Purchasing the lowest cost Donaldsonville car insurance might appear somewhat difficult for vehicle owners that are not comfortable with quoting and price shopping over the internet. With such a big selection of agents and companies in the marketplace, how can vehicle owners have a chance to compare each option to find the best available rates?
If you have a policy now or need a new policy, you can follow these tips to shop for the lowest rates while maintaining coverages. This article will introduce you to the best way to quote coverages. Louisiana drivers just need to understand the tricks to compare rates on the web.
The most recommended method to compare car insurance company rates is to know most larger insurance companies will pay a fee to give you rate quotes. To begin a comparison, all you need to do is spend a couple of minutes providing details like the year, make and model of vehicles, your education level, distance driven, and if a SR-22 is required. That rating information is sent automatically to multiple car insurance providers and they respond with quotes quickly.
If you would like to compare rates now, click here and enter your coverage details.
Slick advertising tricks that work
Consumers in Louisiana constantly see and hear ads for cheaper car insurance by companies like State Farm and Allstate. All the companies convey the message that drivers can save some big amount if you change to them.
How does every car insurance company give you a better price? You have to listen carefully.
Car insurance companies require specific criteria for the type of driver that will most likely be profitable. An example of a driver they prefer might be described as over the age of 40, has never had a policy lapse, and drives a lower-performance vehicle. Any new insured that matches those criteria will get a cheap rate quote and will most likely save when switching.
Drivers who do not fit the “perfect” profile will be quoted higher rates which leads to the driver buying from a lower-cost company. The ad wording is “people that switch” not “everyone who quotes” save money. That’s the way insurance companies can confidently make those statements.
Different companies use different criteria so you should quote coverage with many companies. It is impossible to predict the company that will provide you with the cheapest premium rates.
Get cheaper Donaldsonville car insurance with discounts
Car insurance is not inexpensive, but there’s a good chance there are discounts that can drop the cost substantially. Some discounts will apply when you complete an application, but a few must be manually applied before being credited. If you do not double check each discount available, you’re just leaving money on the table.
- Air Bag Discount – Factory options such as air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
- Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off depending on your car insurance provider.
- Good Grades Discount – Performing well in school can get you a discount of up to 25%. Most companies allow this discount up to age 25.
- Military Discounts – Being deployed with a military unit can result in better rates.
- Anti-lock Brakes – Vehicles with anti-lock braking systems can avoid accidents and the ABS can save up to 10%.
- Sign Early and Save – Some insurance companies reward drivers for renewing your policy prior to the expiration date on your current policy. It’s a savings of about 10%.
- Pay Early and Save – By paying your entire bill at once rather than paying in monthly installments you can actually save on your bill.
- Multiple Cars – Drivers who insure multiple cars or trucks with the same company can reduce rates for all insured vehicles.
- Defensive Driving Course – Successfully completing a safe driver course could possibly earn you a 5% discount if you qualify.
- Distant College Student Discount – College-age children who are attending college and do not have a car could get you a discount.
Policy discounts save money, but most of the big mark downs will not be given to the entire policy premium. Most only reduce specific coverage prices like medical payments or collision. Even though the math looks like having all the discounts means you get insurance for free, companies don’t profit that way. Any amount of discount will definitely reduce the amount you have to pay.
Large car insurance companies and their possible discounts are detailed below.
- Travelers policyholders can earn discounts including hybrid/electric vehicle, multi-policy, driver training, new car, early quote, and IntelliDrive.
- 21st Century discounts include 55 and older, student driver, good student, early bird, air bags, and defensive driver.
- State Farm includes discounts for driver’s education, multiple policy, anti-theft, student away at school, Drive Safe & Save, and defensive driving training.
- GEICO has savings for driver training, air bags, defensive driver, multi-policy, federal employee, and membership and employees.
- SAFECO may have discounts that include multi-car, drive less, accident prevention training, anti-lock brakes, bundle discounts, and anti-theft.
- AAA offers discounts for good driver, education and occupation, anti-theft, good student, multi-policy, AAA membership discount, and pay-in-full.
If you need lower rates, check with each company how you can save money. Discounts may not apply to policyholders in your area.
What if I want to buy from local Donaldsonville auto insurance agents?
Many drivers would rather go talk to an agent and that is not a bad decision Good insurance agents can make sure you are properly covered and help submit paperwork. An additional benefit of getting free rate quotes online is that you can obtain cheaper prices but also keep your business local. Supporting local insurance agents is definitely important in Donaldsonville.
By using this short form, the quote information is sent to local insurance agents who want to provide quotes for your business. You won’t need to contact any insurance agencies since rate quotes are delivered to you directly. If you want to quote rates from a specific company, feel free to find their quoting web page and fill out the quote form the provide.
Shown below is a short list of car insurance companies in Donaldsonville willing to provide price quote information.
- Clifton Ourso Insurance – 3384 Highway 1 S, Donaldsonville, LA 70346 – (225) 473-9887
- D’Ville Insurance Inc – 408 Marchand Dr, Donaldsonville, LA 70346 – (225) 473-4226
- Farm Bureau Insurance – 418 Mississippi St, Donaldsonville, LA 70346 – (225) 473-3276
If you want to pick from licensed insurance agents in Donaldsonville, view this list of Donaldsonville, LA insurance agents.
Picking an provider is decision based upon more than just a cheap price quote. The following questions are important to ask.
- Did they already check your driving record and credit reports?
- Are aftermarket or OEM parts used to repair vehicles?
- How experiences are they in personal risk management?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Does the company allow you to choose your own collision repair facility?
- How are claims handled?
Additional information can be found on the located here. Visitors are able to report car insurance fraud, get help finding coverage, and find out which companies have the most complaints.
Auto insurance coverage information
Learning about specific coverages of car insurance can be of help when determining appropriate coverage and the correct deductibles and limits. Car insurance terms can be impossible to understand and coverage can change by endorsement.
This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things such as damage from getting keyed, a tree branch falling on your vehicle, vandalism, a broken windshield and hitting a bird. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Auto liability insurance
Liability coverage provides protection from damage that occurs to a person or their property. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.
Liability coverage protects against things like medical services, medical expenses, court costs and loss of income. How much coverage you buy is your choice, but buy higher limits if possible. Louisiana requires drivers to carry at least 15,000/30,000/25,000 but it’s recommended drivers buy more coverage.
Uninsured and underinsured coverage
Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your vehicle.
Because many people carry very low liability coverage limits (15/30/25 in Louisiana), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Normally these limits are similar to your liability insurance amounts.
Coverage for medical payments
Personal Injury Protection (PIP) and medical payments coverage pay for bills for chiropractic care, nursing services, doctor visits, funeral costs and surgery. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage
This coverage will pay to fix damage to your vehicle resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.
Collision coverage protects against things such as colliding with a tree, backing into a parked car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.
Keep this in mind
We’ve covered many ways to save on car insurance. It’s most important to understand that the more you , the higher the chance of saving money. You may be surprised to find that the biggest savings come from the least-expected company.
Consumers leave their current company for a variety of reasons including high prices, denial of a claim, not issuing a premium refund or unfair underwriting practices. It doesn’t matter why you want to switch finding a new car insurance company is actually quite simple.
As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced full coverage and found out when filing a claim that they should have had better coverage. The aim is to buy enough coverage at the best possible price, but do not skimp to save money.