Proven Ways to Save on Marion Auto Insurance

Scraping up a payment for overpriced auto insurance can empty your savings account and make it hard to pay other bills. Doing a price comparison is a great way to reduce premiums and put more money in your pocket.

Consumers have many to buy insurance from, and even though it's nice to have a selection, it can be more difficult to compare rates.

It's important to compare rates quite often since insurance rates are constantly changing. Even if you got the best rates last year the chances are good that you can find a lower rate today. There is too much inaccurate information about auto insurance on the web, but we're going to give you some great ways to save money.

Choosing the best insurance company for you in Marion is easy if you know what you're doing. Essentially anyone who is required by state law to have auto insurance stands a good chance to be able to reduce their rates. But Louisiana vehicle owners do need to know how big insurance companies price online insurance.

Don't pay full price with these discounts

Companies that sell car insurance do not list every available discount very clearly, so the following is a list of some of the best known and the harder-to-find discounts you could be receiving.

Good Student Discount - A discount for being a good student can get you a discount of up to 25%. The good student discount can last until age 25.
Resident Student - Youth drivers living away from home attending college and do not have a car may be able to be covered for less.
Anti-lock Brakes - Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
Senior Discount - Mature drivers may qualify for better auto insurance rates.
Payment Discounts - By paying your policy upfront instead of paying each month you may reduce your total bill.
Life Insurance Discount - Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
Multi-car Discount - Having more than one vehicle on the same auto insurance policy qualifies for this discount.
E-sign - Certain companies give back up to $50 for buying a policy and signing up over the internet.
Own a Home - Being a homeowner can save you money because owning a home demonstrates responsibility.

Consumers should know that some of the credits will not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like medical payments or collision. So when it seems like all the discounts add up to a free policy, companies don't profit that way.

To see a list of providers offering auto insurance discounts in Louisiana, click here.

Low Cost Marion Auto Insurance

Comparing auto insurance rates can be exhausting if you aren't aware of the most efficient way. You can waste a lot of time talking about coverages with local insurance agents in Marion, or you can stay home and use the web to quickly compare rates.

Many insurance companies belong to an insurance system that enables customers to only type in their quote data once, and each company can provide price quotes determined by their information. This prevents consumers from doing quote requests to each individual auto insurance company. To submit your quote information now, click to open in new window.

The one disadvantage to pricing coverage this way is that consumers can't choose which carriers you will receive quotes from. So if you want to choose specific providers to request quotes from, we have a page of the cheapest auto insurance companies in Louisiana. Click here for list of insurance companies in Louisiana.

However you get your quotes, make darn sure you compare identical coverage limits and deductibles with every price quote. If your comparisons have different liability limits it will be very difficult to find the best deal in Marion. Slightly different insurance coverages may result in a large different in cost. And when comparison shopping, getting more free quotes helps locate the best rates.

You have some control over your rates

An important part of buying insurance is that you know the factors that go into determining auto insurance rates. Knowing what controls the rates you pay enables informed choices that can help you get lower auto insurance prices.

Traffic citations inflate rates - Even a single ticket can boost insurance rates twenty percent or more. Careful drivers tend to pay less for car insurance than bad drivers. Drivers who get serious violations such as reckless driving, hit and run or driving under the influence may be required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to continue driving.
Mature drivers pay less - Teenage drivers in Louisiana are statistically proven to be less responsible when driving so they pay higher auto insurance rates. Having to add a teenage driver to your auto insurance policy can break the bank. More mature drivers tend to be more responsible, tend to file fewer claims and tend to be better behind the wheel.
Bundling policies can get discounts - Most insurance companies give discounts to people who buy several policies from them in the form of a multi-policy discount. Even though this discount sounds good, it's in your best interest to compare rates to ensure the best deal.
Battle of the sexes - Statistics have proven that women are safer drivers than men. That doesn't necessarily mean that men are worse drivers. Women and men cause accidents at a similar rate, but men cause more damage. Men also get more serious tickets like reckless driving and DUI. Teenage male drivers tend to get in the most accidents and therefore have the most expensive auto insurance rates.
Equipment add-ons that lower auto insurance rates - Purchasing a vehicle with anti-theft technology or alarm system can get you a discount on your auto insurance. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft.

Your personal situation dictates your coverage

When choosing coverage for your personal vehicles, there isn't really a one size fits all plan. Everyone's situation is unique and your policy should reflect that. Here are some questions about coverages that may help you determine whether or not you might need professional guidance.

Do I need to file an SR-22 for a DUI in Louisiana?
What are Louisiana no-fault laws?
Do I need PIP (personal injury protection) coverage in Louisiana?
Should I buy additional glass protection?
Are my tools covered if they get stolen from my vehicle?
What happens if I owe more than my vehicle is worth?
Am I covered if I wreck a rental car?
Does my liability insurance cover pulling a trailer or camper?

If you can't answer these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

The auto insurance bait and switch

Companies like State Farm and Allstate constantly bombard you with ads in print and on television. All the ads have a common claim that you'll save big if you switch to their company. How does each company say the same thing? This is how they do it.

All companies have a preferred profile for the driver that is profitable for them. A good example of a preferred risk might be profiled as between 30 and 50, insures multiple vehicles, and has great credit. A propective insured that hits that "sweet spot" receives the best rates and therefore will save when switching.

Potential customers who don't measure up to these standards will be charged a more expensive rate and this can result in business not being written. Company advertisements say "drivers who switch" not "everyone that quotes" save that much. This is how companies can advertise the savings. That is why drivers must get quotes from several different companies. It's not possible to predict which insurance companies will give you the biggest savings.

The best insurance company isn't always the cheapest

In this article, we covered a lot of techniques to compare auto insurance prices online. The key thing to remember is the more you quote, the higher your chance of finding lower rates. You may be surprised to find that the best prices are with a smaller regional carrier. These smaller insurers may often insure only within specific states and give getter rates as compared to the big name companies such as .

As you prepare to switch companies, it's very important that you do not reduce coverage to reduce premium. There have been many cases where drivers have reduced collision coverage and discovered at claim time that the small savings ended up costing them much more. Your goal should be to buy enough coverage for the lowest price, not the least amount of coverage.

More sites with auto insurance information

More detailed Louisiana auto insurance information can be read at the Louisiana Department of Insurance website. Louisiana drivers can file complaints about a company, read enforcement actions against agents and companies, read consumer alerts, and learn about insurance regulations.