How to Find Cheaper Plaquemine Auto Insurance

If you are a novice to online auto insurance shopping, you may be overwhelmed by the vast number of auto insurance companies all offering big savings in Plaquemine.

It's important to get comparison quotes periodically because prices are constantly changing. Just because you had the lowest price a few years ago you will most likely find a better rate today. Forget all the misinformation about auto insurance because I'm going to let you in on the secrets to the proper way to eliminate unnecessary coverages and save money.

If you have insurance now or need a new policy, you can learn to shop for the lowest rates while maintaining coverages. The purpose of this article is to familiarize you with the best way to quote coverages and some money-saving tips. Louisiana vehicle owners just need to know the most efficient way to get comparison rates online.

Save big with these discounts

The cost of insuring your cars can be expensive, but companies offer discounts that you may not even be aware of. Certain discounts will be applied when you quote, but less common discounts must be manually applied before you get the savings. If they aren't giving you every credit you qualify for, you are throwing money away.

  • Save with a New Car - Adding a new car to your policy is cheaper compared to insuring an older model.
  • Early Signing - Some companies give discounts for buying a policy prior to your current policy expiring. This can save 10% or more.
  • Good Student - Performing well in school can save 20 to 25%. Earning this discount can benefit you until age 25.
  • Multi-car Discount - Insuring more than one vehicle on one policy can get a discount on all vehicles.
  • Homeowners Savings - Owning a house in Plaquemine can help you save on auto insurance because owning a home shows financial diligence.
  • Federal Employees - Active or retired federal employment can earn a discount up to 10% with select insurance companies.
  • Anti-lock Brake System - Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
  • Anti-theft System - Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Military Discounts - Being on active duty in the military could mean lower rates.

Consumers should know that most discount credits are not given to the entire policy premium. Most cut specific coverage prices like liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, companies don't profit that way. But all discounts will cut your overall premium however.

Plaquemine auto insurance comparison

But I don't know anything about car insurance

When it comes to buying the best auto insurance coverage for your vehicles, there is no perfect coverage plan. Every situation is different.

These are some specific questions may help highlight if your situation might need an agent's assistance.

  • Should I file a claim if it's only slightly more than my deductible?
  • Does my car insurance cover rental cars?
  • Why am I required to buy high-risk coverage?
  • Am I covered if I wreck a rental car?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I covered if I drive in a foreign country?

If you're not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don't have a local agent, take a second and complete this form. It's fast, doesn't cost anything and you can get the answers you need.

Auto insurance ads bend the truth

Consumers in Louisiana get pounded daily by advertisements for cheaper car insurance from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to make an identical promise that you'll save big if you switch your policy.

How do they all claim to save you money? It's all in the numbers.

Different companies have a certain "appetite" for the right customer that earns them a profit. For instance, a desirable insured might be between the ages of 30 and 50, a clean driving record, and has a short commute. A customer getting a price quote who meets those qualifications gets the lowest rates and most likely will cut their rates substantially.

Drivers who fall outside the "perfect" profile will have to pay a higher premium and ends up with the customer not buying. The ads say "customers who switch" not "people who quote" save that kind of money. That is how companies can make the claims of big savings.

Because of the profiling, you should get a wide range of price quotes. It's impossible to know which company will fit your personal profile best.

Much more information about auto insurance in Louisiana is located on the Louisiana Department of Insurance website found here. Visitors are able to read enforcement actions against agents and companies, learn about specific coverages, and file complaints about a company.

Louisiana auto insurance

Best coverage at the best price

As you shop your coverage around, never buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase plenty of coverage at the best price.

We covered some good ideas how you can reduce auto insurance prices online. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Consumers may even find the lowest rates come from some of the smallest insurance companies.

Discount auto insurance is available both online in addition to many Plaquemine insurance agents, and you should compare price quotes from both to have the best selection. Some insurance providers do not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.