Tightwads Instructions on Saving on Pearl River Auto Insurance

No one in their right mind likes paying for auto insurance, in particular when the cost is way too high.

Lots of contend for your business, and it can be difficult to compare rates and get the best coverage at the lowest rate

Automobile Insurance Quotes in Pearl River, LA

Most major insurance companies such as State Farm, Allstate and GEICO allow you to get insurance quotes online. Getting online rates doesn't take much effort as you simply type in your coverage preferences as detailed in the form. Behind the scenes, the company's rating system will obtain your driving and credit reports and quotes a price. Online price quotes makes it a lot easier to compare rates but having to visit different websites and complete many quote forms gets old quite quickly. But it's very important to compare as many rates as possible in order to find better auto insurance pricing.

There is a better way!

A less time-consuming method to get multiple rate quotes uses one simple form that gets prices from several different companies. The form is fast, eliminates repetitive work, and makes online price comparison a lot less work. Immediately after submitting the form, it is rated and you can select any of the returned quotes.

If a lower price is quoted, it's easy to complete the application and purchase coverage. The entire process takes 15 minutes at the most and could lower your rates considerably.

To save time and find out what other companies charge, click here to open in new window and fill out the form. If you currently have coverage, we recommend you input deductibles and limits exactly as shown on your declarations page. This way, you're receiving an apples-to-apples comparison based on similar coverages.

Understand what determines the rate you pay

It's important that you understand some of the elements that help determine the price you pay for auto insurance. Understanding what influences your rates helps enable you to make changes that will entitle you to lower auto insurance prices.

Equipment add-ons that lower auto insurance rates - Owning a car with an alarm system can save you a little every year. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your car from being stolen.
Multiple policies with one company can save - Many companies provide better rates to customers who consolidate policies with them. It's known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even with this discount, you still need to shop around to confirm you are receiving the best rates possible.
Men pay higher rates - Statistics show that men are more aggressive behind the wheel. However, this does not mean men are WORSE drivers than women. Women and men are in accidents in similar percentages, but the men have costlier accidents. Men also statistically get cited for more serious violations such as DWI and reckless driving. Young males are most likely to cause an accident and thus pay the highest rates.
High crash test scores lower rates - Cars with high safety ratings are cheaper to insure. The safest vehicles have better occupant injury protection and lower injury rates means less money paid by your insurance company and lower rates for you.

These discounts can lower your rates

Insuring your fleet can be pricey, but companies offer discounts to cut the cost considerably. A few discounts will automatically apply at the time you complete a quote, but a few need to be asked for prior to getting the savings.

Military Discounts - Having a deployed family member may qualify for rate reductions.
Anti-lock Brake Discount - Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
Save over 55 - Older drivers may be able to get a discount up to 10%.
Low Mileage Discounts - Fewer annual miles can earn lower rates on the low mileage vehicles.
No Claims - Good drivers with no accidents can save substantially when compared to frequent claim filers.

It's important to note that most credits do not apply to your bottom line cost. Most cut individual premiums such as liability and collision coverage. So when it seems like all the discounts add up to a free policy, you're out of luck. But any discount will cut the cost of coverage.

For a list of insurance companies who offer auto insurance discounts in Pearl River, follow this link.

Different people need different coverages

When it comes to choosing the right insurance coverage for your vehicles, there is no one size fits all plan. Everyone's situation is a little different and a cookie cutter policy won't apply. For instance, these questions might point out whether you might need professional guidance.

Am I covered when pulling a rental trailer?
Do I need PIP (personal injury protection) coverage in Louisiana?
Should I buy additional glass protection?
Is my dog or cat covered if injured in an accident?
Am I covered when delivering products for my home-based business?
Are there companies who specialize in insuring high-risk drivers?
Should I have combined single limit or split liability limits?

If you don't know the answers to these questions, you might consider talking to a licensed agent. If you don't have a local agent, complete this form or you can also visit this page to select a carrier

More information can be found on the website for the Louisiana Department of Insurance located here. Louisiana consumers can view a list of available companies, read consumer alerts, learn about insurance regulations, and find disaster information.

Do the work, save more money

When trying to cut insurance costs, you should never reduce needed coverages to save money. There have been many situations where an insured cut physical damage coverage only to regret at claim time that it was a big mistake. The proper strategy is to purchase plenty of coverage at a price you can afford while still protecting your assets.

Lower-priced auto insurance can be bought online in addition to many Pearl River insurance agents, so compare prices from both to have the best rate selection. A few companies do not provide online quoting and these regional insurance providers work with independent agents.