How To Get The Best Rates On Car Insurance In Louisiana

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How To Get The Best Rates On Car Insurance In Louisiana - By: Alexis Jensen, Posted on: 2008-03-26

Almost every driver in Louisiana is looking for the best rates on car insurance. If you're one of them then you've come to the right place. Believe it or not there are specific things which almost any driver can do that will result in lower car insurance rates.

Let's start with something simple. Pay your premium each month automatically out of your checking account. Automatic payments save your insurance company money and they pass the savings on to you.

Keep your car in a garage at night. Garaging your car will save you money each and every month.

Join a carpool at work. If there isn't a carpool already, start one. A large part of your monthly premium is based on the number of miles you drive every day in rush hour traffic to get back and forth to work. If you can cut that number of miles in half every month you will save a great deal on your insurance.

If you retire let your agent know. If you are no longer driving to and from work every day you will save even more.

Can you use public transportation for the bulk of your "driving" every month? If you can leave your car at home and cut your driving down to under 500 miles per month you just may qualify for a rather hefty Low Mileage Discount.

If you're under 25 stay in school and work hard. Students who maintain at least a 3.0 grade average can qualify for a Good Student Discount.

Don't pay for collision and comprehensive insurance if your car has little or no Kelly Blue Book value left in it.

Keep your driving nose clean. That means don't get any speeding tickets or other moving violations and whatever you do don't get a DUI or a DWI on your driving record or you won't see the best rates on car insurance in Louisiana or anywhere else for at least 3 years.

Ask your agent if you could save money every month by purchasing a simple steering wheel locking device. Your agent may have suggestions for other simple and inexpensive anti-theft devices that could save you money month after month on your car insurance.

You could increase your deductible. Increasing your deductible is one of the quickest and easiest ways of reducing the monthly cost of your car insurance. The downside is that if you have a claim you'll be asked to come up with the deductible out of your own purse or pocket so you have to consider carefully how much of a deductible you can really afford.

Buy your car insurance online. Don't just look at one car insurance price comparison website. If you really want to be sure that you are savings as much money as possible and getting the best rates on car insurance in Louisiana then you'll need to check out the prices on a minimum of 3 different sites.

You'll also need to use the exact same answers every time you fill out a form on one of the sites so that you will be comparing the same car insurance policy across all three sites.

But once you've made your price comparisons the rest is easy - just pick the best price you find. As simple as it seems, this really is how to get the best rates on car insurance in Louisiana and guarantee that you'll save money month after month, year after year.

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