Discover the Secrets to Cheaper Pineville Auto Insurance

Confused by the crazy number of auto insurance options in Pineville? You have a lot of company. Drivers have so many options available that it can be a challenge to locate the lowest price.

How to Compare Auto Insurance Quotes in Pineville

Most companies like State Farm and Allstate allow you to get coverage prices online. Getting online quotes is fairly simple as you just type in the coverages you want into a form. After you submit the form the system will order credit information and your driving record and returns pricing information based on these and other factors.

Online price quotes helps simplify price comparisons, but the time required to go to different websites and fill out multiple forms can get tiresome after awhile. But it is imperative to have as many quotes as possible if you are searching for a better rate.

The quickest way to locate the lowest prices utilizes a single form that obtains quotes from many companies. It’s a real time-saver, helps eliminate reptitive entry, and makes price shopping online much simpler. After sending your information, it gets priced and you are able to buy any of the quotes returned. If a lower price is quoted, you can click and sign and purchase the new policy. This process takes less than 15 minutes and can result in significant savings.

In order to find out how much you can save on auto insurance, click here to open in new window and enter your information. To compare your current rates, we recommend you complete the form with the insurance coverages exactly as shown on your declarations page. Doing this guarantees you will be getting rate quotes for similar coverage.

Ads can be misleading

Companies like State Farm and Allstate continually stream television and radio advertisements. All the ads have a common claim that you’ll save big after switching to their company. How do they all say the same thing?

Different companies have a preferred profile for the type of customer they prefer to insure. For example, a driver they prefer might be a mature driver, owns a home, and drives less than 10,000 miles a year. Any driver who fits that profile will get the preferred rates and therefore will save when they switch companies.

Potential insureds who don’t meet this ideal profile must pay a higher premium which leads to business not being written. The ads state “drivers who switch” not “people who quote” save money. That’s why insurance companies can advertise the way they do. This illustrates why it’s extremely important to get as many comparisons as possible. It’s not possible to predict which company will provide you with the cheapest rates.

Don’t pay full price with these discounts

Companies that sell car insurance do not advertise every available discount in an easy-to-find place, so the following is a list of some of the best known and the more hidden auto insurance savings.

  • Anti-theft Discount – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Accident Forgiveness – A few companies will forgive one accident without raising rates as long as you don’t have any claims for a set time period.
  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
  • Senior Citizens – Older drivers may qualify for a discount up to 10%.
  • Homeowners Discount – Owning a home in Pineville can save you money because of the fact that having a home shows financial diligence.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. A few only apply to specific coverage prices like liability and collision coverage. So even though it sounds like you can get free auto insurance, companies don’t profit that way.

Comparing rates from local agents

A small number of people prefer to buy from a licensed agent and that is a personal choice. The biggest benefit of comparing insurance prices online is you may find lower rates but also keep your business local.

By using this simple form, your insurance data is immediately sent to local insurance agents in Pineville who will compete for your coverage. You don’t have to even leave your home as quotes are delivered straight to your inbox. How cool is that?! You can find the lowest rates AND a local agent.

Choosing a company needs to be determined by more than just the premium amount. Any agent should have no problem answering these questions:

  • Did they already check your driving record and credit reports?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • How long have they worked with personal auto insurance coverage?
  • Does the agency have a good rating with the Better Business Bureau?
  • Which members of your family are coverage by the policy?
  • Can they give you a list of client referrals?
  • Are they able to influence company decisions when a claim is filed?

Multiple types of insurance agents in Pineville

When searching for a local agent, there are two different types of agents to choose from. Agents are classified as either independent (non-captive) or captive.

Agency Captives

This type of agents can only place business with one company and examples are State Farm, AAA and Liberty Mutual. Captives cannot place coverage with different providers so they have no alternatives for high prices. Captives are usually quite knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums. Consumers frequently choose to use a captive agent mainly due to loyalty to the company and solid financial strength.

Below is a short list of captive insurance agencies in Pineville that can give you comparison quotes.

  • Farm Bureau Insurance – 308 Griffith St – Pineville, LA 71360 – (318) 619-9090
  • Shelter Insurance – 808 Main St – Pineville, LA 71360 – (318) 442-3276
  • State Farm Insurance – 4624 Shreveport Hwy – Pineville, LA 71360 – (318) 640-2693
  • Allstate Insurance – 212 Griffith St – Pineville, LA 71360 – (318) 619-9000
Independent Insurance Agents

Independent agencies are not required to write business for one company but rather can write business with multiple insurance companies depending on which coverage is best. To transfer your coverage to a different company, your agent can switch companies and that require little work on your part.

When comparison shopping, it’s a good idea to include price quotes from at least one independent agent to have the most options to choose from. Most have the option of insuring with smaller companies which can be an advantage.

Listed below are independent agents in Pineville who can help you get rate quotes.

  • Hymie Bradford Agency – 1705 Gibbons St # B – Pineville, LA 71360 – (318) 487-1991
  • Davis Garvin Agency – 2901 Highway 28 E # E – Pineville, LA 71360 – (318) 619-9484
  • First Choice Insurance – 212 Pinegrove Dr – Pineville, LA 71360 – (318) 487-1990
  • Bill DC Bates Agency Inc – 704 Main St – Pineville, LA 71360 – (318) 445-3627
  • Star Insurance – 3312 Shreveport Hwy – Pineville, LA 71360 – (318) 640-1530

To view a complete directory of Pineville insurance agents, simply jump to this page.

price insurance in Louisiana

Once you have received acceptable answers for all questions you ask and locked in a price quote, you’ve probably found an insurance agency that is a good match to insure your vehicles.

More tips and info about auto insurance is located at the Louisiana Department of Insurance website. Visitors are able to learn about specific coverages, read industry bulletins, get help finding coverage, and view a list of available companies.

A tidy conclusion

When buying insurance coverage, you should never sacrifice coverage to reduce premiums. In too many instances, an insured dropped uninsured motorist or liability limits only to discover later they didn’t purchase enough coverage. Your aim should be to buy a smart amount of coverage at the best price, not the least amount of coverage.

Lower-priced auto insurance is available on the web and also from your neighborhood Pineville agents, so you should compare both to have the best chance of lowering rates. Some auto insurance companies may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

People switch companies for a number of reasons such as high rates after DUI convictions, an unsatisfactory settlement offer, lack of trust in their agent and even being labeled a high risk driver. Regardless of your reason for switching companies, finding the right auto insurance provider is easier than you think.