Who Has Cheap Car Insurance Quotes for Handicapped Drivers in Louisiana?

When shopping for insurance for drivers with handicaps, one of the many factors that help determine insurance cost is where you normally keep your vehicle in Louisiana. Regions with more people or even just more weather-related claims like New Orleans, Terrytown, and Kenner tend to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims enjoy lower insurance rates.

The information below lists the more expensive cities in Louisiana for handicapped drivers to buy car insurance in.

Table data uses approximated as the specific Louisiana residence address can impact coverage prices noticeably.

Establishing which company offers the best car insurance rates for handicapped drivers will take a bit more effort than just comparing rates from one or two companies.

Each company has a different formula to establish rates, so let’s take a look at the most affordable car insurance companies in Louisiana. It’s important that readers know that Louisiana car insurance rates are determined by lots of factors that can increase the policy price. Turning one year older, buying a home, or getting a reckless driving citation can trigger rate changes resulting in some companies being cheaper than competitors.

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USAA may have some of the most affordable car insurance rates in Louisiana at around $1,594 annually. MetLife, GEICO, Progressive, and Safeway also rank well as some of the most economical Louisiana auto insurance companies.

As the example above demonstrates, if you currently buy coverage from GEICO and switched to USAA, you could realize an annual premium reduction of upwards of $351. Policyholders with Progressive might save as much as $411 a year, and Safeway policyholders might reduce rates by $538 a year.

To compare your rates to other Louisiana insurance companies, click here to get a free quote or click through to the companies below.

Remember that these policy rates are averages across all types of drivers and the different vehicles they drive and and are not calculated with a price discount for handicapped drivers. So the car insurance company that fits your age and vehicle best may not even be included in the above rate chart. That points out the importance of why you need to get rate quotes from many companies using your own specific driver information and vehicle.

The information below shows how choosing a deductible can affect insurance costs when trying to find cheap insurance for handicapped drivers. The costs are based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

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In the chart above, a 50-year-old driver could lower their car insurance rates by $440 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $660 by using a $1,000 deductible. Even younger drivers, like the 20-year-old category, could drop their prices $1,472 every year just by choosing larger deductibles. If you make the decision to raise deductibles, it’s a good idea to have enough in a savings account to enable you to pay the extra out-of-pocket expense, which deters some people from using high deductibles.

Geico, Allstate, State Farm, or Progressive: Which is best?

If you want reliable auto insurance for drivers with handicaps, the companies that insure more vehicles than anyone else are Geico, Allstate, State Farm, and Progressive. If you add them together, they insure almost 50% of all car insurance policies written. All offer liability and physical damage insurance, but each one has unique coverages that add value to each policy. The table below shows ratings and policy coverage options that are available.

Best cheap insurance quotes for drivers with handicaps

Due to technology, there are many ways to buy car insurance in Louisiana, but the most preferred methods are using a captive (or exclusive) agency such as State Farm or Liberty Mutual, a non-exclusive or independent agent, or from a direct company like Progressive or Geico.

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

Independent agents have contracts with many companies and can compare rates with all of them. These types of agencies are not restricted to one company and can give you more rate choices, which can give you a better overall rate comparison. If they find a cheaper price, they simply move your policy to a different company which prevents you from having to find an new insurance agent.

Exclusive agents are usually restricted to one company, for example Allstate or Farmers Insurance agents. These agents usually cannot provide a range of price quotes, so if finding the cheapest car insurance is your goal, you will want to shop around.

The last way is buying direct, which means you do not use local insurance agents and buy direct online or over the phone from a company like Progressive or Esurance. Shopping direct is good for families who have lower risk management needs and have some degree of understanding of how their policy works.

When shopping for car insurance, which way works best to find cheap auto insurance for handicapped drivers in Louisiana? It would be easy to say buying from a direct car insurance company results in the best prices since there is no need to pay agent commissions, but unfortunately, that is not always true. It could also be said buying car insurance from an independent agent guarantees the best prices due to having more companies to select from, but that assumption is also not accurate. In a lot of cases, the exclusive agents have price quotes that are the cheapest in Louisiana.

Due to the large number of rating factors, really the best method to buy the cheapest coverage is to compare rate quotes from as many companies as possible. In a perfect world, youll get price quotes from independent, exclusive, and direct to get an idea of which is cheapest. For a list of companies offering online discounts, click here to view.