Top Ways to Save on Pierre Part Auto Insurance

Have you had enough of being strong-armed each month for car insurance? You are in the same boat as most other car owners in Louisiana.

Big companies like GEICO and Progressive all promote huge savings with ad campaigns and it is difficult to sift through the bull and do the work needed to find the best deal.

It's important to take a look at other company's rates once or twice a year since insurance rates are constantly changing. Just because you had the best deal last year a different company probably has better rates today. So just forget all the misinformation about auto insurance because it's time to teach you the proper way to reduce your cost while increasing coverage.

If you currently have a car insurance policy, you will most likely be able to save some money using this information. Finding affordable coverage in Pierre Part is not that difficult. Although Louisiana vehicle owners do need to know how the larger insurance companies sell insurance online and take advantage of how the system works.

Policy discounts you shouldn't miss

The cost of insuring your cars can be expensive, but you can get discounts that you may not even be aware of. Certain discounts will be triggered automatically at the time of purchase, but some must be asked for prior to receiving the credit.

Senior Discount - If you qualify as a senior citizen, you may qualify for better auto insurance rates.
Service Members Pay Less - Being on active duty in the military could mean lower rates.
Passive Restraint Discount - Factory air bags can qualify for discounts of 20% or more.
Seat Belts Save - Drivers who require all occupants to buckle their seat belts could save 15% off your PIP or medical payments premium.
Employee of Federal Government - Active or retired federal employment could cut as much as 10% off with select insurance companies.
College Student - Kids in college who live away from home and do not have a car can receive lower rates.
Sign Online - A few companies give back up to $50 for buying your policy digitally online.

A little note about advertised discounts, most discount credits are not given to the entire cost. Most only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, you won't be that lucky. Any amount of discount will reduce the amount you have to pay.

Pierre Part Rates are Influenced by These Factors

Smart consumers have a good feel for the different types of things that go into determining auto insurance rates. Having a good understanding of what impacts premium levels enables informed choices that may reward you with much lower annual insurance costs.

Are you male or female? - The statistics show women are more cautious behind the wheel. That doesn't necessarily mean that men are worse drivers. Both sexes have accidents at about the same rate, but the males cause more damage. They also receive more costly citations like reckless driving and DUI. Youthful male drivers are most likely to cause an accident and therefore are the most expensive to insure.
Higher safety ratings means cheaper insurance - Vehicles with high crash test scores can get you lower premiums. These vehicles reduce injuries and better occupant protection translates into fewer and smaller insurance claims and more competitive rates for policyholders.
Credit scores impact auto insurance rates - Credit score is a important factor in your rate calculation. If your credit is lower than you'd like, you could potentially save money when insuring your by improving your credit score. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers who have poor credit.
Never allow your policy to lapse - Letting your insurance expire is a guaranteed way to increase your auto insurance rates. Not only will rates go up, getting caught without coverage may earn you a revoked license or a big fine.
Your occupation can affect rates - Did you know your auto insurance rates can be affected by your occupation? Jobs such as doctors, business owners and dentists tend to have the highest average rates because of high stress levels and long work days. Other occupations like farmers, historians and homemakers receive lower rates.
Older drivers pay less - Mature drivers are viewed as being more responsible, statistically cause fewer accidents and are safer drivers. Teenage drivers are statistically proven to be more careless in a vehicle and because of this, their auto insurance rates are much higher.
Pay less if you're married - Being married can actually save you money on your policy. It means you're more responsible and it's proven that drivers who are married are more cautious.

Save $429 a year? Really?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm constantly bombard you with television and radio advertisements. They all seem to make an identical promise about savings if you switch to their company. How can each company say the same thing?

Insurance companies can use profiling for the driver that earns them a profit. An example of a desirable insured might be profiled as between the ages of 40 and 55, has no tickets, and has great credit. A propective insured who meets those qualifications is entitled to the best price and is almost guaranteed to save when they switch companies.

Potential customers who don't qualify for the requirements will have to pay higher prices and ends up with business not being written. The ads state "customers that switch" but not "drivers who get quotes" save that much. That's why companies can truthfully advertise the savings.

Because of the profiling, drivers should quote coverage with many companies. It's not possible to predict the company that will give you the biggest savings.

More Louisiana auto insurance information

Additional information is available on the website for the Louisiana Department of Insurance located here. Louisiana drivers can learn about insurance regulations, find disaster information, find out industry alerts, and find a variety of consumer forms.

Final considerations

As you prepare to switch companies, it's a bad idea to skimp on coverage in order to save money. There are many occasions where an insured dropped liability limits or collision coverage only to find out that the small savings ended up costing them much more. Your aim should be to buy a smart amount of coverage at a price you can afford.

Throughout this article, we presented some good ideas how you can reduce auto insurance prices online. The key thing to remember is the more times you quote, the better chance you'll have of finding lower rates. Drivers may discover the lowest priced auto insurance comes from the least-expected company. Regional companies may cover specific market segments cheaper compared to the large companies like .