Free Guide to Saving Money on Patterson Car Insurance Online

Did you fall for a flashy sales pitch and buy high-priced car insurance? Trust us, you're not the only one.

There are many to buy insurance from, and although it's nice to have a selection, it makes it harder to compare rates.

Buying car insurance in Patterson is easy if you know what you're doing. Basically, every driver who is required by state law to have car insurance will most likely be able to save money. But Louisiana car owners do need to know how the larger insurance companies compete online and use this information to your advantage.

compare Patterson car insurance rates

Compare the Market for Car Insurance in Patterson

There are several ways to compare quotes from car insurance companies in your area. The best method to find the cheapest insurance rates is to use the internet to compare rates. This can be done in several different ways.

  • The recommended way to get quotes is to use a rate comparison form click here to open form in new window. This method saves time by eliminating repetitive form entry for each company. Completing one form will get you rate comparisons direct from many companies.
  • Another way to get quotes online requires you to visit the website of each company to complete a price quote. For instance, let's assume you want to compare rates from , and . You would have to go to every website and enter your policy data, which is why the first method is quicker.

    To view a list of companies in Patterson, click here.
  • The least efficient method to get comparison rates is to spend your day driving to different Patterson agent offices. The internet has reduced the need for local agents unless you want the personal advice of a licensed agent. You can, however, get the lowest quotes online and still use a local agent and we'll talk about that later.

Whichever way you use, compare identical coverage information for every company. If you use unequal deductibles or liability limits then you won't be able to decipher which rate is best in Patterson. Just a small difference in insurance coverages can make a big difference in price. Just keep in mind that quoting more helps locate the best offered rates.

Save big with these discounts

Companies that sell car insurance do not list every discount very clearly, so we break down some of the more common and also the lesser-known car insurance savings.

  • Drivers Education - Have your child successfully complete driver's ed class if it's offered in school.
  • Driver Safety - Taking a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Distant Student - Children who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • No Charge for an Accident - Certain companies allow you one accident before raising your premiums if your claims history is clear for a certain period of time.
  • Early Switch Discount - Some companies give discounts for switching to them before your current expiration date. It's a savings of about 10%.
  • Passive Restraints - Cars that have air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Military Rewards - Having a deployed family member may qualify for rate reductions.
  • Federal Government Employee - Being employed by or retired from a federal job can earn a discount up to 10% with a few car insurance companies.
  • Multiple Policy Discount - When you combine your home and auto insurance with the same company you may save 10% to 20% off each policy.

Consumers should know that most of the big mark downs will not be given the the whole policy. Most only apply to specific coverage prices like liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, companies don't profit that way.

To see a list of insurance companies who offer car insurance discounts in Louisiana, follow this link.

More detailed Louisiana car insurance information can be found at the Louisiana Department of Insurance website. Consumers can view a list of available companies, discover disciplinary actions, read enforcement actions against agents and companies, and learn about insurance regulations.