Find the Cheapest Rayne Auto Insurance

Shopping online for Rayne auto insurance may seem to be difficult if you have never used online quotes. Don't let that stop you because there is an easy way to compare rates.

Understand what determines the rate you pay

Consumers need to have an understanding of some of the elements that go into determining auto insurance rates. Having a good understanding of what influences your rates helps enable you to make changes that could result in lower auto insurance prices.

Listed below are a few of the "ingredients" that factor into premiums.

Policy add-ons can waste money - There are many additional coverages that you can get tricked into buying if you aren't careful. Insurance for roadside assistance, accidental death and membership fees are examples of these. These coverages may sound good initially, but your needs may have changed so eliminate the coverages to reduce your premium.
Traffic citations inflate rates - Only having one moving violation may increase your cost by as much as thirty percent. Drivers with clean records get better rates than bad drivers. Drivers with serious tickets like hit and run, DWI or reckless driving convictions are required to file a SR-22 with the DMV in their state in order to continue driving.
Multi-policy discounts can save money - Most companies will award you with lower prices to people who carry more than one policy such as combining an auto and homeowners policy. This can amount to anywhere from five to ten percent in most cases. Even with this discount, it's still a good idea to comparison shop to confirm you are receiving the best rates possible.
Too many auto insurance claims drive up costs - Auto insurance companies in Louisiana provide cheaper rates to drivers who do not rely on their insurance for small claims. If you tend to file frequent claims, you can expect either higher rates or even cancellation. Auto insurance is intended to be relied upon for larger claims.

Vehicle Insurance Comparison

Reducing your insurance rates is not a difficult process. You just have to invest a little time getting comparison quotes online with multiple companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

The fastest way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This method eliminates the need for multiple quote forms for every auto insurance company. Just one form compares rates from multiple low-cost companies. It's the fastest way to compare.
A less efficient way to get quotes online is going to the website for every company you want to comare and fill out their own quote form. For sake of this example, let's say you want to compare , and . To get rate quotes you would need to spend time on each company's site and enter your information, which is why the first method is quicker.

To view a list of companies in Rayne, click here.
The least efficient method to compare rates is to waste gas driving to and from local insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you want the professional advice of a local agent. You can, however, find lower rates online and still use a local agent and we'll touch on that later.

It doesn't matter which method you choose, just be sure to compare exactly the same coverage limits and deductibles for every quote you compare. If you enter different liability limits you can't possibly determine the best price in Rayne.

Save big with these discounts

Car insurance companies don't list all available discounts in a way that's easy to find, so we break down some of the best known and also the lesser-known auto insurance savings. If you aren't receiving every discount you qualify for, you are paying more than you should be.

Defensive Driver - Completing a course teaching defensive driving skills can save you 5% or more if your company offers it.
Early Signing - Some companies give discounts for signing up prior to your current policy expiration. This can save 10% or more.
Anti-theft Discount - Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
Drivers Ed for Students - Cut your cost by having your teen driver enroll in driver's education in school.
Federal Employees - Employees or retirees of the government can save as much as 8% depending on your company.

Keep in mind that most credits do not apply to the entire policy premium. Most only cut specific coverage prices like liability and collision coverage. So when it seems like you can get free auto insurance, it just doesn't work that way.

To choose insurers offering auto insurance discounts in Rayne, follow this link.

Auto insurance ads bend the truth

Louisiana drivers can't ignore all the ads for cheaper car insurance from companies such as 21st Century, Allstate and State Farm. All the companies say the same thing that you can save if you switch your policy.

How can each company say the same thing? It's all in the numbers.

All companies have a certain "appetite" for the right customer that makes them money. For example, a profitable customer might be profiled as between the ages of 30 and 50, a clean driving record, and chooses high deductibles. A propective insured who fits that profile will qualify for the lowest rates and most likely will save when they switch companies.

Potential customers who fall outside the requirements must pay higher prices which usually ends up with business not being written. The ad wording is "customers who switch" not "people who quote" save that kind of money. That is how insurance companies can state the savings. This illustrates why you need to compare as many rates as you can. It's not possible to predict which company will give you the biggest savings.

But I don't know anything about car insurance

When buying adequate coverage for your vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else's.

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

Should I have combined single limit or split liability limits?
Does my car insurance cover rental cars?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Is my cargo covered for damage or theft?
Am I covered if I drive in a foreign country?
Do I need special endorsements for business use of my vehicle?

If you don't know the answers to these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It is quick, free and you can get the answers you need.

Additional detailed information can be found at the Louisiana Department of Insurance website. Louisiana drivers can discover disciplinary actions, file complaints about a company, and read consumer alerts.

In the end, you save

Affordable auto insurance can be found on the web in addition to many Rayne insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies do not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

In this article, we covered a lot of tips how to compare auto insurance prices online. The key thing to remember is the more companies you get rates for, the higher your chance of finding lower rates. Drivers may discover the lowest rates come from a small mutual company.

When buying insurance coverage, it's not a good idea to reduce coverage to reduce premium. There are a lot of situations where someone dropped uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase a proper amount of coverage at the best price while not skimping on critical coverages.