Car Insurance in White Castle, LA - 8 Discounts You Might be Losing Out On

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us when we tell you many White Castle consumers feel financially strained by their car insurance policy.

Companies like State Farm, Allstate, GEICO and Progressive persitently shower you with fancy advertisements and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.

If you currently have a car insurance policy, you should be able to save some money using this strategy. Finding the best rates in White Castle is easy if you know what you're doing. But Louisiana car owners do need to know the way companies price online insurance and take advantage of how the system works.

Are you getting all your discounts?

Properly insuring your vehicles can get expensive, but there are discounts available that many people don't even know exist. Certain discounts will be applied at the time of quoting, but lesser-known reductions have to be manually applied before you will receive the discount.

  • Accident Free - Drivers with accident-free driving histories can earn big discounts when compared to drivers who are more careless.
  • Multi-car Discount - Buying coverage for more than one vehicle on one policy qualifies for this discount.
  • Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
  • Military Rewards - Having a family member in the military could mean lower rates.
  • Braking Control Discount - Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
  • Passive Restraints and Air Bags - Cars that have air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in school.
  • Low Mileage Discounts - Driving fewer miles can qualify you for better rates on cars that stay parked.

Drivers should understand that most discount credits are not given to all coverage premiums. Most only cut the price of certain insurance coverages like comp or med pay. So despite the fact that it appears adding up those discounts means a free policy, companies wouldn't make money that way. But all discounts will reduce the cost of coverage.

How can Progressive, Allstate and GEICO save drivers who switch?

Car insurance providers like Progressive, Allstate and GEICO constantly bombard you with ads on television and other media. They all make the same claim that you'll save big if you switch to them. How can each company make the same claim? This is how they do it.

Insurance companies are able to cherry pick for the type of driver that earns them a profit. An example of a driver they prefer could be between the ages of 30 and 50, has no driving citations, and drives less than 7,500 miles a year. Any new insured who matches those parameters will qualify for the lowest rates and as a result will probably save when they switch companies.

Potential insureds who are not a match for the requirements will be quoted more money which leads to business going elsewhere. The ad wording is "drivers who switch" not "everybody who quotes" save money. That's the way companies can advertise the way they do.

This emphasizes why you should get a wide range of price quotes. It's just too difficult to predict which car insurance company will provide you with the cheapest rates.

Learn more about Louisiana car insurance

Much more information about car insurance in Louisiana is available on the website for the Louisiana Department of Insurance. Click here for link. Consumers can read industry bulletins, report car insurance fraud, read consumer alerts, and view a list of available companies.

Affordable insurance is out there

Budget-conscious car insurance can be found from both online companies and with local White Castle insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some car insurance companies do not offer you the ability to get quotes online and these smaller companies work with independent agents.

When shopping online for car insurance, it's not a good idea to buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.