Top Ways to Save on Slaughter Auto Insurance

Tired of being strong-armed each month for car insurance? You are in the same boat as many other Louisiana drivers.

Popular companies such as State Farm, Allstate, GEICO and Progressive all claim big savings with catchy ads and it is challenging if not impossible to sift through the bull and find the best price available.

It's important to compare prices before your policy renews since insurance rates are constantly changing. Despite the fact that you may have had the lowest price six months ago you can probably find a better price now. Ignore everything you know about auto insurance because you're about to find out one of the best ways to find better coverage at a better price.

If you currently have car insurance, you will be able to cut costs considerably using this information. Finding affordable coverage in Slaughter is quite easy. Nevertheless, Louisiana vehicle owners do need to know the way insurance companies compete online because it can help you find the best coverage.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the factors that help determine auto insurance rates. Having a good understanding of what determines base rates enables informed choices that may reward you with better auto insurance rates.

Men pay higher rates - The statistics show women are more cautious behind the wheel. However, this does not mean men are worse drivers. Men and women have accidents in similar numbers, but the males have costlier accidents. They also get more serious tickets like reckless driving and DUI. Male drivers age 16 to 19 are several times more likely to be in an accident and are penalized with high auto insurance rates.
Your auto insurance rates can be influenced by your job - Did you know your auto insurance rates can be affected by your occupation? Jobs such as judges, social workers and dentists tend to have the highest average rates attributed to job stress and long work hours. Other occupations like farmers, historians and performers receive lower rates.
Small claims can cost you - Car insurance companies in Louisiana generally give cheaper rates to policyholders who are claim-free. If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Car insurance is intended to be relied upon for major claims that would cause financial hardship.
Being married is a good thing - Having a wife or husband can get you a discount on auto insurance. It means you're more mature and responsible and it's statistically proven that drivers who are married are more cautious.
Protect your assets with liability insurance - Liability coverage will protect you if ever a jury decides you are liable for causing damage or personal injury in an accident. It provides legal defense up to the limits shown on your policy. This coverage is very inexpensive when compared with rates for comp and collision, so do not skimp.
Drive a safer car and pay less - Safer cars get lower rates. These vehicles reduce injuries and better occupant protection translates into fewer and smaller insurance claims and more competitive rates for policyholders.
Extra coverages can waste money - There are a ton of extra bells and whistles that you can buy if you aren't careful. Insurance for vanishing deductibles, towing coverage and term life insurance are some examples. They may seem good at first, but if they're wasting money eliminate the coverages to reduce your premium.
Poor credit can mean higher rates - Credit history is a large factor in your rate calculation. If your credit is not that good, you could save money insuring your by improving your credit score. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers with lower credit scores.

How much can you save with discounts?

Companies offering auto insurance don't list all their discounts in a way that's easy to find, so we researched some of the best known and the more hidden discounts you could be receiving.

Senior Discount - If you're over the age of 55, you may be able to get better auto insurance rates.
Employee of Federal Government - Employees or retirees of the government can earn a discount up to 10% with select insurance companies.
Drivers Ed for Students - Cut your cost by having your teen driver complete a driver education course if it's offered in school.
Sign Online - Some insurance companies give back up to $50 simply for signing digitally online.
Multiple Vehicles - Buying insurance for multiple vehicles with the same company could earn a price break for each car.
Drive Less and Save - Fewer annual miles could be rewarded with a substantially lower rate.
Driver Safety - Taking a course teaching defensive driving skills could save 5% or more if your company offers it.
Anti-lock Brakes - Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.

Consumers should know that some of the credits will not apply to the entire cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like you could get a free auto insurance policy, companies don't profit that way.

To choose companies who offer auto insurance discounts in Slaughter, click here.

Save 15 percent in 15 minutes? Is it for real?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream television and radio advertisements. They all seem to have a common claim of big savings after switching to their company. How can each company say the same thing?

Different companies can use profiling for the driver that makes them money. For instance, a desirable insured might be profiled as a mature driver, is a homeowner, and has a high credit rating. A propective insured that hits that "sweet spot" will get the preferred rates and is almost guaranteed to save when they switch companies.

Drivers who don't meet the requirements will have to pay a higher premium and this can result in business not being written. The ads state "people who switch" but not "drivers who get quotes" save that much. That's why insurance companies can confidently state the savings. Because of the profiling, you should get as many quotes as possible. It's not possible to predict the company that will have the lowest rates.

More tips and info about auto insurance is located at the Louisiana Department of Insurance website. Louisiana drivers can learn about insurance regulations, read industry bulletins, download brochures, and get help finding coverage.

The best insurance company isn't always the cheapest

As you restructure your insurance plan, it's not a good idea to buy poor coverage just to save money. There are many occasions where an accident victim reduced liability coverage limits only to discover later that they should have had better coverage. Your aim should be to get the best coverage possible at an affordable rate.

Cost effective auto insurance can be bought on the web and also from your neighborhood Slaughter agents, and you need to price shop both to have the best selection. Some insurance companies may not provide online price quotes and most of the time these small, regional companies sell through independent agents.