Easy Methods to Pay Less on Sulphur, LA Auto Insurance

Tired of being strong-armed to pay your car insurance bill each month? You are no different than many other Louisiana drivers. Because there are so many online and local companies to choose from, it is very difficult to locate the lowest price insurer.

Smart consumers take time to check auto insurance prices periodically since rates fluctuate regularly. Even if you think you had the best price on your last policy you can probably find a lower rate today. There is a lot of bad information regarding auto insurance online, so with this article, you’re going to get some great ideas on how to buy auto insurance cheaper.

These discounts can lower your rates

Insuring your fleet can be pricey, but there could be available discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time of quoting, but a few must be specifically requested before being credited. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts up to age 25.
Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of 20% or more.
Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase life insurance from them.
Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
Military Rewards – Being on active duty in the military may qualify for rate reductions.
Sign Online – A handful of insurance companies will give a small break for buying your policy digitally online.
Seat Belts Save more than Lives – Requiring all passengers to use their safety belts can save up to 15% off your medical payments premium.
Early Signing – Select companies give a discount for switching policies before your current policy expires. This can save 10% or more.

It’s important to understand that some credits don’t apply to the overall cost of the policy. Most only reduce specific coverage prices like medical payments or collision. Even though it may seem like adding up those discounts means a free policy, you’re out of luck. But any discount will cut the amount you have to pay.

For a list of insurers who offer auto insurance discounts in Sulphur, follow this link.

How to Compare Sulphur Auto Insurance Costs

There are multiple methods you can shop for auto insurance and some are less labor-intensive and much quicker. You can spend countless hours discussing policy coverages with agents in Sulphur, or you could save time and use the web to get rate comparisons in just a few minutes.

Most car insurance companies take part in a program where insurance shoppers complete one form, and each participating company can provide price quotes for coverage. This eliminates the need for quotation requests for each company.

To find out what other companies charge click here to start a free quote.

The one downside to comparing rates this way is you don’t know exactly which carriers you want pricing from. If you wish to select from a list of companies for rate comparison, we have a page of low cost auto insurance companies in Louisiana. Click to view list.

Which method you use is up to you, but ensure you’re using the exact same coverages and limits for every quote you compare. If you use mixed coverages you will not be able to make a fair comparison in Sulphur.

Educated Consumers Know How to Buy Auto Insurance Cheaper

Consumers need to have an understanding of the rating factors that play a part in calculating the rates you pay for auto insurance. Understanding what influences your rates empowers consumers to make smart changes that will entitle you to lower auto insurance prices.

Shown below are some of the items used by your company to calculate prices.

Extra coverages can waste money – There are a lot of extra coverages that can waste your money if you aren’t careful. Insurance for personal injury protection, accident forgiveness and membership fees may be wasting your money. They may seem good when talking to your agent, but your needs may have changed so eliminate the coverages to reduce your premium.
More claims means more premium – If you tend to file frequent claims, you can look forward to either higher rates or even cancellation. Insurance companies in Louisiana provide better rates to insureds who file claims infrequently. Car insurance is meant to be used in the event of larger claims.
Adjust deductibles and save – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims would be colliding with a building, damage from fire, and burglary. Physical damage deductibles are how much you are required to spend if you file a covered claim. The more money you have to pay, the less your auto insurance will be.
Are you male or female? – Statistics show that women are safer drivers than men. However, don’t assume that men are worse drivers. Both sexes are in accidents at a similar rate, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get cited for more serious violations such as reckless driving.
Consolidate policies to earn discounts – Many companies provide better rates to policyholders who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, it’s in your best interest to compare rates to make sure you are getting the best deal.

How much car insurance do I need?

When it comes to buying coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that might help in determining whether you could use an agent’s help.

What if I don’t agree with a claim settlement offer?
Can I get a multi-policy discount for packaging my home and auto coverage?
Does coverage extend to a rental car in a foreign country?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Am I covered when delivering products for my home-based business?
Does my vehicle need full coverage?
Who is covered by my policy?
Do I need roadside assistance coverage?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Don’t I need to talk to an agent?

Some consumers would rather buy from a licensed agent and that is OK! Insurance agents can answer important questions and help submit paperwork. The biggest benefit of comparing insurance prices online is you can get the lowest rates and still have an agent to talk to. Buying from local agencies is important especially in Sulphur.

To make it easy to find an agent, after completing this simple form, your coverage information is immediately sent to participating agents in Sulphur who will battle for your insurance coverage. You won’t need to drive around due to the fact that quote results will go straight to your inbox. How cool is that?!

Listed below is a list of insurers in Sulphur that may be able to provide price quotes.

Allstate Insurance – 910 1st Ave # B, Sulphur, LA 70663 – (337) 527-3658
Kinney Insurance – 815 Willow Ave, Sulphur, LA 70663 – (337) 528-9131
Ronnie Johns Insurance – 3701 Maplewood Dr # 2, Sulphur, LA 70663 – (337) 625-4025
State Farm Insurance – 942 Beglis Pkwy, Sulphur, LA 70663 – (337) 625-3820
Chris Duncan Agency Inc – 4032 Maplewood Dr, Sulphur, LA 70663 – (337) 625-7090

Selecting an insurer requires more thought than just a low price. Any agent should be forthright in answering these questions:

Does the agency support the community they serve?
Does the company allow you to choose your own collision repair facility?
What insurance companies do they recommend if they are an independent agent?
If you are a high risk driver, do they have special markets for your coverage?
What is the agency’s Better Business Bureau rating?

After getting positive feedback to all your questions and an acceptable price quote, most likely you have located an provider that will properly service your auto insurance policy.

More quotes mean more savings

As you go through the steps to switch your coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. There are too many instances where someone sacrificed physical damage coverage and learned later that it was a big error on their part. Your aim should be to buy a smart amount of coverage at the best price.

Cost effective auto insurance can be purchased both online in addition to many Sulphur insurance agents, so compare prices from both to get a complete price analysis. Some companies do not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

Additional information can be found on the website for the Louisiana Department of Insurance found here. Louisiana consumers can view agent and company licensing information, discover disciplinary actions, and find disaster information.