

The only drawback to pricing coverage this way is that consumers can't choose which companies to get quotes from. So if you want to select specific providers to request quotes from, we put together a list of car insurance companies in Louisiana. View list of Louisiana insurance companies.

Which method you use is up to you, but double check that you are using the exact same coverages with every price quote. If you are comparing different limits and deductibles on each one it's not possible to find the best deal in Mamou.

You have some control over your rates

It's important that you understand some of the elements that come into play when calculating the rates you pay for car insurance. Understanding what impacts premium levels enables informed choices that will entitle you to lower car insurance prices.

Too many car insurance claims drive up costs - If you are a frequent claim filer, you can definitely plan on either a policy non-renewal or much higher rates. Companies in Louisiana provide better rates to insureds who are claim-free. Auto insurance is intended for major claims that would cause financial hardship.
Rates may be higher depending on your occupation - Careers like doctors, architects and accountants tend to have higher rates than average because of high stress levels and lengthy work days. On the flip side, occupations like farmers, athletes and the unemployed receive lower rates.
Older drivers save more - Mature drivers are more cautious drivers, tend to file fewer claims and are safer drivers. Youthful drivers tend to be more careless in a vehicle therefore car insurance rates are much higher.
Big city or small town - Being located in a rural area can save you money when talking about car insurance. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims. Drivers who live in large Louisiana cities have traffic congestion and longer commute times. More time commuting means higher likelihood of an accident.
Men fork out a little more - The statistics show that men are more aggressive behind the wheel. However, don't assume that men are worse drivers. Women and men have accidents at about the same rate, but the men cause more damage and cost insurance companies more money. Men also statistically get cited for more serious violations like DUI and reckless driving.
Add-on coverages can add up - There are a lot of extra bells and whistles that can waste your money when buying car insurance. Coverages like vanishing deductibles, accident forgiveness and term life insurance are examples of these. These may sound like a good investment when you first buy your policy, but if they're wasting money get rid of them and save.
Bad driving skills means higher rates - A bad driving record impacts your car insurance rates tremendously. Careful drivers have lower premiums than people who have multiple driving citations. Just one moving violation can boost insurance rates by twenty percent. If you have severe violations such as reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.

How much can you save with discounts?

Insuring your fleet can be pricey, but there could be available discounts that can drop the cost substantially. A few discounts will automatically apply at the time you complete a quote, but lesser-known reductions have to be requested specifically prior to getting the savings. If they aren't giving you every credit available, you're just leaving money on the table.

Student Driver Training - Require your teen driver to successfully complete driver's ed class in high school.
No Accidents - Claim-free drivers can earn big discounts when compared to frequent claim filers.
Distant Student - Children who live away from home without a vehicle on campus can receive lower rates.
Discount for Life Insurance - Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
Senior Citizens - Older drivers can possibly qualify for better car insurance rates.
Defensive Driving Course - Completing a defensive driving course could save 5% or more depending on where you live.

As a disclaimer on discounts, most credits do not apply to the entire cost. The majority will only reduce individual premiums such as liability and collision coverage. Even though it may seem like you can get free auto insurance, car insurance companies aren't that generous. Any amount of discount will cut the amount you have to pay.

For a list of insurance companies with the best car insurance discounts in Mamou, follow this link.

Additional information is available on the website for the Louisiana Department of Insurance located here. Visitors are able to download brochures, read industry bulletins, read enforcement actions against agents and companies, and view agent and company licensing information.

A tidy conclusion

Cheap car insurance is definitely available both online and also from your neighborhood Mamou agents, so compare prices from both to have the best rate selection. Some insurance companies may not provide online quoting and these smaller companies work with independent agents.

As you restructure your insurance plan, never reduce needed coverages to save money. There have been many situations where an insured dropped comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. The proper strategy is to buy the best coverage you can find at a price you can afford while still protecting your assets.