How Much are Auto Insurance Quotes for Infrequent Drivers in Louisiana?

Our editors always tell us that when writing about auto insurance, the words “affordable” or “cheap” really shouldn’t be used anywhere in the article as a descriptor for car insurance rates. Regardless, cheap auto insurance for infrequent drivers is almost non-existent. Don’t let that discourage you, because we will tell you how you can quote auto insurance that you can afford to pay for.

Finding reliable, cheap car insurance is not always easy, and figuring out which company quotes the cheapest car insurance rates for infrequent drivers involves even more work.

Every auto insurer has a unique approach for determining prices, so let’s take a look at the car insurance companies with the most affordable rates in Louisiana. It’s a good idea to know that Louisiana car insurance rates are calculated based on many things which can substantially decrease or increase the cost of your policy. Simply improving your credit score, becoming a homeowner, or getting a driving violation may generate price changes resulting in some rates now being more affordable than others.

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USAA may offer some of the lowest car insurance rates in Louisiana at around $1,626 a year. MetLife, GEICO, Progressive, and Safeway also are some of the best Louisiana car insurance companies.

As the rates illustrate above, if you are currently insured with Safeway and switched to MetLife, you may see an annual premium reduction of approxmiately $300. Customers with Southern Farm Bureau could save as much as $417 a year, and California Casualty customers might realize rate reductions of up to $484 a year.

To find cheap insurance for infrequent drivers in Louisiana for your vehicle, click here or quote prices from the following companies.

These policy rates are averaged across all types of drivers and the different vehicles they drive and and are not figured with a rate discount for infrequent drivers. So the auto insurance company that is most affordable for your situation may not even be in the company chart above. That emphasizes why you need to get auto insurance quotes using your own driver and vehicle profiles.

The vehicle model you are insuring is one of the biggest factors when comparison shopping for cheap insurance for infrequent drivers in Louisiana. Vehicles with higher performance, a lack of modern safety features, or a track record of large liability claims will cost more to insure than more economical and safe models.

The table below outlines car insurance costs for a handful of the most economical vehicles to insure in Louisiana.

Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Louisiana minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Estimates do not factor in zip code location which can increase or decrease coverage rates greatly.

Looking at the data, you can conclude that vehicles like the Ford Escape, Chevrolet Traverse, Jeep Wrangler, Hyundai Tucson, and Honda CR-V are likely to be the cheaper vehicles to insure for low mileage drivers.

The illustration below demonstrates how choosing different deductibles can raise or lower annual premium costs when trying to find cheap insurance for infrequent drivers. The premium estimates are based on a married female driver, comprehensive and collision coverage, and no other discounts are factored in.

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As shown above, a 30-year-old driver could cut expenses by $442 a year by changing from a $100 deductible to a $500 deductible, or save $666 by choosing a $1,000 deductible. Youthful drivers, like the 20-year-old example, could possibly save $942 annually by choosing a larger deductible amount. When insureds make the decision to increase the deductibles on their policy, it is necessary to have plenty of savings on hand to enable you to cover the extra out-of-pocket expense that is associated with using high deductibles.

Cheapest insurance quotes for low mileage drivers

There are many ways to find affordable car insurance in Louisiana, but the most popular are from an independent insurance agent, an exlusive agent such as Allstate or Auto-Owners, or from a direct company like Geico.

All three ways are similar, but buyers need to know the differences in how they provide price quotes.

Independent agents are appointed by several companies and can provide price quotes from each one. They are appointed with more than one company and can provide you with more rate quotes, which may provide you with better odds of saving money. If cheaper coverage is found, your agent can just switch to a different company and you stay with the same agent.

An exclusive agent is only able to give rates for one company, a couple examples are an Auto-Owners or State Farm agent. They generally cannot quote rates from more than one company, which necessitates shopping around.

The third popular method of shopping for car insurance is direct, which means you bypass a local agent and instead shop from a direct company like Geico or Esurance. This car insurance option can be good for families who do not need advice for asset protection and have a decent understanding of what car insurance covers and what it doesn’t.

Out of those three methods, which one works best to find cheap insurance for infrequent drivers in Louisiana? We’d like to tell you buying from a direct company saves the most money since that eliminates agent commissions, but unfortunately, that is not the case. It could also be said buying from an independent agent can save the most money since they have access to many companies, but again, that’s not a true statement. And often times, exclusive agents have coverage prices that are well below what direct and independents offer.

Since car insurance companies use so many rating factors, the guaranteed way to get the lowest rate is to get as many comparison quotes as possible. Take some time and get quotes from all three to have the best rate selection. A great place to start is our list of online companies offering discounts: click here to view.

How to find budget-friendly auto insurance for infrequent drivers

It’s not impossible to find cheaper rates, and here are many money-saving ideas that can help Louisiana drivers quote cheaper coverage.

• Bundle home or renters insurance to earn a discount on car insurance
• Full coverage is expensive so only insure older vehicles for liability only
• Do not file small claims
• Good credit can save money
• Increase your policy deductibles
• Vehicles with good safety ratings have lower liability rates
• Compare rates and switch if you can find a better deal

The final tip is remarkably crucial, as we hit on in the prior article. Rates in Louisiana fluctuate constantly, so don’t be tentative to change to a new company if a more affordable price is available.

Brand loyalty is not necessarily bad, but it’s not a great idea if that devotedness results in you overpaying lots of money. If you have a few minutes, shop around and find cheaper insurance for infrequent drivers.