Quote Shreveport Car Insurance Prices With These Methods

Comparison shopping for Shreveport car insurance is hard for consumers new to comparison shopping online. Drivers have so many options available that it can be more work than you anticipated to compare prices in Shreveport.

Policy discounts you shouldn't miss

Insurance can cost an arm and a leg, but you can get discounts to reduce the price significantly. Certain discounts will be applied at the time of quoting, but lesser-known reductions have to be asked for before you will receive the discount. If you aren't receiving every discount available, you are throwing money away.

  • Clubs and Organizations - Being a member of a civic or occupational organization could trigger savings when buying car insurance.
  • Employee of Federal Government - Active or retired federal employment could cut as much as 10% off depending on your company.
  • Save with a New Car - Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
  • Payment Method - If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Student in College - Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Good Students Pay Less - Performing well in school can earn a discount of 20% or more. This discount can apply well after school through age 25.

As a disclaimer on discounts, many deductions do not apply to the entire cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, car insurance companies aren't that generous. Any amount of discount will reduce the amount you have to pay.

Save $429 a year? Really?

Consumers in Louisiana get pounded daily by advertisements for the lowest price auto insurance by Allstate, GEICO and Progressive. All the companies make the same claim about savings after switching to their company.

How can each company claim to save you money?

Insurance companies can use profiling for the driver that earns them a profit. For example, a profitable customer might be between the ages of 30 and 50, is a homeowner, and drives newer vehicles. Any driver who matches those parameters gets the lowest rates and is almost guaranteed to save when they switch companies.

Potential insureds who don't qualify for the requirements must pay more money which leads to the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much. That's why companies can truthfully claim big savings.

This illustrates why you should get as many quotes as possible. You cannot predict the company that will give you the biggest savings.

Learn more today

Additional information can be found on the Louisiana Department of Insurance website located here. Visitors are able to find out which companies have the most complaints, download brochures, and file complaints about an insurance agent or broker.

In the end, you save

Cheap car insurance can be purchased both online and also from your neighborhood Shreveport agents, and you should compare price quotes from both to have the best chance of lowering rates. A few companies may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

Insureds change insurance companies for a number of reasons such as questionable increases in premium, high rates after DUI convictions, delays in paying claims and even unfair underwriting practices. No matter why you want to switch, choosing a new insurance company is less work than it seems.

When trying to cut insurance costs, it's not a good idea to buy lower coverage limits just to save a few bucks. In too many instances, an accident victim reduced uninsured motorist or liability limits only to regret that it was a big mistake. Your focus should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.