When shopping for more affordable insurance, are you baffled by the number of car insurance companies in Rayne? People have such a large number of options that it can easily turn into a burden to find the perfect company for you. Rayne is a wonderful place to live, but high . car insurance rates can make it impossible to afford good insurance coverage.
You may qualify for discounts
Car insurance can be pricey, but there could be available discounts that you may not even be aware of. Certain discounts will be applied at the time you complete a quote, but a few must be asked for prior to getting the savings.
- Anti-theft System – Cars optioned with advanced anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
- Accident Waiver – This isn’t a discount exactly, but some insurance companies may permit one accident before your rates go up so long as you are claim-free prior to the accident.
- Anti-lock Brake Discount – Vehicles with ABS braking systems or traction control can stop better under adverse conditions and earn discounts up to 10%.
- Military Deployment Discount – Being deployed in the military could mean lower premium rates.
- College Student – Kids who are attending college and leave their car at home could qualify for this discount.
- Multiple Policy Discount – If you have multiple policies with one insurance company you may earn up to 20% off your total premium.
- Driver Education Discount – Have your child take driver’s ed class in high school.
Discounts lower rates, but most discount credits are not given to the entire policy premium. Most only cut the price of certain insurance coverages like comprehensive or collision. Despite the appearance that you would end up receiving a 100% discount, you won’t be that lucky.
Auto insurance companies who might offer most of these discounts include:
If you want , ask each insurance company which discounts you qualify for. Some discounts may not apply to policies in Rayne. To locate companies who offer car insurance discounts in Louisiana, click this link.
Do I need a local insurance agent?
Some people just want to sit down with an agent and that can be a smart move Agents are trained risk managers and help you file claims. One of the benefits of getting free rate quotes online is that drivers can save money and get cheap rate quotes and still buy from a local agent.
To find an agent, once you fill out this simple form, your insurance data is emailed to local insurance agents in Rayne that can provide for your business. It’s much easier because you don’t need to contact any agents because quoted prices will be sent to you directly. If you want to compare prices from a particular provider, feel free to search and find their rate quote page and submit a quote form there.
Finding the right provider requires you to look at more than just the premium amount. Some important questions to ask are:
- Is coverage determined by price?
- How many years have they been established?
- Do they review policy coverages at every renewal?
- Can glass claims be handled at your home?
- Are claims handled at the agent’s location?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Can you choose the body shop in case repairs are needed?
Captive agents vs. Independent agents
If you need to find a good insurance agency, you should know the types of insurance agents and how they can quote your rates. Car insurance agencies may be either captive agents or independent agents. Both write policy coverage, but it’s worth mentioning how they are different because it can impact the selection process.
Agents of this type normally can only provide a single company’s rates such as Allstate, Farmers Insurance or State Farm. They generally cannot shop your coverage around so they really need to provide good service. They are trained well on their company’s products which can be an advantage. Consumers frequently purchase coverage from captives mostly because of the brand rather than low rates.
Below is a short list of captive agents in Rayne that can give you rate quotes.
- Farm Bureau Insurance – 1405 The Blvd – Rayne, LA 70578 – (337) 334-9064
- Allstate-Bryan Burns Agency – 400 N Adams Ave – Rayne, LA 70578 – (337) 334-0047
- State Farm Insurance – 108 W Anding St – Rayne, LA 70578 – (337) 334-5135
Independent Agencies or Brokers
Agents of this type often have affiliation with several companies so they have the ability to put coverage with lots of companies and find you cheaper rates. If your premiums go up, they simply switch companies in-house which makes it simple for you. If you need lower rates, we recommend you get several quotes from several independent agencies to ensure the widest selection of prices. Many independent agencies also insure through additional companies that you may not be familiar with which can be an advantage.
The following is a short list of independent insurance agencies in Rayne who can help you get comparison quotes.
- Horace Mann Insurance Co – 320 Wilturner Rd – Rayne, LA 70578 – (337) 873-4070
- Allstate-Bryan Burns Agency – 400 N Adams Ave – Rayne, LA 70578 – (337) 334-0047
- Fontenot Insurance Inc – 108 E Texas Ave – Rayne, LA 70578 – (337) 334-4213
To view additional car insurance agents in Rayne, visit this page of car insurance providers in Rayne, LA.
Do you really save 40% when you switch?
Consumers in Louisiana can’t ignore all the ads for cheaper car insurance from companies such as State Farm, Geico and Progressive. They all seem to make the promise that drivers will save a bundle just by switching your car insurance policy to them.
How does every car insurance company claim to save you money? Here is the trick they use.
Many companies have underwriting criteria for a prospective insured that will be a good risk. A good example of a profitable insured may need to be a married male, has no claims, and drives a safe vehicle. A propective insured who matches those parameters will qualify for the lowest rates in Rayne and most likely will save when they switch companies.
Insureds who do not match the “perfect” profile will probably be forced to pay a higher premium with the end result being the customer buying from a different company. If you pay close attention to the ads, they say “drivers who switch” not “everyone that quotes” can get the lowest rates when switching. That’s the way companies can make claims that they all have the best premium rates. Each company has different criteria, so you really need to do a price quote comparison at every renewal. It is impossible to predict the company that will provide the lowest auto insurance rates.
Parts of your car insurance policy
Knowing the specifics of a car insurance policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things such as hitting a bird, falling objects and fire damage. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
Liability car insurance
This will cover damages or injuries you inflict on other’s property or people. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000.
Liability insurance covers claims like medical expenses, repair bills for other people’s vehicles and loss of income. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford. Louisiana state minimum liability requirements are 15,000/30,000/25,000 but you should think about purchasing higher limits.
Insurance for medical payments
Med pay and PIP coverage pay for expenses for doctor visits, ambulance fees and surgery. They are used in conjunction with a health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay
Collision coverage protection
This pays for damage to your vehicle resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims such as rolling your car, sideswiping another vehicle, hitting a parking meter, scraping a guard rail and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.
Uninsured Motorist or Underinsured Motorist insurance
This coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your vehicle.
Due to the fact that many Louisiana drivers only carry the minimum required liability limits (which is 15/30/25), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.
More tips and info about car insurance is located at the Louisiana Department of Insurance website. Louisiana drivers can learn about insurance regulations, find a variety of consumer forms, and read state legal mandates and laws.
In the end, you save
As you , it’s very important that you do not buy lower coverage limits just to save a few bucks. In many instances, someone sacrificed uninsured motorist or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to find the BEST coverage at the lowest possible cost but still have enough coverage for asset protection.
Cheap car insurance can be bought both online and with local Rayne insurance agents, and you should be comparing both to have the best rate selection. Some insurance providers may not provide the ability to get quotes online and many times these smaller providers sell through independent agents.
People change insurance companies for many reasons like poor customer service, policy non-renewal, delays in paying claims or delays in responding to claim requests. It doesn’t matter why you want to switch finding a new car insurance company can be less work than you think.