Compare Milton Auto Insurance Prices With These Methods

Are you overwhelmed by the crazy number of auto insurance companies in Milton? You're not the only one! There are so many choices that it can turn into a big hassle to locate the lowest price.

It's important to compare prices at least once a year since insurance rates are constantly changing. Even if you got the best price last year the chances are good that you can find a lower rate today. Ignore everything you know about auto insurance because I'm going to let you in on the secrets to the only way to get good coverage at a lower rate.

Don't pay full price with these discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that many people don't even know exist. Larger premium reductions will be automatically applied at the time you complete a quote, but a few need to be asked for prior to getting the savings.

Senior Discount - Mature drivers may qualify for a small decrease in premiums.
Defensive Driver - Taking a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.
Anti-theft System - Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
Drive Less and Save - Driving fewer miles can earn better rates on cars that stay parked.
Payment Discounts - If paying your policy premium upfront instead of paying each month you could save up to 5%.
Memberships - Affiliation with certain professional organizations could trigger savings on auto insurance.

A little note about advertised discounts, many deductions do not apply the the whole policy. Most only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, you won't be that lucky. Any amount of discount will cut your premiums.

To see a list of companies offering auto insurance discounts in Milton, click this link.

Compare the Market for Auto Insurance in Milton

Comparing auto insurance rates can be challenging if you aren't aware of the best way to get rate quotes. You can waste a lot of time talking to insurance agencies in Milton, or you could save time and use the web to get pricing more quickly.

Many insurance companies belong to a marketplace that enables customers to submit one quote, and each company then gives them pricing for coverage. This system prevents you from having to do quote forms to each individual auto insurance company. To submit your quote information now, click to open in new window.

The one downside to pricing coverage this way is you are unable to specify which carriers to receive prices from. So if you want to select individual companies to compare, we put together a list of auto insurance companies in Louisiana. Click here for list of insurance companies in Louisiana.

It doesn't matter which method you choose, just compare the exact same coverage limits and deductibles with every price quote. If you use different liability limits it will be impossible to find the best deal in Milton. Having just a slight variation in coverages can result in a big premium difference. Just keep in mind that comparing a large number of companies will increase your chances of finding the best rates.

How to Lower your Auto Insurance Rates

An important part of buying insurance is that you know the rating factors that go into determining auto insurance rates. Understanding what impacts premium levels empowers consumers to make smart changes that may reward you with better auto insurance rates.

Battle of the sexes - Statistics demonstrate that men are more aggressive behind the wheel. That doesn't necessarily mean that women are BETTER drivers than men. Men and women cause accidents in similar percentages, but the males cause more damage. They also have more aggressive citations like reckless driving and DUI. Youthful male drivers are most likely to cause an accident and therefore have the most expensive auto insurance rates.
Add-on coverages can add up - There are many extra coverages that you can buy if you aren't careful. Coverages like personal injury protection, towing coverage and additional equipment coverage may be wasting your money. These may sound like a good investment when you first buy your policy, but now you might not need them so get rid of them and save.
Multiple policies with one company can save - Most auto insurance companies will give a discount to people who buy several policies from them. It's known as a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. Even if you're getting this discount you still need to compare rates to verify if the discount is saving money. You may still be able to find a better deal by insuring with multiple companies.
Higher safety ratings means cheaper insurance - Safer cars tend to have better insurance rates. These vehicles protect occupants better and better occupant protection means lower claim amounts and lower rates for you.
Equipment add-ons that lower auto insurance rates - Choosing a vehicle with an alarm system can save you a little every year. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart your vehicle from being stolen.
Liability coverage is cheap - Liability insurance provides coverage if ever a jury decides you are liable for personal injury or accident damage. Liability insurance provides for a legal defense up to the limits shown on your policy. This coverage is very inexpensive compared to physical damage coverage, so drivers should carry high limits.
Your job and insurance rates - Did you know your auto insurance rates can be affected by your occupation? Jobs such as lawyers, executives and accountants have higher rates than average because of high stress levels and long work hours. On the flip side, jobs such as actors, athletes and homemakers get better rates.

The auto insurance bait and switch

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm constantly bombard you with ads in print and on television. They all seem to make the same claim about savings if you switch your coverage to them. How do they all say the same thing?

Different companies are able to cherry pick for the type of customer that is profitable for them. For example, a desirable insured might be profiled as a mature driver, has no tickets, and drives newer vehicles. A propective insured who matches those parameters is entitled to the best price and therefore will cut their rates substantially.

Potential customers who don't measure up to the "perfect" profile will have to pay a more expensive rate which leads to business not being written. The ads state "customers that switch" not "everyone that quotes" save that much money. That's the way companies can truthfully claim big savings.

Because of the profiling, drivers must compare as many rates as you can. It's not possible to predict which auto insurance company will give you the biggest savings.

Shop smart and save

When trying to cut insurance costs, you should never reduce coverage to reduce premium. There are many occasions where an insured dropped physical damage coverage only to regret at claim time that it was a big mistake. Your aim should be to buy a smart amount of coverage at a price you can afford.

Cheaper auto insurance can be found on the web as well as from independent agents in Milton, and you need to price shop both to have the best rate selection. A few companies don't offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

Insureds switch companies for a number of reasons such as denial of a claim, questionable increases in premium, policy non-renewal or delays in responding to claim requests. Regardless of your reason, choosing a new insurance company is actually quite simple.

Additional information can be found on the Louisiana Department of Insurance website located here. Louisiana drivers can learn about insurance regulations, discover disciplinary actions, and read consumer alerts.