Car Insurance in Mansura, LA - 8 Tips to Save Money

Expensive car insurance can dwindle your savings account and make it impossible to make ends meet. Comparison shopping is a great way to tighten up your finances.

Lots of contend for your hard-earned dollar, and because of this it can be hard to compare and get the best coverage at the lowest price

How much can you save with these eight discounts?

Companies that sell car insurance don't necessarily list all available discounts in an easy-to-find place, so we researched both the well known as well as the least known discounts you could be receiving.

Multiple Vehicles - Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
Student in College - Youth drivers who are attending college and do not have access to a covered vehicle can receive lower rates.
Life Insurance Discount - Companies who offer life insurance give lower rates if you buy life insurance.
Save with a New Car - Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
Clubs and Organizations - Being a member of certain professional organizations may earn a discount when buying car insurance.
Military Discounts - Being deployed with a military unit may qualify for rate reductions.
Government Employees - Active or retired federal employment could cut as much as 10% off depending on your company.
Auto/Home Discount - If you have multiple policies with one company you could get a discount of at least 10% off all policies.

As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. Most only cut individual premiums such as physical damage coverage or medical payments. Even though it may seem like adding up those discounts means a free policy, car insurance companies aren't that generous.

How much car insurance do I need?

When it comes to buying the best car insurance coverage for your personal vehicles, there is no "best" method to buy coverage. Everyone's situation is a little different and your policy should reflect that. For example, these questions may help you determine if your insurance needs might need an agent's assistance.

Can I afford to buy a different vehicle if my vehicle is totaled?
Do I pay less if my vehicle is kept in my garage?
What happens if I owe more than my vehicle is worth?
Am I covered when driving on a suspended license?
Can I still get insurance after a DUI?
Will I be non-renewed for getting a DUI or other conviction?
Are rental cars covered under my policy?
Am I covered when delivering products for my home-based business?

If you can't answer these questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Save 15 percent in 15 minutes? Is it for real?

Allstate, GEICO and Progressive continually stream television and radio advertisements. All the companies have a common claim about savings after switching your policy. How do they all claim to save you money?

Insurance companies have a preferred profile for the right customer that earns them a profit. For instance, a profitable customer might be between the ages of 30 and 50, insures multiple vehicles, and drives less than 10,000 miles a year. Any new insured that hits that "sweet spot" will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.

Potential insureds who don't meet the "perfect" profile must pay more money and this can result in the customer not buying. The ad wording is "customers that switch" but not "drivers who get quotes" save that kind of money. This is how companies can truthfully advertise the way they do. This illustrates why drivers should get quotes from several different companies. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

More sites with car insurance information

Even more information is located at the Louisiana Department of Insurance website. Visitors are able to report car insurance fraud, read enforcement actions against agents and companies, file complaints about an insurance agent or broker, and read industry bulletins.

The best insurance company isn't always the cheapest

Cheap car insurance can be purchased both online in addition to many Mansura insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some car insurance companies do not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, never skimp on coverage in order to save money. In too many instances, drivers have reduced collision coverage and learned later that the savings was not a smart move. Your focus should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.