Things You Must Know Before Finding West Monroe Louisiana Car Insurance Online

Having to pay for overpriced car insurance can drain your bank account and make it hard to pay other bills. Comparing price quotes is free and is an excellent way to lower your monthly bill.

With so many options when it comes to car insurance, it is very difficult to find the most affordable insurance company.

The purpose of this article is to help educate you on how to effectively get price quotes. If you currently have car insurance, you will most likely be able to save some money using this strategy. Although Louisiana car owners benefit from understanding the methods companies use to price insurance differently because it can help you find the best coverage.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know some of the elements that come into play when calculating car insurance rates. Knowing what controls the rates you pay allows you to make educated decisions that can help you get much lower annual insurance costs.

The list below includes a partial list of the pieces companies use to determine your rates.

  • Liability coverage protects you – Liability insurance is the coverage that protects you if ever a jury decides you are liable for causing damage or personal injury in an accident. It provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive compared to physical damage coverage, so buy as much as you can afford.
  • Lower deductibles cost more – The deductibles define the amount you are required to spend if you file a covered claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. A few examples of covered claims could be running into the backend of another car, damage caused by hail, and burglary. The more you have to pay, the less your car insurance will be.
  • You might want pay the small claims yourself – If you tend to file frequent claims, you can definitely plan on higher rates. Insurance companies in Louisiana give cheaper rates to people who do not rely on their insurance for small claims. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
  • Multi-policy discounts can save money – Most insurance companies provide better rates to policyholders who have multiple policies with them in the form of a multi-policy discount. Even with this discount, you still need to comparison shop to make sure you are getting the best deal.
  • Your spouse saves you money – Having a spouse can actually save you money on car insurance. It translates into being more mature and responsible and it’s proven that married couples file fewer claims.
  • Your car insurance rates can be influenced by your job – Did you know your occupation can influence how much you pay for car insurance? Jobs such as lawyers, social workers and accountants tend to have higher rates than average attributed to stressful work requirements and lots of time spent at work. On the flip side, jobs such as farmers, athletes and performers receive lower rates.
  • Optional equipment can affect rates – Driving a car with an alarm system can help lower your rates. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your vehicle from being stolen.

Compare Car Insurance Today

All the larger car insurance companies like 21st Century, Allstate and State Farm allow you to get coverage prices online. Getting online rates is pretty easy as you just type in into a form. When the form is submitted, the company’s rating system will order information on your driving record and credit history and generates pricing information. Being able to quote online helps simplify price comparisons, but the work required to visit a lot of sites and type in the same information can be a bit repetitive. But it’s very important to compare as many rates as possible in order to find a lower rate.

A quicker way to get multiple rate quotes makes use of a single form that analyzes rates from many companies. It saves time, eliminates form submissions, and makes online price comparison much more enjoyable. As soon as you send your information, it is quoted and you are able to buy any of the returned quotes.

If you find a better price it’s easy to complete the application and purchase the new policy. The entire process only takes a few minutes and you will find out if you’re overpaying now.

To quickly fill out one form to compare multiple rates now, click here to open in a new tab and complete the simple form. If you have a policy now, it’s recommended you copy deductibles and limits as close as possible to your current policy. Using the same limits helps guarantee you are getting comparison quotes for the exact same coverage.

Discounts are basically free money

Car insurance can cost a lot, but you can get discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you get a quote, but some must be inquired about before you will receive the discount.

  • Save over 55 – Mature drivers may receive a small decrease in premiums.
  • Discount for Swiching Early – Select companies give a discount for buying a policy before your current policy expires. The savings is around 10%.
  • Good Students Pay Less – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
  • Employee of Federal Government – Simply working for the federal government can save as much as 8% with a few car insurance companies.
  • Save with a New Car – Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
  • Organization Discounts – Participating in a civic or occupational organization may earn a discount on your policy.
  • Multiple Policy Discount – If you have multiple policies with one insurance company you may earn up to 20% off your total premium.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags may earn rate discounts of 20% or more.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears adding up those discounts means a free policy, it just doesn’t work that way. Any amount of discount will help reduce the amount you have to pay.

