Best Cheap Auto Insurance Quotes for Immigrants in Louisiana

The vehicle model on the policy is probably the most important factor when trying to find cheaper coverage for immigrants. Vehicles with lots of speed or power, a lack of advanced safety features, or a track record of large liability claims will cost more to insure than more economical and safe models. The next table features car insurance rates for the most budget-friendly vehicles to buy coverage for.

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Estimates do not factor in vehicle garaging location which can change coverage rates considerably.

Based upon these rates, models like the Chevrolet Traverse, Honda Odyssey, Subaru Outback, and Ford Edge are most likely going to be the cheapest vehicles to insure for foreigners.

For foreigners, one of the more important components used to determine auto insurance rates is where you keep your vehicle in Louisiana. Areas with high crime rates or more dense population like New Orleans, Terrytown, and Metairie likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower rates.

The following table ranks the priciest cities in Louisiana for immigrants in which to purchase auto insurance.

Premium costs are estimated as the specific area where the vehicle is garaged can increase or decrease insurance rates greatly.

Finding a highly-rated insurance company can be difficult considering how many choices you have in Louisiana. The ranking information in the next section may help you pick which companies to look at when shopping your coverage around.

These rankings are for companies with a nationwide focus, so smaller companies are not factored into these rankings. To view rates and find cheaper insurance for immigrants, just click here.

Top 10 Large Auto Insurance Companies in Louisiana Ranked by Customer Service

1. USAA
2. Safeco Insurance
3. AAA Insurance
4. State Farm
5. Progressive
6. The Hartford
7. The General
8. Esurance
9. GEICO
10. Liberty Mutual

Is the best company Geico, Progressive, Allstate, or State Farm?

When comparing car insurance for foreigners in Louisiana, the most popular companies are Geico, Progressive, Allstate, and State Farm. All four offer physical damage and liability coverage, but each has different features and discounts that shoppers can choose from. The following table compares and contrasts ratings for price, service, and claims, in additional to some of the optional coverages offered by each company.

Best cheap insurance quotes for foreigners

Due to technology, there are many ways to find affordable auto insurance in Louisiana, but the most prevalent ways are using an exclusive insurance agent such as Auto-Owners or State Farm, an independent insurance agent, or from a direct company like Progressive. They all follow the same basic process, but buyers should know the differences in how they provide rate quotes.

Independent insurance agencies can place your business with multiple companies and can get rate quotes from each one. These agents have the option to provide you with more rate quotes, which can give you the best chance of saving money. If prices rise, they simply move your policy to a different company without you having to go to a different agency.

An exclusive ageny is only able to give prices for a single company, for example a State Farm or Allstate agent. These agents normally cannot provide rate quotes from other companies, so if their pricing is high, there is no alternative.

Buying auto insurance direct means you forego local agents and instead buy direct from companies such as Progressive or Esurance. Shopping for auto insurance direct can be a good choice for consumers who have limited assets and know what specific coverages and deductibles they need.

Which way is best for finding the best cheap auto insurance for immigrants in Louisiana? One answer would be buying direct saves the most money since that prevents the need to pay agent commissions, but unfortunately, that is not always true. And we’d like to say buying from an independent agent guarantees the best prices due to more options, but that assumption is also not accurate. In many cases, exclusive agencies have very competitive rates that other auto insurance companies cannot touch.

Because there is so much variation in auto insurance prices, really the only way to buy the cheapest policy is to obtain price quotes and compare them. Experts recommend getting price quotes all three ways in order to be able to find the lowest price. For a list of companies offering online discounts, click here to view.

How to find the cheapest insurance for immigrants

The list below details some of the better thrifty suggestions that can help drivers get low-cost coverage.

• Just one traffic violation will increase your rates
• Drive attentively and avoid accidents
• Higher credit ratings may save you money
• Choose a safer vehicle and pay lower rates
• Raise deductibles to save money
• Full coverage is expensive so only insure older vehicles for liability only
• Compare rates regularly and switch companies to save money

That last piece of advice is incredibly crucial, as we emphasized in the prior information. Insurance rates go up and down frequently, so drivers shouldn’t hesitate to buy from a new company if a lower-cost policy is available. Staying with the same car insurance company is fine, but it’s not a great idea if your bullheadedness ends up costing you lots of hard earned cash every month. It only take a few minutes to compare prices to find cheaper insurance for immigrants.