New Strategies for Buying New Orleans Auto Insurance at a Discount

No one in their right mind likes having to buy auto insurance, especially knowing their premiums are through the roof.

Consumers have many auto insurance companies to choose from, and even though it’s nice to be able to choose, it can be more difficult to locate the cheapest rates.

Smart consumers take time to shop coverage around every six months due to the fact that insurance rates are adjusted regularly by insurance companies. Just because you had the best price six months ago you will most likely find a better rate today. So block out anything you think you know about auto insurance because I’m going to teach you the things you must know in order to properly buy coverages and cut your premium.

Finding affordable coverage in New Orleans is not rocket science. If you have car insurance now, you should be able to save some money using these methods. Although Louisiana consumers can benefit from knowing how insurance companies compete online because it can help you find the best coverage.

Comprehensive New Orleans Auto Insurance Comparison Quotes

There are a lot of ways to compare auto insurance prices and some are easier and takes less work. You can waste a few hours (or days) driving to agents in New Orleans, or you could use the web for quick rates.

Most car insurance companies participate in a marketplace that allows shoppers to enter their policy data once, and each company can give them a price based on that data. This saves time by eliminating form submissions for each company you want a rate for.

To enter your information into the quoting system, click to open in new window.

The one disadvantage to doing it this way is you don’t know exactly the insurers to receive prices from. So if you prefer to pick specific providers to receive pricing from, we have assembled a list of auto insurance companies in Louisiana. Click here for list of insurance companies in Louisiana.lower rates in Louisiana

It doesn’t matter which method you choose, just compare exactly the same coverages and limits with every price quote. If you enter different limits and deductibles on each one it will be impossible to make a fair comparison in New Orleans. Just a small difference in coverages can mean a large discrepancy in price. Keep in mind that getting more free quotes helps locate a lower rate.

You probably qualify for some discounts

Auto insurance companies don’t necessarily list every available discount very clearly, so the following is a list of some of the more common as well as the least known savings tricks you should be using.

  • Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
  • Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% with select insurance companies.
  • Multiple Cars – Insuring all your vehicles on one policy may reduce the rate for each vehicle.
  • Homeowners Savings – Being a homeowner can save you money because maintaining a house shows financial diligence.
  • Accident Free – Good drivers with no accidents can save substantially when compared with accident-prone drivers.
  • Save with a New Car – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
  • Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less than less cautious drivers.
  • E-sign – Some insurance companies may give you up to $50 for buying a policy and signing up digitally online.

Keep in mind that some credits don’t apply to the entire policy premium. Most only cut the cost of specific coverages such as collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, you won’t be that lucky.

For a list of companies with the best auto insurance discounts in New Orleans, follow this link.

Can’t I compare rates from local New Orleans agents?

Some people would rather buy from a local agent. The best thing about comparing rates online is you can get lower rates and still have an agent to talk to.

After filling out this form (opens in new window), your insurance coverage information is emailed to companies in New Orleans who will return price quotes for your business. There is no reason to visit any agencies due to the fact that quote results will go directly to your email. How’s that for easy! It’s the lowest rates and an insurance agent to talk to.

Deciding on an provider should depend on more than just the premium amount. These questions are important to ask:

  • How are claims handled?
  • Can they provide you with a list of referrals?
  • What are the financial ratings for the companies they represent?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Are there any discounts that you might be missing?

Listed below are agents in New Orleans who can help you get price quote information.

State Farm Insurance – 9830 Lake Forest Blvd # 101, New Orleans, LA 70127 – (504) 242-9191
Direct General Ins Agency – 6027 Chef Menteur Hwy # 6023, New Orleans, LA 70126 – (504) 241-1040
Garcia Insurance – 3815 Macarthur Blvd, New Orleans, LA 70114 – (504) 362-3944
Allstate Insurance – 5163 General Degaulle Dr # D, New Orleans, LA 70131 – (504) 392-3577
Liberty Insurance Corp – 9820 Lake Forest Blvd, New Orleans, LA 70127 – (504) 240-5191

save money concept

Once you have received answers to your satisfaction to your questions and a good coverage price, you’ve probably found an provider that will insure your vehicles.

More detailed Louisiana auto insurance information can be found at the Louisiana Department of Insurance website. Louisiana consumers can read enforcement actions against agents and companies, discover disciplinary actions, and view agent and company licensing information.

The articles below may also help you learn more about auto insurance in New Orleans

Compare but don’t skimp

Throughout this article, we presented many tips how you can compare auto insurance prices online. It’s most important to understand that the more providers you compare, the better your comparison will be. You may be surprised to find that the best prices are with some of the smallest insurance companies. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as Progressive or GEICO.

The cheapest auto insurance is definitely available on the web and also from your neighborhood New Orleans agents, so compare prices from both to have the best rate selection. A few companies may not provide you the ability to get quotes online and these small, regional companies work with independent agents.