Follow These Insider Ways for Lower Slidell, LA Auto Insurance

I can’t think of a single person who enjoys paying for auto insurance, in particular when the price is too high. With so many options when it comes to auto insurance, it can be impossible to locate the most affordable provider.

It’s a great practice to compare rates at least once a year because prices are adjusted regularly by insurance companies. Just because you had the lowest price six months ago other companies may now be cheaper. Ignore everything you know about auto insurance because we’re going to demonstrate one of the best ways to save money, get proper deductibles and limits, all at the lowest rate.

Buying car insurance in Slidell is not that difficult. If you have car insurance now, you will most likely be able to cut costs considerably using these tips. Louisiana vehicle owners just need to understand the proper methods to shop for auto insurance online.

Are you getting all your discounts?

Car insurance companies don’t necessarily list all their discounts very clearly, so here is a list some of the more common and the more hidden auto insurance savings. If you’re not getting every credit you deserve, you’re just leaving money on the table.

  • Good Students Pay Less – This discount can get you a discount of up to 25%. The good student discount can last up until you turn 25.
  • More Vehicles More Savings – Having multiple cars or trucks with the same company may reduce the rate for each vehicle.
  • Safe Drivers – Insureds without accidents may save up to 50% more than less cautious drivers.
  • One Accident Forgiven – A few companies allow you one accident without raising rates if you are claim-free for a set time period.
  • Claim Free – Drivers who don’t have accidents can save substantially compared to drivers who are more careless.
  • Theft Prevention System – Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Early Switch Discount – Select companies give a discount for buying a policy before your current policy expires. It’s a savings of about 10%.
  • Passive Restraints – Factory air bags can qualify for discounts of 20% or more.
  • Driver Safety – Taking a course in driver safety can save you 5% or more depending on where you live.
  • Low Mileage Discounts – Low mileage vehicles can qualify you for a substantially lower rate.

It’s important to note that some credits don’t apply to all coverage premiums. Some only reduce the cost of specific coverages such as comprehensive or collision. So when it seems like you can get free auto insurance, it doesn’t quite work that way.

To see a list of insurers with discount auto insurance rates in Slidell, click here.

Lower the Price of Insurance with These Tips

It’s important that you understand the rating factors that come into play when calculating the price you pay for auto insurance. Knowing what controls the rates you pay allows you to make educated decisions that may reward you with better auto insurance rates.

The list below includes some of the factors companies use to determine rates.

  • Add-on coverages can add up – There are a lot of additional coverages that you can buy on your policy. Insurance for rental car reimbursement, towing coverage and motor club memberships are some examples. These coverages may sound good initially, but if you don’t need them eliminate the coverages to reduce your premium.
  • How many coverages with the same company – Some auto insurance companies provide better rates to insureds who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, it’s still a good idea to compare rates to ensure the best deal.
  • Too many auto insurance claims drive up costs – If you frequently file small claims, you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance companies in Louisiana award better rates to people who are claim-free. Your insurance policy is meant to be used in the event of the large, substantial claims.
  • Protect your assets with liability insurance – Liability insurance will protect you if ever you are found liable for causing damage or personal injury in an accident. It provides legal defense starting from day one. This coverage is very inexpensive compared to physical damage coverage, so do not skimp.

Additional Louisiana car insurance resources

Additional detailed information can be read at the Louisiana Department of Insurance website. Louisiana drivers can learn about insurance regulations, find a variety of consumer forms, and view a list of available companies.

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One last thing

We’ve covered many tips how you can shop for auto insurance online. The key concept to understand is the more times you quote, the higher your chance of finding lower rates. You may even find the biggest savings come from a small local company. These companies may often insure only within specific states and give getter rates compared to the large companies like Progressive and GEICO.

As you prepare to switch companies, never buy poor coverage just to save money. There have been many cases where an accident victim reduced liability coverage limits and learned later they didn’t have enough coverage. The ultimate goal is to buy the best coverage you can find at a price you can afford while still protecting your assets.