Easy Techniques to Spend Less on River Ridge Auto Insurance

If you've never shopped for auto insurance online, it's easy to be confused by the sheer number of auto insurance companies all offering big savings in River Ridge.

It's important to do rate comparisons occasionally because prices are constantly changing. Even if you got the best deal last year you will most likely find a better rate today. Starting now, forget anything you know (or think you know) about auto insurance because you're going to get a crash course in the only way to remove unneeded coverages and save money.

Finding the best rates in River Ridge is quite easy. If you currently have a car insurance policy, you will be able to save some money using this strategy. Nevertheless, Louisiana drivers do need to know the way insurance companies price insurance differently and take advantage of how the system works.

Are you getting all your discounts?

Companies offering auto insurance don't always publicize all their discounts very well, so here is a list both well-publicized and the harder-to-find discounts you could be receiving.

Bundle and Save - If you have multiple policies with one insurance company you may earn at least 10% off all policies.
Anti-lock Brakes - Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
Good Student - Performing well in school can earn a discount of 20% or more. The discount lasts well after school through age 25.
Theft Prevention Discount - Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
Homeowners Savings - Owning a house in River Ridge can save you money due to the fact that maintaining a home requires personal responsibility.
Passive Restraints and Air Bags - Factory air bags or motorized seat belts can receive discounts of up to 25% or more.
Driver's Ed - Make teen driver coverage more affordable by requiring them to complete a driver education course if it's offered in school.
Driver Safety - Successfully completing a course in driver safety can save you 5% or more if you qualify.

Consumers should know that some credits don't apply to your bottom line cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, companies don't profit that way.

Tailor your coverage to you

When it comes to buying proper insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone's situation is unique.

For instance, these questions might point out whether you would benefit from professional advice.

What is the difference between comprehensive and collision coverage?
Can I get a multi-policy discount for packaging my home and auto coverage?
What are the best liability limits?
Why am I required to buy high-risk coverage?
Am I covered when driving on a suspended license?
Do I need special endorsements for business use of my vehicle?
When do I need to add a new car to my policy?

If you can't answer these questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, simply complete this short form.

How can GEICO, State Farm and Progressive save drivers who switch?

Auto insurance companies such as GEICO, State Farm and Progressive continually stream ads on television and other media. They all seem to have a common claim of big savings after switching to them. But how can every company make almost identical claims? This is how they do it.

Insurance companies have a certain "appetite" for the type of driver that earns them a profit. An example of a desirable insured could possibly be a mature driver, owns a home, and has great credit. A customer getting a price quote that hits that "sweet spot" is entitled to the best price and as a result will probably save a lot of money.

Consumers who are not a match for this ideal profile will have to pay higher rates and this can result in the driver buying from a lower-cost company. Company advertisements say "drivers who switch" not "everybody who quotes" save money. That is how insurance companies can confidently advertise the savings. Because of the profiling, you should get a wide range of price quotes. It's impossible to know which company will give you the biggest savings.

For more Louisiana car insurance information

More tips and info about auto insurance is available at the Louisiana Department of Insurance website. Louisiana consumers can view agent and company licensing information, find out industry alerts, and file complaints about a company.

Also read more on Wikipedia and this River Ridge agent directory.

The best insurance company isn't always the cheapest

As you prepare to switch companies, don't be tempted to buy lower coverage limits just to save a few bucks. In many instances, an insured cut comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. The ultimate goal is to buy enough coverage for the lowest price.

You just read a lot of ways to reduce auto insurance prices online. The most important thing to understand is the more rate quotes you have, the better likelihood of reducing your rate. You may even discover the best price on auto insurance is with a smaller regional carrier.

Cost effective auto insurance can be purchased online and with local River Ridge insurance agents, and you need to price shop both to get a complete price analysis. There are still a few companies who do not offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.