Best Cheap Auto Insurance for Welfare Recipients in Louisiana

The words “low-priced” and “insurance” probably shouldn’t be used together, in particular when you are shopping around for the best car insurance for welfare recipients. Because it’s not cheap, let’s take a look at some situations that help determine auto insurance prices, and find a way to take a little off the next policy you buy.

Finding decent, cheap car insurance is not always easy, and finding out which company has the lowest-priced auto insurance rates for welfare recipients involves a bit more work.

Every insurance company uses slightly different criteria for determining prices, so let’s take a look at the auto insurance companies that tend to have lower prices in Louisiana.

Best Car Insurance Prices in Louisiana

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USAA has some of the most affordable car insurance rates in Louisiana at around $1,578 each year. GEICO, MetLife, Progressive, and Safeway also rank well as some of the cheapest Louisiana insurance companies.

As illustrated above, if you are currently insured with MetLife and switched to USAA, you might achieve annual savings of about $332. Customers with Progressive could save as much as $427 a year, and Safeway policyholders might lower prices by $554 a year.

If you want to find out if you’re overpaying, click here to begin a quote or visit several of the following companies.

Bear in mind that those rates are averaged across all drivers and vehicles in Louisiana and do not take into consideration a rate decrease for welfare recipients. So the car insurance company that fits you best may not even be included in the list above. That emphasizes why you need to quote rates from many companies using your own driver information and specific vehicle type.

One of the key considerations that is looked at to help calculate insurance cost is where you keep your vehicle in Louisiana. Cities with larger populations or higher claims like New Orleans, Harvey, and Metairie tend to have more expensive auto insurance rates, whereas areas with less crime or weather claims tend to receive cheaper rates.

The next table shows the highest-priced places in Louisiana for welfare recipients to buy an auto insurance policy in.

Table data uses approximated as vehicle location can decrease or increase premiums considerably.

Discounts on Louisiana auto insurance

Insurance companies that offer the best cheap auto insurance for welfare recipients in Louisiana may also offer special discounts that can lower rates by as much as 30% if you qualify. A few popular companies and their offered discounts are shown below.

The illustration below compares car insurance costs with and without discounts applied to the premium. The premiums assume a female driver, no driving violations, no at-fault accidents, Louisiana state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with vehicle safety, marriage, multiple vehicle, homeowner, safe-driver, and claim-free discounts applied. When drivers take advantage of discounts, the average amount saved each year on auto insurance for welfare recipients is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 5061,3637],[‘Age 30’, 3499,2533],[‘Age 40’, 3245,2347],[‘Age 50’, 2835,2055],[‘Age 60’, 2739,1981],[‘Age 70’, 3195,2301]]);var options = {title: ‘Effect of Discounts on Insurance Rates for Welfare Recipients’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

The illustration below demonstrates how choosing different deductibles can change yearly insurance costs when searching for cheap insurance for welfare recipients. The rate quotes are based on a married female driver, full coverage, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2925,2683,2403,2137],[‘Age 30’, 2053,1875,1671,1475],[‘Age 40’, 2025,1851,1655,1467],[‘Age 50’, 1773,1627,1457,1295],[‘Age 60’, 1691,1549,1385,1227],[‘Age 70’, 1815,1663,1493,1335]]);var options = {title: ‘Impact of Higher Deductibles on Insurance Premiums in Louisiana’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The data above shows that a 40-year-old driver could lower their policy premium by $316 a year by changing from a $100 deductible up to a $500 deductible, or save $478 by changing to a $1,000 deductible. Young drivers, like the Age 20 category, could reduce their rates up to $788 each year by choosing a larger deductible amount.

When insureds make the decision to increase the deductibles on their policy, it will be necessary to have enough funds in savings to enable you to pay the extra out-of-pocket expense associated with higher deductibles.

How to find low-cost auto insurance for welfare recipients

It’s not impossible to find cheaper rates, and here are a few penny-pinching suggestions that can help you get the cheapest coverage.

• Vehicles with safetly features generally cost less to insure
• Good credit can mean cheaper rates
• Buying home and auto insurance together can earn discounts
• Pay for small claims rather than turning them in to your insurance company
• Drop full coverage on older vehicles
• Raise your physical damage coverage deductibles
• Comparison shop frequently

That last piece of advice is notably crucial, as was affirmed in this article. Coverage prices in Louisiana can be modified anytime, so drivers shouldn’t be reluctant to buy a different policy if a better deal can be had.

Many consumers stick with the same company and that’s fine, but it’s not a great idea if that devotedness results in you overpaying lots of hard earned cash every month. It only takes a couple minutes to compare rates and find cheaper auto insurance for welfare recipients.