Free Guide to Saving Money on Vivian Car Insurance Online

Sick and tired of scraping the payment together each month for car insurance? Your situation is no different than the majority of other car owners in Louisiana. You have so many to pick from, and even though it's nice to be able to choose, lots of choices makes it harder to compare rates.

It's important to price shop coverage before your policy renews because rates are constantly changing. Even if you got the best price a couple years back you can probably find a better price now. Ignore everything you know about car insurance because we're going to demonstrate the only way to get good coverage at a lower rate.

Buying car insurance in Vivian is quite easy. If you have car insurance now, you will be able to lower your premiums substantially using these methods. Louisiana drivers only need an understanding of the proper way to get comparison quotes online.

Learn How to Buy Car Insurance Cheaper

Consumers need to have an understanding of the factors that go into determining your car insurance rates. Knowing what determines base rates helps enable you to make changes that may reward you with lower car insurance prices.

Listed below are a few of the "ingredients" that factor into rates.

Bump up deductibles to save - Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some examples of claims that would be covered are a windshield shattered by a rock, damage caused by hail, and windstorm damage. The deductibles are how much you are willing to pay if you file a covered claim. The higher the amount the insured has to pay upfront, the less your company will charge you for insurance.
Too many car insurance claims drive up costs - If you tend to file frequent claims, you can definitely plan on either a policy non-renewal or much higher rates. Car insurance companies in Louisiana generally give lower rates to policyholders who do not rely on their insurance for small claims. Auto insurance is meant to be used in the event of major claims that would cause financial hardship.
Better credit scores mean better rates - Credit score is a important factor in your rate calculation. So if your credit rating is lower than you'd like, you could save money insuring your by spending a little time repairing your credit. Consumers who have high credit scores tend to be less risk to insure than drivers with poor credit.
More people means more accidents - Being located in a rural area can be a good thing when it comes to car insurance. Urban drivers regularly have much more traffic and longer commute times. Less people living in that area means reduced accidents.
Save money with special equipment - Driving a car with an alarm system can get you a discount on your car insurance. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft.
Your job and insurance rates - Did you know your job can affect your rates? Jobs such as lawyers, social workers and financial analysts are shown to have higher average rates because of job stress and lengthy work days. Conversely, professions such as farmers, engineers and homemakers pay the least.
Policy add-ons can waste money - There are many extra bells and whistles that you can buy on your policy. Coverages for roadside assistance, towing coverage and membership fees are some examples. They may seem good when you first buy your policy, but your needs may have changed so eliminate them to save money.
Being married is a good thing - Having a spouse can actually save you money on car insurance. It usually means you are more mature and responsible and it's proven that drivers who are married are more cautious.

Take advantage of discounts

Car insurance companies do not list all their discounts very clearly, so we took the time to find some of the more common as well as the least known discounts you could be receiving. If you're not getting every credit available, you are paying more than you should be.

Homeowners Pay Less - Owning a house in Vivian can save you money because owning a home is proof that your finances are in order.
Employee of Federal Government - Employees or retirees of the government can save as much as 8% with select insurance companies.
Anti-lock Brakes - Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
Bundle and Save - If you insure your home and vehicles with the same company you will save up to 20% off your total premium.
Passive Restraint Discount - Factory air bags may earn rate discounts of up to 25% or more.
Payment Discounts - By paying your policy upfront instead of making monthly payments you could save 5% or more.
New Car Discount - Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.

It's important to understand that some of the credits will not apply to the entire cost. Some only reduce individual premiums such as liability, collision or medical payments. So when it seems like you can get free auto insurance, it doesn't quite work that way.

To choose companies offering car insurance discounts in Louisiana, click here.

Are car insurance companies telling the truth?

Consumers can't ignore all the ads for the lowest price auto insurance from companies such as State Farm, GEICO and Progressive. They all seem to have a common claim of big savings if you switch your policy.

How does each company make the same claim?

All companies can use profiling for the right customer that makes them money. For example, a desirable insured could be between 25 and 40, is a homeowner, and drives less than 10,000 miles a year. A customer that hits that "sweet spot" will get very good rates and most likely will save when switching.

Potential insureds who don't qualify for these standards will have to pay more money and this can result in business going elsewhere. The ads say "customers that switch" not "people who quote" save that kind of money. That's why insurance companies can confidently advertise the way they do. Because of the profiling, you should compare as many rates as you can. Because you never know the company that will provide you with the cheapest rates.

More tips and info about car insurance can be found at the Louisiana Department of Insurance website. Consumers can report car insurance fraud, download brochures, find out industry alerts, and view agent and company licensing information.

Other informative sites include this page for Louisiana car insurance and this page for help finding agents in Vivian, LA.

And the best car insurance company is...

Low-cost car insurance can be found from both online companies in addition to many Vivian insurance agents, so you should compare both to have the best chance of lowering rates. Some car insurance companies do not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

As you go through the steps to switch your coverage, make sure you don't buy poor coverage just to save money. In many cases, an accident victim reduced physical damage coverage only to regret at claim time that the savings was not a smart move. Your aim should be to find the BEST coverage at a price you can afford.