Free Guide to Cutting Costs on Plain Dealing Auto Insurance Online

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Believe me when I say you are not the only one feeling buyer's remorse. With consumers having so many options when it comes to auto insurance, it's nearly impossible to choose the most cost effective insurer.

Finding the lowest cost auto insurance in Plain Dealing is not that difficult. If you have a policy now or are looking for a new policy, you can use these techniques to get lower rates while maintaining coverages. Louisiana drivers only need an understanding of the best way to buy auto insurance on the web.

Comprehensive Plain Dealing Auto Insurance Comparison

Most major insurance companies quote prices for coverage on the web. This process is fairly straightforward as you just enter the coverages you want as detailed in the form. Behind the scenes, the system will obtain credit information and your driving record and gives you a price quote. This makes comparing rates easy, but the process of having to visit different websites and complete many quote forms can get tiresome after awhile. But it's very important to compare as many rates as possible if you are searching for the best price on auto insurance.

There is an easier way!

A less time-consuming method to lower your rates uses one form that gets prices from a lot of companies. The form is fast, eliminates form submissions, and makes price shopping online much easier to do. As soon as the form is sent, it is quoted with multiple companies and you can pick any or none of the returned quotes.

If a lower price is quoted, you can click and sign and buy the new coverage. It takes less than 15 minutes and may result in a nice savings.

To find out if lower rates are available, click here to open in new window and enter your information. To compare your current rates, we recommend you complete the form with the limits and deductibles identical to your current policy. This way, you will get an apples-to-apples comparison based on similar coverages.

What determines how much you pay?

It's important that you understand the rating factors that play a part in calculating the rates you pay for auto insurance. When you know what positively or negatively determines base rates allows you to make educated decisions that could result in big savings.

Drive a safer car and pay less - Vehicles with good safety scores tend to have better insurance rates. Safe vehicles result in less severe injuries and any reduction in injury severity means lower claim amounts passed on to you as lower rates.
Protect your assets with liability insurance - Your policy's liability coverage provides coverage if you are found liable for damages from an accident. Liability provides for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so drivers should carry high limits.
Do you know your deductibles? - Physical damage deductibles represent how much money you are willing to pay out-of-pocket in the event of a claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Examples of covered claims would be colliding with a building, damage from fire, or theft. The higher the amount you're willing to pay, the less your auto insurance will be.
Cautious drivers pay less - Whether or not you get tickets has a big impact on rates. Good drivers have lower premiums than their less careful counterparts. Only having one citation can increase rates forty percent or more. Drivers with dangerous tickets like DWI, reckless driving or hit and run convictions are required to submit a SR-22 form to the state department of motor vehicles in order to prevent a license revocation.
Males pay more for insurance - Statistics demonstrate women tend to be less risk to insure than men. Now that doesn't mean women are better drivers. They both are in accidents in similar percentages, but the male of the species tend to have more serious accidents. Men also tend to have more aggressive citations like DUI and reckless driving.
What type of vehicle do you drive? - The performance level of the car you are insuring makes a huge difference in how high your rates are. The lowest rates are for low performance passenger models, but the cost you end up paying is determined by many additional factors.

Are you getting all your discounts?

Insurance can be prohibitively expensive, but there are discounts available that you may not know about. Certain discounts will be triggered automatically when you quote, but lesser-known reductions have to be specially asked for before you get the savings. If you don't get every credit possible, you're just leaving money on the table.

Fewer Miles Equal More Savings - Low mileage vehicles can earn better rates on cars that stay parked.
Club Memberships - Being a member of a professional or civic organization could trigger savings when buying auto insurance.
Homeowners Discount - Owning a home in Plain Dealing may earn you a small savings because maintaining a house is proof that your finances are in order.
Discount for Good Grades - Getting good grades can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
No Charge for an Accident - Some insurance companies will forgive one accident without raising rates so long as you haven't had any claims for a particular time prior to the accident.
Discount for Swiching Early - Some insurance companies reward drivers for buying a policy before your current policy expires. The savings is around 10%.
Passive Restraint Discount - Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
Federal Government Employee - Simply working for the federal government may qualify you for a discount depending on your company.

Consumers should know that many deductions do not apply to all coverage premiums. Most only reduce individual premiums such as liability and collision coverage. So when it seems like all those discounts means the company will pay you, companies don't profit that way. Any qualifying discounts will help reduce the cost of coverage.

For a list of insurers with discount auto insurance rates in Louisiana, click this link.

Additional auto insurance information can be found on the website for the Louisiana Department of Insurance located here. Visitors are able to find disaster information, find out which companies have the most complaints, report car insurance fraud, and file complaints about a company.

Other useful links include this resource for Louisiana auto insurance prices and this page of Plain Dealing insurance agents.

In the end, you save

Cost effective auto insurance can be sourced both online and with local Plain Dealing insurance agents, so you should be comparing quotes from both to have the best selection. Some insurance companies do not offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

We covered many ideas to lower your auto insurance rates. It's most important to understand that the more companies you get rates for, the higher your chance of finding lower rates. You may even find the lowest priced auto insurance comes from some of the lesser-known companies. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as .