Easy Methods to Pay Less on Marrero Car Insurance

If you've never shopped for car insurance online, it's easy to be confused by the vast number of car insurance companies competing for business in Marrero.

If you have car insurance now, you will most likely be able to lower your premiums substantially using this strategy. This article will familiarize you with how to get online quotes and some tricks to saving. Although Louisiana consumers do need to know how companies price insurance differently and use this information to your advantage.

Are you getting all your discounts?

Car insurance companies don't always publicize every discount in an easy-to-find place, so we break down both the well known as well as the least known savings tricks you should be using.

Federal Employees - Being employed by or retired from a federal job can save as much as 8% with a few car insurance companies.
Good Student - A discount for being a good student can get you a discount of up to 25%. This discount can apply well after school through age 25.
Life Insurance - Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
Driver Safety - Completing a defensive driving course can save you 5% or more and easily recoup the cost of the course.
Senior Citizens - Mature drivers may be able to get a discount up to 10%.
Payment Method - If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
Accident Forgiveness - A few companies will forgive one accident before raising your premiums if your claims history is clear prior to the accident.

A little note about advertised discounts, most discounts do not apply to the entire policy premium. Some only reduce individual premiums such as comp or med pay. So even though it sounds like it's possible to get free car insurance, you won't be that lucky.

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

Car Insurance Comparison Rates in Marrero, LA

Most companies such as Progressive, Allstate and GEICO provide coverage price quotes online. Obtaining pricing doesn't take a lot of time as you simply type in your personal and coverage information as detailed in the form. Once you submit the form, the system will obtain your driving record and credit report and returns a price.

Online price quotes makes it a lot easier to compare rates but having to visit a lot of sites and fill out multiple forms is not the best way to spend an afternoon. But it's very important to compare as many rates as possible if you want to find the best price on car insurance.

The preferred way to compare rates makes use of a single form to obtain quotes from many companies. The form is fast, requires less work, and makes online shopping a little more enjoyable. After your information is entered, it gets priced and you can select any of the price quotes you receive. If a lower price is quoted, it's easy to complete the application and purchase coverage. The whole process takes less than 15 minutes and you will find out if you're overpaying now.

In order to find out if lower rates are available, click here to open in new window and fill out the form. To compare your current rates, we recommend you enter as close as possible to your current policy. This makes sure you will be getting a fair comparison based on the exact same insurance coverage.

Learn How to Buy Car Insurance Cheaper

An important part of buying insurance is that you know the different types of things that help determine the rates you pay for car insurance. Understanding what impacts premium levels helps enable you to make changes that will entitle you to lower car insurance prices.

The following are a few of the "ingredients" that factor into prices.

An active claims history can cost you - If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Companies in Louisiana award better rates to insureds who do not rely on their insurance for small claims. Auto insurance is intended for larger claims.
Bad driving skills means higher rates - Drivers with clean records have lower premiums compared to drivers with tickets. Even one moving violation may increase your cost twenty percent or more. If you have flagrant violations like hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 form to the state department of motor vehicles in order to keep their license.
Rate your vehicle for proper use - Driving more miles each year the higher your rate. The majority of insurers charge to insure your cars based upon how you use the vehicle. Cars and trucks left parked in the garage qualify for better rates than vehicles that are driven to work every day. Make sure your car insurance coverage is showing the proper vehicle usage.
Do you need those extra coverages? - There are a ton of additional coverages that can waste your money when buying car insurance. Coverages like rental car reimbursement, accident forgiveness and membership fees may be costing you every month. These may sound like a good investment when you first buy your policy, but your needs may have changed so get rid of them and save.

Tailor your coverage to you

When choosing adequate coverage for your vehicles, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

For instance, these questions may help highlight whether you would benefit from an agent's advice.

Am I covered if I drive in a foreign country?
Should I buy only the required Louisiana minimum liability coverage?
What happens if I owe more than my vehicle is worth?
Should I rate my vehicle as pleasure use or commute?
Should I buy additional glass protection?
What can I do if my company won't pay a claim?

If you're not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. If you don't have a local agent, fill out this quick form.

How can Progressive, Allstate and GEICO save drivers who switch?

Car insurance providers like Progressive, Allstate and GEICO continually stream ads on television and other media. They all make an identical promise about savings after switching your policy. How do they all claim to save you money?

All companies have a certain "appetite" for the right customer that is profitable for them. For example, a driver they prefer might be between 25 and 40, a clean driving record, and has excellent credit. Any driver who meets those qualifications will get very good rates and as a result will probably cut their rates substantially.

Consumers who are not a match for the "perfect" profile will be quoted higher rates and ends up with the customer not buying. The ads say "customers that switch" not "everybody who quotes" save that kind of money. That is how companies can truthfully make those claims. This emphasizes why drivers must get as many comparisons as possible. You cannot predict which company will have the lowest rates.

Final considerations

People change insurance companies for a number of reasons such as extreme rates for teen drivers, high prices, delays in paying claims or delays in responding to claim requests. Regardless of your reason for switching companies, choosing a new insurance company is actually quite simple.

We just presented many tips how you can compare car insurance prices online. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may even find the most savings is with the least-expected company.

While you're price shopping online, you should never reduce coverage to reduce premium. There are too many instances where someone dropped uninsured motorist or liability limits only to regret they didn't purchase enough coverage. Your strategy should be to find the BEST coverage at a price you can afford while still protecting your assets.

Even more information can be found at the Louisiana Department of Insurance website. Visitors are able to download brochures, file complaints about a company, and file complaints about an insurance agent or broker.