Cheapest Car Insurance Quotes for Active Military in Louisiana

I’m sure you’ve seen the ads from car insurance companies like Liberty Mutual, Progressive, and Farmers that make claims of the cheapest rates, so drivers should just select the one with the best jingle, right?

Unfortunately, it’s not that simple as there are many unknowns like when you were born, your financial responsibility, whether you are married, and if you have a tendency to get into accidents, that all factor into the price you pay. If you keep reading, we will teach you about the best ways to avoid high prices and should give you a good start to your coverage search.

Comparing quotes for cost effective insurance is not always easy, and figuring out which companies quote the cheapest auto insurance rates for active military will require even more shopping around. Insurance prices will most likely be somewhat lower than the average price in Louisiana because of the potentially lower risk associated with selling insurance for military personnel. Cost-effective coverage should be achievable without having to search too hard.
Each auto insurance company has their own process to set premium rates, so we’ll go over the most budget-friendly auto insurance companies in Louisiana.

It’s important to know that Louisiana auto insurance rates are calculated based on many things which can significantly increase or decrease the price of your policy. This price variability is why it is critical to compare rates to get the most economical car insurance quotes for active military. Prices are influenced by many factors and change dramatically, so the most economical option when you bought your policy may now cost much more than other companies.

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USAA may have some of the most affordable car insurance rates in Louisiana at around $1,626 per year. MetLife, GEICO, Progressive, and Safeway would also make the list of some of the cheaper Louisiana auto insurance companies.

In the above rates, if you currently have coverage with Progressive and switched to USAA, you might see a yearly savings of in the vicinity of $320. Customers with Safeway could save as much as $506 a year, and Southern Farm Bureau policyholders might realize rate reductions of up to $555 a year.

To find out how your current rates compare, click here to begin a quote or quote prices from the following companies.

Be aware that those policy prices are averaged for all insureds and vehicles and do not take into consideration a price discount for active military. So the car insurance company that is best for you may not even be in the list of companies shown earlier. That is why you need to get rate quotes using your own driver data and vehicle information.

The model of vehicle on the policy is a large consideration that determines the availablility of the cheapest auto insurance for active military in Louisiana. Vehicles with economical engines, modern passenger safety features, or a positive history of liability claims will cost substantially less to insure than fast, unsafe models. The information below ranks insurance costs for some of the most budget-friendly vehicles to insure in Louisiana.

Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Rate quotes do not factor in the specific area where the vehicle is garaged which can raise or lower price quotes significantly.

Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rates do not factor in vehicle garaging location which can increase or decrease prices considerably.

Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Information does not factor in garaging location in Louisiana which can raise or lower prices considerably.

When shopping for insurance for military personnel, one of the many factors that insurance companies use when figuring car insurance rates is your zip code. Urban areas that are densely populated like New Orleans, Marrero, and Kenner are more likely to pay higher prices, whereas areas that are not as densely populated benefit from having to pay less for coverage.

The information below rates the most expensive cities in Louisiana for active military in which to purchase auto insurance.

Premium amounts are approximated as the specific area where the vehicle is garaged can decrease or increase coverage rates significantly.

Discounts on Louisiana insurance

Insurance providers that offer the cheapest auto insurance for active military in Louisiana may have discounts that can reduce rates by 35% or more if you meet the requirements. A list of companies and a summarized list of policyholder discounts are:

The illustration below shows the comparison of yearly insurance costs with and without discounts applied to the rates. The costs are based on a female driver, no driving violations, no at-fault accidents, Louisiana state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with vehicle safety, marriage, homeowner, multiple policy, defensive driving course, and anti-theft discounts applied. When discounts are factored in, the the average yearly reduction on auto insurance for active military is 13% or $185.

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How to find economical car insurance for active military

The list below details some penny-pinching ideas that can help drivers buy lower-cost coverage.

• Raise your physical damage coverage deductibles
• Save money by staying claim-free
• Do not pay for full coverage on older vehicles
• Just one traffic violation will increase your rates
• Staying accident-free helps keep rates low
• Compare rates often to find the best deal

The last item on the list is especially critical, as was noted in the prior article. Car insurance rates can change significantly in a year, so don’t be afraid to change to a new company if you can save money.

Staying with the same company for years is fine, but it’s not recommended if that dedication is costing lots of hard earned cash every month. Take a couple minutes and shop around to find cheaper auto insurance for active military.

Cheapest insurance quotes for military personnel

There are a variety of different ways to quote and buy auto insurance in Louisiana, but the most popular methods are using a captive (or exclusive) agency like Liberty Mutual or State Farm, a non-exclusive or independent agent, or buying direct from a company like Geico or Progressive.

Each way has the same basic steps, but shoppers should understand the differences in how they function.

Independent insurance agencies write business for many companies and can quote your policy with all of them. They have the option to get prices from more than one company, which can give you a better overall rate comparison. If they find a cheaper price, you can get a different policy which prevents you from having to switch agents.

An agent who is captive is limited to just one company, a couple examples are Liberty Mutual and Allstate agents. This type of agents cannot compare other company’s rates, so if the price isn’t competitive there isn’t much they can do.

The last way is buying direct, which means you do not use an independent or exclusive agent and instead buy direct from companies such as Esurance or Geico. This auto insurance option may be good for families who do not need advice for asset protection and have a good understanding of how their policy works.

So which one of the three ways works best to buy the cheapest auto insurance for active military in Louisiana? One answer would be buying from a direct company yields the cheapest rates because there isn’t an agent involved, but that is generally not the case. A valid argument could also be made that going through an independent agent saves the most money since they can provide multiple quotes, but that’s not always true, either. For the right applicant, exclusive agents have very competitive rates that are the cheapest.

Due to that fact that auto insurance uses so many rating variables, really the best method to ensure you are not overpaying for auto insurance is to do a thorough rate comparison. If time allows, get price quotes all three ways to have enough rates to compare. We compiled a list of companies with some of the cheapest online rates that you can click here to view.