Who Has Cheap Insurance Quotes for Ride Shares in Louisiana?

For Louisiana drivers, one of the factors that is looked at to determine the amount you pay for auto insurance is your address in Louisiana. Areas that are more densely populated like New Orleans, Terrytown, and Kenner tend to have more expensive auto insurance rates, whereas more rural areas benefit from having to pay less for coverage.

The information below illustrates the priciest cities in Louisiana to purchase car insurance in.

Rate quotes are estimated as specific Louisiana garaging address can modify prices substantially.

The vehicle to be insured is probably the most important factor in finding the best coverage . Vehicles with lower acceleration and performance, an excellent safety record, or a low likelihood of having liability claims will cost much less to insure than adrenaline junky models.

The information below showcases coverage premiums for a number of the cheaper automobiles to insure.

Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Information does not factor in the specific area where the vehicle is garaged which can raise or lower prices considerably.

Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Price information does not factor in specific Louisiana garaging location which can revise price quotes greatly.

Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Premium amounts do not factor in specific Louisiana garaging location which can affect premium rates greatly.

Get discount Louisiana auto insurance

Insurance companies that sell cheap insurance in Louisiana may also give you discounts that could potentially reduce rates by 30% or more if you meet the requirements. Large auto insurance companies and their possible discounts are:

• State Farm offers discounts including driver’s education, defensive driving training, accident-free, Drive Safe & Save, and multiple policy.
• American Family may offer discounts for air bags, good driver, accident-free, good student, and bundled insurance.
• AAA has discounts for multi-car, education and occupation, good student, AAA membership discount, multi-policy, and anti-theft.
• GEICO may have discounts that include seat belt use, air bags, anti-theft, anti-lock brakes, driver training, defensive driver, and multi-policy.
• Mercury Insurance offers premium reductions for ease of repair, multi-car, good driver, location of vehicle, and professional/association.
• Farmers Insurance policyholders can earn discounts including business and professional, mature driver, early shopping, pay in full, and homeowner.
• Progressive offers discounts for homeowner, online quote discount, continuous coverage, good student, online signing, multi-policy, and multi-vehicle.

The example below illustrates the difference between auto insurance rates with and without discounts applied to the policy rates. The price estimates are based on a male driver, no claims or violations, Louisiana state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with vehicle safety, defensive driving course, safe-driver, multiple vehicle, multiple policy, and claim-free discounts applied. When drivers take advantage of discounts, the average amount saved each year on auto insurance is 28% or $991.

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The illustration below demonstrates how deductible levels can increase or decrease insurance costs when getting quotes for cheap insurance . The costs are based on a married male driver, full coverage, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 5293,4821,4307,3821],[‘Age 30’, 2741,2497,2217,1949],[‘Age 40’, 2633,2407,2151,1905],[‘Age 50’, 2409,2203,1969,1749],[‘Age 60’, 2369,2167,1937,1721],[‘Age 70’, 2735,2513,2269,2037]]);var options = {title: ‘Deductible Levels and Insurance Premiums in Louisiana’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

In the chart above, a 40-year-old driver could lower their policy premium by $440 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $660 by selecting a $1,000 deductible. Even younger insureds, such as the 20-year-old example, could shave as much as $1,472 or even more by choosing a larger deductible amount. When using a larger deductible, it is a good idea to have additional funds in a savings account to enable you to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Who is cheaper: State Farm, Allstate, Geico, or Progressive?

When comparing car insurance , four companies you’ll want quotes from are State Farm, Allstate, Geico, and Progressive. Between them, they make up over 45% of all auto insurance written. The data below ranks some of the ratings and options that are available.

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Who has the cheapest insurance quotes ?

Thanks to technology, there are a lot of ways to find cheap auto insurance in Louisiana, but the most preferred are through an independent agent, a captive (or exclusive) agent such as Allstate or Auto-Owners, or direct either online or via phone.

Each way has the same basic process, but buyers need to know the differences in how they provide price quotes.

Independent insurance agencies have contracts with many companies and can get policy pricing from all of them. These types of agents have the option to compare multiple rates, which may provide you with a better overall rate comparison. If you want to switch companies, you can get a different policy and you do not have to find a new agent.

A captive or exclusive agent is ‘exlusive’ to one insurance company like Farmers Insurance or State Farm agents. This type of agents cannot give you multiple price quotes, so it’s a take it or leave it situation.

The third popular method of shopping for auto insurance is direct, which means you do not use the middleman (the agent) and buy from a direct company like Esurance or Progressive. This option may be a decent choice families who do not need advice for asset protection and have an above average understanding of how auto insurance works.

So which one of the three ways works best to find cheap insurance in Louisiana? The obvious answer would be shopping direct results in the cheapest price because there is no agent involved, but in reality, that is not the case. It could also be said going through an independent agent results in the cheapest rates because you have more choices, but again, it’s not a sure thing. And sometimes, the exclusive agents have price quotes that independents and direct companies can’t touch.

Because there are so many factors that make up auto insurance rates, the one way to get rock-bottom rates is to get quotes and compare. It’s recommended that drivers get rate quotes from all three in order to have the best selection to choose from. To see some of the cheapest online companies available, click here to view.