Getting Cheap Broussard Auto Insurance
Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Believe me when I say you are not the only one feeling buyer's remorse. You have so many to buy insurance from, and although it's nice to have multiple companies, lots of choices makes it harder to compare rates.
It's important to price shop coverage every six months because insurance rates are constantly changing. Just because you found the best price a few years ago you will most likely find a better rate today. Forget anything you know (or think you know) about auto insurance because we're going to demonstrate how to use online quotes to reduce your cost while improving coverage.
Policy discounts you shouldn't miss
Companies offering auto insurance do not advertise every available discount very clearly, so we took the time to find both well-publicized as well as the least known auto insurance savings. If you're not getting every credit possible, you are throwing money away.
- Theft Prevention Discount - Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
- Multiple Vehicles - Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
- E-sign - A few companies will discount your bill up to fifty bucks just for signing your application over the internet.
- Low Mileage - Fewer annual miles can earn lower rates on the low mileage vehicles.
- Discount for Life Insurance - Some companies give a discount if you purchase life insurance.
Keep in mind that most credits do not apply to all coverage premiums. Most only reduce individual premiums such as comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, it just doesn't work that way.
Save $429 a year? Really?
Louisiana consumers get pounded daily by advertisements that promise big savings from companies such as Allstate and Progressive. All the ads say the same thing that you can save after switching your policy.
How does each company make almost identical claims?
Insurance companies are able to cherry pick for the right customer that earns them a profit. For example, a preferred risk could possibly be between the ages of 40 and 55, has no driving citations, and has a short commute. A driver who fits that profile will get the preferred rates and is almost guaranteed to save when switching.
Consumers who don't qualify for these standards will be charged higher prices which usually ends up with the driver buying from a lower-cost company. The ads state "customers that switch" but not "drivers who get quotes" save that kind of money. That's the way insurance companies can make the claims of big savings. That is why you should get as many quotes as possible. It is impossible to predict which auto insurance company will fit your personal profile best.
Learn more about Louisiana auto insurance
Additional detailed information can be found at the Louisiana Department of Insurance website. Louisiana consumers can read consumer alerts, find out which companies have the most complaints, get help finding coverage, and find disaster information.
And the best car insurance company is...
As you shop your coverage around, never buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to get the best coverage possible at a price you can afford, not the least amount of coverage.
Affordable auto insurance can be sourced online in addition to many Broussard insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance providers do not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.
