Auto Insurance in Crowley – 10 Discounts to Cut Costs

Tired of not being able to afford to buy car insurance? You are no different than millions of other consumers. Companies like Progressive, State Farm and GEICO promote their brand names with ad campaigns and consumers find it hard to ignore the promise of big savings and do the work needed to find the best deal.

If you have a current auto insurance policy or are shopping for new coverage, you can use these tips to shop for the lowest rates and possibly find even better coverage. Finding affordable coverage in Crowley is easy if you know what you’re doing. Louisiana drivers just need to learn the most effective way to shop their coverage around online.

Vehicle Insurance Comparison

Most major insurance companies give prices for coverage on the web. The process is pretty easy as you simply enter the amount of coverage you want into the quote form. Once entered, their rating system will order credit information and your driving record and gives you a price quote based on these factors. This makes comparing rates easy, but the process of having to visit several different sites and enter the same data into a form can be a bit tiresome and repetitive. But it’s very important to have as many quotes as possible in order to find better auto insurance pricing.

Compare rates the easy way

A less time-consuming method to lower your auto insurance bill utilizes a single form that gets prices from several different companies. It saves time, eliminates form submissions, and makes online price comparison a little more enjoyable. After sending your information, it is quoted and you can choose any of the quotes that you receive. If a lower price is quoted, you simply finish the application and buy the new coverage. The whole process only takes a few minutes and could lower your rates considerably.

To compare pricing, click here to open in a new tab and enter your information. To compare your current rates, we recommend that you enter the coverage information as shown on your current policy. Using the same limits helps guarantee you will receive an apples-to-apples comparison for exact coverage.

Take these ten discounts and save

Auto insurance companies don’t always advertise every available discount very well, so the following is a list of some of the more common as well as the least known discounts you could be receiving. If you don’t get every credit available, you’re just leaving money on the table.

• Military Discounts – Having a deployed family member may qualify for rate reductions.
• Anti-theft Discount – Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
• Auto/Home Discount – When you have multiple policies with the same insurance company you may save up to 20% off your total premium.
• Early Switch Discount – Select companies give a discount for buying a policy before your current policy expires. It’s a savings of about 10%.
• 55 and Retired – Mature drivers may qualify for better auto insurance rates.
• Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
• Accident Forgiveness – Some insurance companies permit an accident before your rates go up so long as you haven’t had any claims prior to the accident.
• Claim Free – Drivers with accident-free driving histories can earn big discounts as compared to bad drivers.
• Organization Discounts – Affiliation with a civic or occupational organization could trigger savings when buying auto insurance.
• Employee of Federal Government – Simply working for the federal government may qualify you for a discount with certain companies.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. Some only reduce the cost of specific coverages such as comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, it doesn’t quite work that way.

For a list of insurers offering auto insurance discounts in Louisiana, follow this link.

Which policy gives me the best coverage?

When choosing the best auto insurance coverage, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that can aid in determining whether your personal situation might need professional guidance.

• Can I get a multi-policy discount for packaging my home and auto coverage?
• Who is covered when they drive my vehicle?
• Do I have coverage if my license is suspended?
• Do I need PIP (personal injury protection) coverage in Louisiana?
• When would I need additional glass coverage?
• Which companies will insure high-risk drivers?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

More tips and info about auto insurance is available at the Louisiana Department of Insurance website. Visitors are able to read enforcement actions against agents and companies, find a variety of consumer forms, and find disaster information.

Coverages available on your auto insurance policy

Knowing the specifics of your policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement. These are typical coverages found on most auto insurance policies.

Medical expense insurance

Med pay and PIP coverage provide coverage for bills for prosthetic devices, ambulance fees, doctor visits, chiropractic care and dental work. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hail damage, fire damage, falling objects and hitting a deer. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage protection

This pays for damage to your vehicle caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as sideswiping another vehicle, rolling your car, crashing into a building and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Liability

This can cover injuries or damage you cause to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as attorney fees, medical expenses and medical services. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible. Louisiana state law requires minimum liability limits of 15,000/30,000/25,000 but it’s recommended drivers buy better liability coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law (which is 15/30/25), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Quote more, save more

Cheaper auto insurance can be bought on the web in addition to many Crowley insurance agents, and you need to comparison shop both to get a complete price analysis. A few companies do not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

As you prepare to switch companies, never buy less coverage just to save a little money. In too many instances, an accident victim reduced liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. Your focus should be to find the BEST coverage for the lowest price, not the least amount of coverage.

We covered a lot of techniques to save on auto insurance. It’s most important to understand that the more rate quotes you have, the higher your chance of finding lower rates. You may be surprised to find that the lowest priced auto insurance comes from the least-expected company. They may only write in your state and offer lower rates than their larger competitors like Allstate, GEICO and Progressive.