How to Find Cheaper Lafayette Auto Insurance

Saving money on Lafayette auto insurance is nearly impossible for people who are new to shopping for insurance online. There are so many choices that it can easily become a real challenge to find the best price in Lafayette.

Save big with these discounts

Insurance can cost an arm and a leg, buy you may qualify for discounts to cut the cost considerably. Some discounts apply automatically at the time of purchase, but some must be manually applied prior to receiving the credit.

  • Club Memberships - Participating in certain professional organizations could qualify you for a break when buying auto insurance.
  • Payment Method - If you pay your bill all at once rather than paying monthly you could save up to 5%.
  • Save over 55 - Older drivers may be able to get a small decrease in premiums.
  • Fewer Miles Equal More Savings - Fewer annual miles can qualify you for lower rates on the low mileage vehicles.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Anti-theft System - Anti-theft and alarm systems can help prevent theft and will save you 10% or more.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Most cut individual premiums such as physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, auto insurance companies aren't that generous. Any amount of discount will cut your overall premium however.

For a list of insurers who offer auto insurance discounts in Lafayette, follow this link.

Compare the Market for Auto Insurance in Lafayette

There are several ways of comparing price quotes and find the best price. The recommended way to find the lowest rates consists of shopping online. This can be accomplished in several different ways.

One of the best ways to find low rates is to use a rate comparison form click to view form in new window. This method eliminates the need for repetitive form entry for each company. Taking the time to complete one form will get you rate comparisons direct from many companies. This is perfect if you don't have a lot of time.

A more difficult way to get quotes online requires you to visit each individual company website and fill out their own quote form. For example, let's say you want rates from , and . You would have to visit each site and enter your policy data, which is why the first method is more popular. To view a list of companies in Lafayette, click here.

The least efficient way to get comparison rates is to drive around to local Lafayette insurance agencies. Shopping for auto insurance online makes this process obsolete unless you require the trained guidance of a licensed agent. You can, however, compare online quotes and still use a local agent. We'll cover that shortly.

Whichever way you use, double check that you are using the exact same coverage information for every quote you compare. If you compare unequal deductibles or liability limits it will be impossible to determine the best price in Lafayette. Just a small difference in coverages may result in large price differences. It's important to know that comparing more company's prices will enable you to find the best offered rates.

Affordable insurance is out there

Cheap auto insurance can be bought online as well as from independent agents in Lafayette, and you should be comparing both so you have a total pricing picture. Some insurance providers don't offer online quoting and usually these smaller companies provide coverage only through local independent agents.

Consumers change insurance companies for a number of reasons such as questionable increases in premium, unfair underwriting practices, not issuing a premium refund and delays in responding to claim requests. Whatever your reason, choosing a new insurance company is not as hard as you think.

As you shop your coverage around, never sacrifice coverage to reduce premiums. In too many instances, an insured dropped liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your focus should be to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.