How to Get Cheap Roanoke Auto Insurance

Buying affordable Roanoke auto insurance over the internet may be difficult for consumers new to comparison shopping online. With so many insurers available, how can consumers have a chance to compare the different rates to find the cheapest rates?

It's important to shop coverage around quite often since insurance rates are constantly changing. Even if you got the best price two years ago there may be better deals available now. Forget anything you know (or think you know) about auto insurance because we're going to demonstrate the only way to get good coverage at a lower rate.

Finding the best rates in Roanoke is easy if you know what you're doing. Just about anyone who is required by state law to have auto insurance should be able to save money. But Louisiana vehicle owners do need to know how insurance companies price online insurance and apply this information to your search.

Roanoke auto insurance comparison

These discounts can lower your rates

Companies don't list all their discounts very clearly, so we took the time to find some of the best known as well as the least known savings tricks you should be using.

  • College Student - Kids in college who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.
  • Anti-lock Brake System - Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • Drivers Education - Require your teen driver to complete a driver education course in school.
  • Drive Less and Save - Driving fewer miles can earn discounted rates on garaged vehicles.
  • Lower Rates for Military - Being on active duty in the military could mean lower rates.
  • Theft Prevention Discount - Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Payment Discounts - If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.
  • Own a Home - Owning a house in Roanoke can help you save on auto insurance because owning a home is proof that your finances are in order.
  • Passive Restraint Discount - Factory air bags or automatic seat belts may earn rate discounts of more than 20%.

Consumers should know that most discount credits are not given to the overall cost of the policy. The majority will only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, companies don't profit that way.

For a list of companies offering auto insurance discounts in Louisiana, click here to view.

Free Quotes for Auto Insurance in Roanoke, Louisiana

Most major insurance companies like Progressive, GEICO, Allstate and State Farm give coverage price quotes on their websites. Getting online quotes is fairly simple as you just type in your coverage information as detailed in the form. Once entered, their system will obtain reports for credit and driving violations and provides a quote based on these and other factors.

Being able to quote online streamlines rate comparisons, but the work required to visit many different websites and complete many quote forms can be a bit tiresome and repetitive. But it's very important to have as many quotes as possible in order to get better auto insurance pricing.

The easy way to compare rates

A more efficient way to locate the lowest prices requires only one form that gets price quotes from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes comparison shopping much easier. As soon as the form is sent, your coverage is rated and you can choose any one of the quotes that you receive. If a lower price is quoted, you can simply submit the application and buy the policy. This process takes 15 minutes at the most and may result in a nice savings.

To quickly find out what other companies charge, click here to open in new window and enter your vehicle and coverage information. If you currently have coverage, we recommend you input the insurance coverages identical to your current policy. This helps ensure you are getting a fair comparison based on identical coverages.

Different people need different coverages

When it comes to choosing the right insurance coverage for your personal vehicles, there isn't really a one size fits all plan. Everyone's needs are different.

For instance, these questions may help you determine whether you may require specific advice.

  • Why does it cost so much to insure a teen driver in Roanoke?
  • What are Louisiana no-fault laws?
  • Do I need PIP (personal injury protection) coverage in Louisiana?
  • Should I buy additional glass protection?
  • Is rental equipment covered for theft or damage?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered when pulling a rental trailer?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you're not sure about those questions, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form.

Affordable insurance is out there

When buying insurance coverage, it's very important that you do not sacrifice coverage to reduce premiums. There are many occasions where drivers have reduced physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find at a price you can afford.

People switch companies for a number of reasons such as not issuing a premium refund, policy cancellation, extreme rates for teen drivers and delays in responding to claim requests. Regardless of your reason for switching companies, choosing a new insurance company is not as hard as you think.

Discount auto insurance can be found on the web as well as from independent agents in Roanoke, and you should be comparing both to have the best chance of lowering rates. Some insurance companies don't offer online quoting and most of the time these regional insurance providers sell through independent agents.