Cheapest Auto Insurance Quotes for Teachers in Louisiana

I’m sure you’ve seen the commercials from car insurance companies like GEICO, Allstate, and The General that make promises of enormous savings. So drivers should just pick the one with the best commercial, right?

It’s just not that easy, however, as there are many unknown factors like if you are a homeowner or renter, the level of liability coverage you want, whether you are female or male, and citations or tickets, that all go into determining the rate you pay. If you keep reading, we will teach you about some of these criteria and should give you a good beginning to your quest for cheaper car insurance.

One of the more important things that auto insurance companies use to calculate car insurance rates is where you live in Louisiana. Areas that are more densely populated or have higher claim rates like New Orleans, Terrytown, and Metairie tend to have higher rates, whereas cities that are not as densely populated have the luxury of the cheapest car insurance for teachers in Louisiana.

The next table displays the most expensive areas in Louisiana for teachers to buy car insurance in.

Information shown are estimated as the specific area where the vehicle is garaged can alter auto insurance rates greatly.

Trying to find low-priced car insurance is not always easy, and figuring out which insurers offer the cheapest auto insurance rates for teachers takes a bit more work. Coverage rates will probably be somewhat lower than the average price in Louisiana, with the lower price attributed to the reduced risk related to offering insurance for teachers and educators. Cost-effective insurance should be easily found from many insurance companies.

Each insurer has their own guidelines for determining prices, so let’s begin by taking a look at the auto insurance companies with the overall cheapest rates in Louisiana. It’s important to know that Louisiana auto insurance rates are based on many factors which can substantially change the price of coverage. Simply improving your credit, buying higher coverage limits, or having an accident may cause policy rate changes that can cause some rates to be higher when they were quite affordable.

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USAA normally has some of the lowest car insurance rates in Louisiana at around $1,642 a year. MetLife, Progressive, GEICO, and Safeway also are some of the best Louisiana insurance companies.

In this example, if you currently buy coverage from GEICO and switched to USAA, you may realize an annual savings of in the neighborhood of $323. Louisiana drivers with Safeway could save as much as $490 a year, and Southern Farm Bureau insureds might cut rates by $606 a year.

It’s important to note that these prices are averaged for all types of drivers and the different vehicles they drive and and are not figured with a price decrease for teachers. So the insurer that is best for you may not even be shown in the rate chart shown above. That emphasizes why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.

The make and model of vehicle you are seeking coverage for is one of the main factors when looking for the cheapest car insurance for teachers in Louisiana. Vehicles with economical engines, excellent safety ratings, or a positive history of liability claims will cost much less to insure than high performance models. The next lists presents car insurance rates for a number of the more afforable vehicles to insure.

Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Estimates do not factor in specific location information which can alter premiums substantially.

Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Premium costs do not factor in specific Louisiana garaging location which can increase or decrease auto insurance rates significantly.

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 multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Rate quotes do not factor in specific Louisiana garaging location which can influence premium rates greatly.

Discounts on the cheapest car insurance for teachers in Louisiana

Insurance providers that offer cheap quotes for teachers could also offer price discounts that may potentially lower prices by as much as 30% if you meet eligibility requirements. Popular auto insurance companies and some of the discounts can be found below.

• GEICO policyholders can earn discounts including defensive driver, membership and employees, seat belt use, good student, and anti-theft.
• MetLife has savings for good student, good driver, defensive driver, accident-free, multi-policy, claim-free
• State Farm may include discounts for safe vehicle, Drive Safe & Save, accident-free, defensive driving training, good student, passive restraint, and anti-theft.
• Progressive offers discounts including multi-policy, multi-vehicle, online signing, good student, homeowner, continuous coverage, and online quote discount.
• Mercury Insurance offers discounts for multi-car, annual mileage, type of vehicle, location of vehicle, and ease of repair.
• 21st Century may offer discounts for driver training, anti-lock brakes, homeowners, early bird, teen driver, defensive driver, and theft prevention.
• Allstate offers premium reductions for new car, anti-lock brakes, passive restraint, safe driver, and farm vehicle.

The information below compares insurance rates with and without some available policy discounts. The price estimates are based on a male driver, no claims, a clean driving record, Louisiana state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with accident-free, defensive driving course, passive restraint, homeowner, marriage, and claim-free discounts applied. When drivers take advantage of discounts, the the average yearly reduction on auto insurance for teachers is 28% or $607.

The information below demonstrates how choosing different deductibles can affect insurance costs when researching cheap insurance for teachers. Data assumes a married male driver, comp and collision included, and no discounts are applied.

The data above shows that a 50-year-old driver could pocket $452 a year by increasing from a $100 deductible up to a $500 deductible, or save $680 by changing to a $1,000 deductible. Youthful drivers, like the Age 20 category, could save $1,510 or more by choosing larger deductibles on their policy.

If you do decide to increase your deductibles, it is necessary to have additional funds squirreled away to satisfy the extra out-of-pocket expense that deters many people from opting for higher deductibles.

How to find more affordable auto insurance for teachers

The list below details some of the better money-saving ideas that can help you locate low-cost auto insurance.

• Speeding tickets and other violations increase rates
• Drive vehicles with five-star safety ratings
• Pay lower rates with good credit
• Drive attentively and avoid accidents
• Raise deductibles to save money
• Compare rates often to find the best deal

The last suggestion is remarkably necessary, as was stressed in the prior information. Prices go up and down frequently, so drivers shouldn’t hesitate to buy from a different company if you can save money.

Staying with the same company for years is fine, but it’s not a great idea if that devotedness results in you overpaying money that could be spent on other things. Take a couple minutes and compare prices to find cheaper car insurance for teachers.