Car Insurance in Tallulah - 5 Discounts You Might be Forgetting
Are you intimidated by the crazy number of car insurance company choices in Tallulah? You're not the only one! You have so many options available that it can turn into a lot of work to locate the lowest price.
It's important to check car insurance prices every six months since rates are constantly changing. Even if you got the best price a couple years back the chances are good that you can find a lower rate today. Ignore everything you know about car insurance because we're going to demonstrate the only way to get good coverage at a lower rate.
These 5 discounts can lower your rates
The price of auto insurance can be rather high, but there are discounts available that many people don't even know exist. Some trigger automatically when you quote, but a few need to be asked about before you get the savings.
- Life Insurance Discount - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
- Multi-car Discount - Buying coverage for more than one vehicle on the same car insurance policy may reduce the rate for each vehicle.
- Anti-lock Brakes - Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
- College Student - Youth drivers who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.
- Discount for Good Grades - A discount for being a good student can get you a discount of up to 25%. This discount can apply until age 25.
As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. Some only apply to individual premiums such as collision or personal injury protection. Even though it may seem like it's possible to get free car insurance, car insurance companies aren't that generous. Any amount of discount will bring down the cost of coverage.
To see a list of companies offering car insurance discounts in Louisiana, click here.
Compare Quotes for Tallulah Car Insurance
Most companies like GEICO, State Farm and Progressive provide prices for coverage online. Getting quotes is fairly straightforward as you just type in the coverages you want as detailed in the form. Once you submit the form, their rating system will obtain credit information and your driving record and returns pricing information based on many factors.
Being able to quote online makes comparing rates easy, but the time it takes to visit many different websites and type in the same information is not the best way to spend an afternoon. But it's very important to get many rate quotes if you want to find better car insurance pricing.
The preferred way to lower your rates is to use a quote form that obtains quotes from a lot of companies. The form is fast, eliminates form submissions, and makes online shopping much more efficient. Immediately after you send the form, it gets priced and you can choose any one of the price quotes you receive.
If a lower price is quoted, you simply finish the application and buy the new coverage. The whole process takes 15 minutes at the most and you'll know if lower rates are available.
To 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 enter your coverages identical to your current policy. This makes sure you will be getting a fair comparison based on the exact same insurance coverage.
Are you falling for claims of savings?
Car insurance companies such as GEICO, State Farm and Progressive constantly bombard you with ads on television and other media. They all seem to have a common claim about savings if you switch to them. How does each company make the same claim?
All companies are able to cherry pick for the type of driver that is profitable for them. For example, a desirable insured could be between 25 and 40, has no driving citations, and drives less than 10,000 miles a year. Any new insured that hits that "sweet spot" will qualify for the lowest rates and as a result will probably save when switching.
Drivers who are not a match for these standards will have to pay a higher premium and this can result in business going elsewhere. The ad wording is "customers that switch" not "everybody who quotes" save money. That's the way companies can truthfully advertise the way they do.
Because of the profiling, drivers must quote coverage with many companies. It's just too difficult to predict which car insurance company will provide you with the cheapest rates.
The best insurance company isn't always the cheapest
As you go through the steps to switch your coverage, it's very important that you do not reduce coverage to reduce premium. In many instances, someone sacrificed physical damage coverage only to regret at claim time that the savings was not a smart move. The ultimate goal is to get the best coverage possible at a price you can afford.
Cheap car insurance can be found from both online companies and with local Tallulah insurance agents, so you should compare both to have the best selection. Some car insurance companies do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.
You just learned a lot of techniques to compare car insurance prices online. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. Drivers may discover the most savings is with a small local company.
Additional information can be found on the Louisiana Department of Insurance website located here. Consumers can file complaints about an insurance agent or broker, report car insurance fraud, and read consumer alerts.
