Have you had enough of not being able to afford to insure your vehicles every month? You are no different than the majority of other car owners in Louisiana. With consumers having so many companies and agents to choose from, it’s nearly impossible to locate the best company.
It’s smart to shop coverage around once or twice a year since rates change regularly. Just because you had the best deal on your last policy you will most likely find a better rate today. Forget anything you know (or think you know) about auto insurance because you’re about to learn the proper way to properly buy coverages while reducing your premium.
Buying car insurance in Kenner is quite easy. If you have insurance now or need new coverage, you can follow these tips to get lower rates while maximizing coverage. Louisiana drivers just need to learn the proper way to get comparison quotes online.
Don’t pay full price with these 5 discounts
Companies that sell car insurance don’t necessarily list every available discount in a way that’s easy to find, so we took the time to find both the well known and the harder-to-find auto insurance savings. If you aren’t receiving every discount you qualify for, you are paying more than you should be.
- Save over 55 – Mature drivers may qualify for reduced rates.
- Clubs and Organizations – Participating in a civic or occupational organization could qualify you for a break when shopping for auto insurance.
- Service Members Pay Less – Being deployed with a military unit could mean lower rates.
- No Claims – Drivers with accident-free driving histories pay less when compared to frequent claim filers.
- Payment Method – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
It’s important to understand that some credits don’t apply to all coverage premiums. A few only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think you could get a free auto insurance policy, auto insurance companies aren’t that generous.
To choose providers with the best auto insurance discounts in Louisiana, follow this link.
Quick Kenner Auto Insurance Quotes
Most companies such as GEICO, State Farm and Progressive provide price estimates online. Getting quotes is fairly straightforward as you just enter your required coverages into the quote form. Behind the scenes, the system makes automated requests for your driving record and credit report and quotes a price determined by many factors. This simplifies rate comparisons, but having to visit several different sites and fill out multiple forms is monotonous and tiresome. But it’s very important to do this in order to find better prices.
There is a better way to compare rates
A less time-consuming method to lower your auto insurance bill makes use of a single form to return rates from a lot of companies. It’s a real time-saver, eliminates repetitive work, and makes price shopping online a lot less work. After sending your information, your coverage is rated and you can select any or none of the pricing results. If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. It just takes a couple of minutes and could lower your rates considerably.
To find out how much you’re overpaying now, click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you replicate coverages and limits just like they are on your policy. This makes sure you’re receiving an apples-to-apples comparison using the same coverage and limits.
Your personal situation dictates your coverage
When it comes to buying proper insurance coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that could help you determine whether your personal situation may require specific advice.
- Am I covered if I drive in a foreign country?
- How much liability coverage do I need in Louisiana?
- How much underlying liability do I need for an umbrella policy?
- Should I have combined single limit or split liability limits?
- Can I rate high risk drivers on liability-only vehicles?
- How high should my medical payments coverage be?
- Do I have coverage when using my vehicle for my home business?
- Do I benefit by insuring my home with the same company?
- Do I need PIP coverage since I have good health insurance?
If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can help protect your family.
Auto insurance coverages
Learning about specific coverages of a auto insurance policy helps when choosing the right coverages and proper limits and deductibles. Auto insurance terms can be difficult to understand and reading a policy is terribly boring. Listed below are the usual coverages available from auto insurance companies.
Collision coverage – Collision coverage pays for damage to your vehicle resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.
Collision insurance covers claims like colliding with a tree, crashing into a building, sustaining damage from a pot hole and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.
Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as prosthetic devices, X-ray expenses and dental work. They are often used in conjunction with a health insurance program or if you do not have health coverage. It covers you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay
Liability car insurance – This provides protection from damages or injuries you inflict on other’s property or people that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.
Liability insurance covers things such as repair costs for stationary objects, medical services and funeral expenses. How much liability should you purchase? That is a personal decision, but buy as much as you can afford. Louisiana state minimum liability requirements are 15,000/30,000/25,000 but drivers should carry better liability coverage.
Uninsured or underinsured coverage – This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your vehicle.
Due to the fact that many Louisiana drivers have only the minimum liability required by law (15/30/25 in Louisiana), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.
Comprehensive protection – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims like hitting a bird, a tree branch falling on your vehicle and hitting a deer. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Affordable insurance is out there
As you restructure your insurance plan, don’t be tempted to skimp on critical coverages to save a buck or two. In too many instances, someone sacrificed collision coverage and found out when filing a claim they didn’t purchase enough coverage. Your aim should be to buy a smart amount of coverage at the best price while still protecting your assets.
Throughout this article, we presented some good ideas how you can save on auto insurance. The most important thing to understand is the more quotes you get, the better likelihood of reducing your rate. You may even find the lowest rates come from a small local company. Some small companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm or Progressive.