How To Get The Best Rates On Automobile Insurance In Louisiana
Article by Alexis Jensen
Louisiana is one of the strictest states when it comes to having automobile insurance. Driving without insurance will get you in so much trouble that you simply don’t want to even consider it.
Instead, let’s look for ways to drive down the cost of your automobile insurance each and every month. That way you’ll never have to even consider driving without automobile insurance in Louisiana.
Pay your premiums automatically each month. If you set up an auto-pay plan you will save money.
Park your car in a garage at night. That will also save you money.
Don’t modify your car to go faster. Any such modifications will cost you big time.
Ask your agent if a steering wheel locking device will save you money and ask about any other simple and low-cost anti-theft devices that could save you money.
Join a carpool at work or start one if there isn’t one already. A large part of your monthly premium is based on the number of miles that you drive getting to and from work every day. If you can cut the number of rush-hour miles that you drive in half you will save quite a bit on your insurance.
If you retire and you’re no longer drive to work at all, let your agent know as this will save you even more.
Can you use public transportation more and leave your car at home? If you can reduce your driving down to less than 500 miles a month you just may qualify for a substantial Low Mileage Discount.
Under 25 years of age? Stay in school and work hard to get good grades. If you can keep at least a “B” average you should qualify for a hefty Good Student Discount.
Drivers who are over 55 may be able to save money by taking a special driver’s refresher course. Ask your agent if your company participates in that program.
Don’t get any negative marks on your driving record. Make an effort not to get any speeding tickets or other moving violations. And whatever you do don’t get a DUI or a DWI on your record – if you do you won’t get the best rates on automobile insurance in Louisiana or anywhere else for at least 3 long years.
Increase your deductible if you can afford to do so. Increasing your deductible will definitely lower your monthly automobile insurance rate, but it also means that you have to pay more any time you file a claim – so don’t make monetary promises you can’t keep.
You’ll also save money if you buy your automobile insurance online. A lot of people make the mistake of just looking at one of the automobile price comparison websites. If you do that you’ll only see the rates from a handful of companies. If you want to see the rates from all of the insurance companies in Louisiana then you’ll have to check out at least 3 of the comparison sites.
Use the information you have gathered from this article and fill out the forms exactly the same on all three sites so that you are comparing the same policy each time.
Then simply pick the lowest-priced policy and you’re done! This is how to get the best rates on automobile insurance in Louisiana.
About the Author
My recommended sites here: Best Rates on Automobile Insurance in Louisiana Cheap Health Insurance Online.
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