Free Guide to Saving Money on Norco Auto Insurance Online

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Believe me, you are not the only one feeling buyer's remorse. Companies like GEICO and Progressive promote their brand names with advertising and it can be hard to sift through the bull and find the best price available.

Take advantage of discounts

Properly insuring your vehicles can get expensive, but you can get discounts that you may not know about. A few discounts will automatically apply when you purchase, but some may not be applied and must be specially asked for before being credited. If you aren't receiving every discount possible, you're paying more than you need to.

No Accidents - Drivers with accident-free driving histories pay less when compared to bad drivers.
Low Mileage Discounts - Fewer annual miles could qualify for a substantially lower rate.
Homeowners Discount - Simply owning a home can save you money due to the fact that maintaining a home demonstrates responsibility.
Paperwork-free - Some insurance companies will discount your bill up to fifty bucks just for signing your application digitally online.
No Charge for an Accident - A handful of insurance companies will forgive one accident before raising your premiums if your claims history is clear for a certain period of time.

Keep in mind that some credits don't apply the the whole policy. Most cut individual premiums such as comp or med pay. Just because it seems like you would end up receiving a 100% discount, it just doesn't work that way. But any discount will reduce your overall premium however.

To see a list of insurance companies who offer auto insurance discounts in Norco, click here.

Compare the Market for Auto Insurance in Norco

Finding cheaper auto insurance prices doesn't have to be difficult. Just spend a few minutes on the computer comparing rate quotes online from several insurance companies. It is quite easy and can be accomplished in several different ways.

The best way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This type of form keeps you from doing multiple quote forms for each company. Completing one form gets you price quotes from multiple low-cost companies.
A less efficient way to compare rate quotes requires visiting the website of each company and fill out their own quote form. For example, let's say you want to compare rates from , and . You would have to visit each site and enter your policy data, which is why the first method is more popular. To view a list of companies in Norco, click here.

Whichever method you choose, compare exactly the same quote information for each comparison quote. If you compare mixed coverages it's impossible to determine the lowest rate in Norco.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know the factors that help determine the price you pay for auto insurance. Having a good understanding of what influences your rates enables informed choices that will entitle you to better auto insurance rates.

Occupation reflects on rates - Did you know that where you work can have an impact on rates? Careers like real estate brokers, social workers and dentists tend to have the highest average rates because of high stress and long work hours. Other professions such as actors, historians and performers receive lower rates.
Little extras can really add up - There are a ton of extra coverages that can waste your money on your auto insurance policy. Insurance for roadside assistance, accident forgiveness and term life insurance are some examples. These coverages may sound good when you first buy your policy, but if they're wasting money eliminate the coverages to reduce your premium.
Adjust deductibles and save - The deductibles define the amount you are required to spend before your auto insurance pays a claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some instances where coverage would apply could be running into the backend of another car, damage caused by hail, and burglary. The more expense you are required to pay out-of-pocket, the less your auto insurance will be.
Having a spouse can save you money - Getting married can get you a discount on auto insurance. Having a significant other means you're more mature and it's proven that being married results in fewer claims.
Where you live - Choosing to live in a small town can save you money when insuring your vehicles. Less people living in that area translates into fewer accidents and a lower car theft rate. Drivers in populated Louisiana areas regularly have traffic congestion and longer commutes to work. Higher commute times means more change of being in an accident.
Traffic violations increase rates - A bad driving record has a huge affect on how much you pay. Even one ticket can boost insurance rates twenty percent or more. Careful drivers have lower premiums compared to drivers with tickets. If you have flagrant violations such as reckless driving, hit and run or driving under the influence may find they need to file a SR-22 with their state DMV in order to keep their license.
Multi-policy discounts can save money - Many insurance companies provide better rates to customers who carry more than one policy such as combining an auto and homeowners policy. Discounts can add up to 10 percent or more. Even with this discount, you still need to compare rates to ensure the best deal. You may still find a better deal by splitting coverages up.

Are auto insurance companies telling the truth?

Louisiana consumers can't get away from ads that promise big savings by Progressive, Allstate and GEICO. They all have a common claim that you can save after switching to their company.

How can each company make almost identical claims?

Different companies are able to cherry pick for the driver that is profitable for them. A good example of a driver they prefer could possibly be between 30 and 50, has no tickets, and chooses high deductibles. A driver that hits that "sweet spot" gets the lowest rates and most likely will save when they switch companies.

Consumers who don't qualify for the requirements will be quoted higher prices and this can result in the driver buying from a lower-cost company. The ads say "customers that switch" not "people who quote" save that much. That's the way insurance companies can state the savings.

This emphasizes why drivers must compare as many rates as you can. It is impossible to predict which auto insurance company will give you the biggest savings.

A tidy conclusion

Affordable auto insurance can be sourced online and also from your neighborhood Norco agents, so compare prices from both in order to have the best price selection to choose from. Some insurance companies may not provide the ability to get a quote online and these small insurance companies work with independent agents.

When buying insurance coverage, it's a bad idea to reduce coverage to reduce premium. There are too many instances where an insured dropped collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase plenty of coverage at a price you can afford while still protecting your assets.

More information can be read on the website for the Louisiana Department of Insurance located here. Louisiana consumers can read industry bulletins, discover disciplinary actions, report car insurance fraud, and get help finding coverage.