How Much are Car Insurance Quotes for Drivers Over Age 60 in Louisiana?

Our editors keep telling us that when writing about auto insurance, the words “cheap” or “affordable” should not appear anywhere to describe car insurance prices. Nonetheless, cheap car insurance for drivers over age 60 is not easy to find. But fear not, because we are going to show you some ways you can still find and buy auto insurance that most people can afford.

Determining which company offers the most affordable auto insurance rates for drivers over age 60 will take more time in order to find coverage that fits your buget. Every insurance company uses different criteria for determining rates, so we’ll go over the auto insurance companies with the overall cheapest rates in Louisiana.

It’s important that readers know that Louisiana auto insurance rates are based on many factors that control the cost of having a policy. Simply having another birthday, filing a claim, or getting a driving violation can cause premium changes that can cause some rates to be more affordable than the competition.

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USAA normally has some of the lowest car insurance rates in Louisiana at around $1,578 per year. MetLife, GEICO, Progressive, and Southern Farm Bureau would also be considered some of the lowest-priced Louisiana insurance companies.

As shown in the rates above, if you currently have a policy with MetLife and switched to USAA, you might see yearly savings of in the vicinity of $314. Customers with GEICO could save as much as $387 a year, and Progressive customers might lower prices by $408 a year.

To find cheap auto insurance for drivers over age 60 in Louisiana, click here to start your free quote or feel free to get quotes from the companies below.

These prices are averaged for all drivers and vehicles and do not take into consideration a rate discount for drivers over age 60. So the insurer that can offer the best rates for your situation may not even be included in the above list. That illustrates why you need to compare prices as often as possible using your own specific driver and vehicle information.

The vehicle model that is being insured is one of the primary factors when quoting cheap auto insurance for drivers over age 60 in Louisiana. Vehicles with high performance engines, poor crash test ratings, or a history of substantial liability claims will cost significantly more to insure than safer, lower-performance models.

The next table ranks car insurance premiums for a handful of the cheaper vehicles to insure.

Above prices assume single male driver age 60, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Rate quotes do not factor in garaging location in Louisiana which can change auto insurance rates significantly.

By looking at the data, models like the Honda CR-V, Chevrolet Traverse, and Ford Escape should be some of the more affordable vehicles to insure for older drivers.

For Louisiana drivers, one of the factors that determine insurance cost is where you keep your car in Louisiana. More densely populated places like New Orleans, Marrero, and Kenner tend to have higher rates, whereas more rural areas have the benefit of cheaper auto insurance prices.

The illustration below sorts the more expensive cities in Louisiana for drivers over age 60 to buy an auto insurance policy in.

Prices are estimated as the specific garaging location can alter coverage prices greatly.

Louisiana auto insurance companies ranked

Buying coverage from the right company can be a challenge considering how many companies provide coverage in Louisiana. The company ratings listed below may help you choose which companies to look at when trying to find the cheapest insurance for drivers over age 60.

The ratings below include companies with a national presence, so companies that only write business in Louisiana or surrounding areas are not taken into consideration for these rankings. If you wish to compare prices from these and other competitive companies, follow this link.

Company comparison: Geico vs State Farm vs Allstate vs Progressive

When comparing auto insurance for older drivers, the first places to look would be Geico, State Farm, Allstate, and Progressive. They all offer your standard coverages, but each one has a different combination of discounts, features, and options that may steer you one way or another. The data below ranks price, claims, and customer service ratings, as well as some optional coverages offered by each company.

How to find economical auto insurance for drivers over age 60

Here are a few money-saving ideas that can help you find lower-cost coverage.

• Violations like speeding or DUI increase rates
• Accident-free drivers may qualify for discounts
• Drive a car with a high safety rating
• Do not pay for comprehensive and collision coverage on older vehicles
• Buying car and homeowners insurance together can save money
• Too many claims can make car insurance unaffordable
• Ensure you have the best deal by shopping around regularly

The last item on the list is extremely critical, as we noted in the article above. Auto insurance prices vary greatly, so don’t be unwilling to buy a policy from a new company if a lower price can be found. Having a favorite company is fine, but we do not recommend it if that devotedness results in you overpaying thousands of dollars over several years. Now is a great time to compare rates and find cheaper car insurance for drivers over age 60.

Who has the cheapest insurance quotes for older drivers?

Thanks to technology, drivers have a lot of ways to find cheaper auto insurance in Louisiana, but the most common methods are through an independent insurance agent, an exclusive agency like State Farm or Allstate, or from a direct company like Progressive.

They all have the same basic principle, but each is slightly different in how they function.

Independent insurance agencies write for multiple companies and can compare coverage rates with each one. Independent agents can sell policies from many different companies and can compare multiple rates, which can help you get a better comparison. If they find a cheaper price, the business is moved internally and you stay with the same agent.

A captive, or exclusive, agent is usually just provide rates from one company, examples being State Farm and Auto-Owners agents. Exclusive agencies are unable to shop your coverage around, so it’s a good idea to shop around.

When you buy auto insurance direct, you do not use an exlusive or independent agent and instead buy from a direct company like Progressive or Esurance. This option may be the best choice consumers who have lower risk management needs and have a decent understanding of what is covered and what is not.

So which of the methods works best to find cheap auto insurance for drivers over age 60 in Louisiana? We would first guess that shopping direct saves money because there are no middleman commissions, but that turns out to not be true. A valid argument could also be made that buying auto insurance from an independent agent saves the most money since they can quote with many companies, but that assumption is also not necessarily accurate. And often times, exclusive agencies have price quotes that are the cheapest in Louisiana.

Since auto insurance prices vary so much, the guaranteed way to ensure you are not overpaying for auto insurance is to get quotes and compare the rates. Industry experts recommend getting quotes from all three to get a good idea who is cheapest. For a list of companies with some of the cheapest Louisiana auto insurance rates, click here to view.