Have you had enough of wondering where the money will come from to pay high car insurance rates every month? You’re in the same situation as many other vehicle owners in Louisiana. Companies like GEICO and Progressive continually hit you with ad campaigns and it can be hard to sift through the bull and find the best price available.
It’s a great practice to get comparison quotes occasionally since insurance prices are constantly changing. Just because you had the lowest rate a couple years back there may be better deals available now. You’ll find a ton of advice on car insurance online but in a few minutes you can learn some proven techniques to lower your car insurance bill.
If you are insured now or need new coverage, you can follow these tips to cut your premiums and still get good coverage. Buying car insurance in Westwego is easy if you know what you’re doing. Louisiana drivers just need to learn the proper methods to compare price quotes online.
Getting a cheaper price on insurance is actually quite simple. All you need to do is invest a few minutes comparing rate quotes to find. It’s super easy and can be done using one of these methods.
- Experts agree that the best way to compare a lot of rates at once is a comparison rater form (click to open form in new window). This easy form keeps you from doing boring form submissions for every prospective company. In just a few minutes this one form gets you price quotes from multiple companies.
- A harder way to compare rate quotes consists of visiting the website for each individual company and repeat the quote process. For sake of this example, we’ll assume you want to compare Liberty Mutual, GEICO and GMAC. You would have to spend time going to each site individually and enter your policy data, which can take a lot of time. To view a list of companies in Westwego, click here.
It’s up to you how you get prices quotes, just make sure you use equivalent quote information on every quote you get. If you compare unequal deductibles or liability limits then you won’t be able to decipher which rate is best in Westwego.
Save money with discounts
The price of auto insurance can be rather high, but you might already qualify for some discounts that can drop the cost substantially. A few discounts will be applied at quote time, but occassionally some discounts must be specially asked for before you get the savings.
- Organization Discounts – Affiliation with a civic or occupational organization in Westwego can get you a small discount on your bill.
- Discount for Multiple Policies – When you combine your home and auto insurance and place coverage with the same company you could earn a discount of at least 10 to 15 percent or more.
- Multiple Vehicles – Buying insurance for multiple cars on one policy can reduce rates for all insured vehicles.
- Braking Control Discount – Cars and trucks with ABS braking systems or traction control can avoid accidents and earn discounts up to 10%.
- Safety Course Discount – Taking time to complete a course teaching defensive driver skills may get you a small discount and easily recoup the cost of the course.
- Distant College Student Discount – Older children who live away from home at college and won’t have access to an insured vehicle can be insured at a reduced rate.
Don’t be surprised that most discounts do not apply to your bottom line cost. Some only apply to individual premiums such as collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, car insurance companies aren’t that generous.
To locate providers that can offer you the previously mentioned discounts in Westwego, click here.
What is the best car insurance coverage?
When it comes to choosing coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover if your situation may require specific advice.
- Should I buy additional glass protection?
- What happens if I owe more than my vehicle is worth?
- Why does it cost so much to insure a teen driver in Westwego?
- Am I covered if I crash into my own garage door?
- Am I covered if I drive in a foreign country?
- Am I covered when delivering products for my home-based business?
- Is my vehicle covered for smoke damage?
If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.
Additional car insurance information can be read on the Louisiana Department of Insurance website located here. Consumers can read state legal mandates and laws, find out industry alerts, file complaints about an insurance agent or broker, and get help finding coverage.