To choose insurers with discount car insurance rates in Louisiana, follow this link.West Monroe Louisiana car insurance quote

Aren’t my neighborhood agents an option?

Some people would rather get advice from a local agent and that is OK! The biggest benefit of price shopping on the web is you can get better rates and still choose a local agent. Supporting local agencies is important especially in West Monroe.

Once you complete this quick form, your insurance data is immediately sent to agents in your area who will battle for your business. You never need to even leave your home because quoted prices will be sent to your email. Now that’s easy! It’s the lowest rates and work with a local agent.

Choose an insurance agent wisely

When searching for an insurance agent, you must know there are a couple types of agencies that you can select. Agents can either be independent (non-captive) or captive.

Independent Agents (or Brokers)

Independent agents are not employed by any specific company but instead can place your coverage with lots of companies enabling the ability to shop coverage around. To move your coverage to a new company, the agent simply finds a different carrier and that require little work on your part.

When comparing rates, you should always include several independent insurance agents to get the best comparison.

Shown below are independent insurance agents in West Monroe that may be able to provide price quotes.

Scott Of Louisiana Agency – 510 Trenton St – West Monroe, LA 71291 – (318) 322-7030
American Interstate Insurance – 131 Sylvan Lakes Dr – West Monroe, LA 71291 – (318) 396-8428
Southern Heritage Insurance – 2106 N 7th St # 105 – West Monroe, LA 71291 – (318) 398-9083
Direct General Ins Agency – 1300 N 7th St # C – West Monroe, LA 71291 – (318) 322-8900
Tom Mc Candlish Sr Agency – 2920 Cypress St – West Monroe, LA 71291 – (318) 362-0090

Captive Insurance Agents

Captive insurance agents write business for a single company like Liberty Mutual, Allstate, Farmers Insurance or State Farm. They are unable to give you multiple price quotes so keep that in mind. Captive agents are usually quite knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums.

Listed below is a list of captive agencies in West Monroe that are able to give rate quotes.

Shelter Insurance – 3711 Cypress St # 2 – West Monroe, LA 71291 – (318) 396-1333
Allstate Insurance – 3100 Cypress St – West Monroe, LA 71291 – (318) 325-6755
State Farm Insurance – 3711 Cypress St # 1 – West Monroe, LA 71291 – (318) 397-3600

To view a complete directory of captive insurance agencies in West Monroe, visit this link.

West Monroe LA insurance cheap

Choosing a car insurance agent needs to be determined by more than just a cheap price. Agents should be asked these questions:

  • Are they able to influence company decisions when a claim is filed?
  • How often do they review policy coverages?
  • Is the agent and/or agency licensed to do business in Louisiana?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • How many years of experience in personal lines insurance coverages do they have?

Upon receiving positive feedback to these questions and locked in a price quote, most likely you have located an auto insurance agent that meets your needs to service your policy.

You are unique and your car insurance should be too

When choosing proper insurance coverage for your personal vehicles, there is no one size fits all plan. Everyone’s situation is a little different so this has to be addressed. For example, these questions can help discover if your insurance needs would benefit from an agent’s advice.

  • Is business equipment covered while in my vehicle?
  • When would I need rental car insurance?
  • Where can I get insurance after a DUI in Louisiana?
  • Why does it cost so much to insure a teen driver in West Monroe?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Do I qualify for additional discounts?
  • At what point should I drop full coverage?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

More information is available on the website for the Louisiana Department of Insurance found here. Louisiana drivers can file complaints about a company, file complaints about an insurance agent or broker, and get help finding coverage.

In Summary

Affordable car insurance is available online and also from your neighborhood West Monroe agents, and you need to comparison shop both in order to have the best price selection to choose from. A few companies may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

In this article, we covered quite a bit of information on how to lower your car insurance rates. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the lowest priced car insurance comes from a small mutual company. Smaller companies may only write in your state and offer lower rates than their larger competitors like Progressive or GEICO.

When trying to cut insurance costs, it’s not a good idea to reduce coverage to reduce premium. Too many times, someone sacrificed collision coverage and learned later they didn’t have enough coverage. The aim is to buy the best coverage you can find at an affordable rate.