Top 8 Ways to Save Money on Car Insurance in Slidell

Paying for high-priced car insurance can drain your checking account and force you to make sacrifices. Comparison shopping is a smart way to reduce premiums and put more money in your pocket.

Insurance companies such as GEICO and Progressive continually hit you with ads and it is challenging if not impossible to sift through the bull and take the time to shop coverage around.

It's important to take a look at other company's rates on a regular basis since rates are constantly changing. Even if you think you had the lowest price a few years ago you can probably find a better price now. You'll find quite a bit of inaccurate information about car insurance online but we're going to give you some great ways to quit paying high car insurance rates.

Be sure to get all your discounts

Car insurance is not cheap, but you can get discounts to help bring down the price. A few discounts will automatically apply at the time of purchase, but a few must be manually applied prior to receiving the credit.

Theft Prevention System - Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.
E-sign - A handful of insurance companies may give you up to $50 for buying your policy digitally online.
Service Members Pay Less - Having a deployed family member could be rewarded with lower premiums.
Government Employees - Employees or retirees of the government may qualify you for a discount with certain companies.
Discount for Life Insurance - Companies who offer life insurance give better rates if you take out auto and life insurance together.
Senior Citizens - If you're over the age of 55, you may receive better car insurance rates.
Drivers Ed for Students - Cut your cost by having your teen driver take driver's ed class if offered at their school.
Low Mileage - Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. A few only apply to the price of certain insurance coverages like comprehensive or collision. Just because it seems like having all the discounts means you get insurance for free, you won't be that lucky. Any amount of discount will reduce the amount you have to pay.

To choose providers with discount car insurance rates in Slidell, follow this link.

Is there truth in advertising?

Companies like Allstate and Progressive consistently run television and radio advertisements. All the ads say the same thing about savings if you change to their company. How can each company claim to save you money? This is how they do it.

All the different companies have a preferred profile for the driver that makes them money. For instance, a preferred risk might be between 30 and 50, insures multiple vehicles, and has a short commute. Any new insured who fits that profile receives the best rates and is almost guaranteed to save when they switch companies.

Potential customers who don't measure up to the requirements will be charged higher prices which usually ends up with the customer not buying. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much. This is how companies can truthfully make the claims of big savings.

That is why you should get a wide range of price quotes. It's just too difficult to predict which insurance companies will fit your personal profile best.

For more Louisiana car insurance information

Additional information is located on the website for the Louisiana Department of Insurance. Click here for link. Visitors are able to read consumer alerts, get help finding coverage, find disaster information, and download brochures.

Affordable insurance is out there

As you shop your coverage around, it's a bad idea to buy poor coverage just to save money. Too many times, drivers have reduced collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The aim is to buy enough coverage for the lowest price, not the least amount of coverage.

Cheaper car insurance is attainable both online and also from your neighborhood Slidell agents, so compare prices from both so you have a total pricing picture. Some insurance providers may not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.