Best Cheap Auto Insurance Quotes for Hybrid Vehicles in Louisiana

You have surely seen all the commercials from car insurance companies like Nationwide, Progressive, and The General that guarantee dirt cheap rates. So you just need to choose the one with the best commercial, right?

It’s not quite that easy, unfortunately, as there are many unknown aspects like the number of miles you drive in a year, whether you are a woman or a man, and the safety features of your vehicle, that all help calculate your car insurance rates. This article goes into detail about the best ways to maintain low rates and will hopefully give you a good beginning to your quest for cheaper car insurance.

The vehicle model requiring coverage is one of the biggest factors in finding the best cheap auto insurance for hybrid vehicles in Louisiana. Vehicles with lower performance, good safety features, or low incidents of liability claims will cost much less to insure than higher performance models.

The list below showcases auto insurance premiums for a handful of the cheapest automobiles to insure in Louisiana.

Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Price information does not factor in Louisiana location which can influence premium rates greatly.

Looking at the numbers, we can presume that makes and models like the Ford Escape, Honda CR-V, Chevrolet Traverse, and Toyota Prius are most likely going to be a few of the cheaper vehicles to insure for hybrids.

Trying to find reasonably-priced auto insurance is hard enough, and figuring out which companies offer the best insurance rates for hybrid vehicles will take even more rate comparisons. Every car insurance company uses their own calculation for setting prices, so let’s begin by examining the most affordable insurance companies in Louisiana.

It’s important that readers know that Louisiana insurance rates are calculated based on many things that can increase the cost of your policy. This price variation is why it is crucial to do a thorough rate comparison when trying to find the most affordable car insurance rates for hybrid vehicles. Insurance rates are calculated by many different factors and can increase or decrease at any time, so the best option the last time you shopped around may now be an over-priced policy.

Cheap Insurance Rates for Hybrids

Get a Free Quote and Save

USAA may have some of the best car insurance rates in Louisiana at around $1,642 per year. GEICO, MetLife, Progressive, and Safeway would also be considered some of the lowest-priced Louisiana auto insurance companies.

In the above example, if you currently have a policy with MetLife and switched to USAA, you could see an annual premium reduction of in the neighborhood of $268. Policyholders with Progressive may save as much as $304 a year, and Safeway policyholders might lower prices by up to $556 a year.

To find out how your current rates compare, click here to get quotes or feel free to get quotes from the companies below.

It’s important to note that these estimates are averages across all types of drivers and the different vehicles they drive and and are not figured with a price decrease for hybrid vehicles. So the insurer that can offer you the lowest price may not even be included in the list above. That is why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.

The example below illustrates how your deductible choice can increase or decrease insurance costs when trying to find cheap insurance for hybrid vehicles. The data assumes a single male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 4553,4151,3713,3299],[‘Age 30’, 2363,2175,1955,1743],[‘Age 40’, 2339,2141,1911,1693],[‘Age 50’, 2127,1949,1745,1551],[‘Age 60’, 2055,1883,1689,1503],[‘Age 70’, 2491,2297,2079,1873]]);var options = {title: ‘Deductibles and Auto Insurance Prices in Louisiana’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},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 50-year-old driver could reduce rates by $382 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $576 by switching to a $1,000 deductible. Even younger insureds, such as the Age 20 example, could possibly save as much as $1,254 every year by using a higher deductible. When raising deductibles, it is essential to have plenty of savings on hand to enable you to cover the extra out-of-pocket expense that is associated with using high deductibles.

Discount Louisiana auto insurance rates

Car insurance companies that provide the best cheap auto insurance for hybrid vehicles in Louisiana may also give you rate discounts that could potentially reduce rates by 35% or more if you meet specific criteria. The best insurance companies and their offered discounts are detailed below.

The illustration below compares insurance premiums with and without discounts applied to the premium. The costs are based on a male driver, no accidents or driving violations, Louisiana state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with multiple policy, defensive driving course, passive restraint, marriage, claim-free, and vehicle safety discounts applied. When discounts are applied, the the average yearly reduction on insurance for hybrid vehicles is 13% or $286.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 3713,2665],[‘Age 30’, 1955,1417],[‘Age 40’, 1911,1387],[‘Age 50’, 1745,1261],[‘Age 60’, 1689,1221],[‘Age 70’, 2079,1497]]);var options = {title: ‘Insurance Rate Comparison for Hybrid Vehicles’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],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);}