Car Insurance in Kenner – 6 Discounts to Cut Costs

Are you intimidated by the crazy number of car insurance choices in Kenner? You have a lot of company. Consumers have so many options available that it can quickly become a challenge to find lower rates.

It’s a good idea to take a look at other company’s rates yearly because insurance rates are rarely the same from one policy term to another. Even if you think you had the best price on your last policy there is a good chance you can find better rates now. There is a lot of wrong information about car insurance online, so we’re going to give you the best ways to quit paying high car insurance rates.

Discounts are basically free money

Auto insurance companies do not list all their discounts very clearly, so here is a list some of the best known as well as the least known ways to save on car insurance. If you’re not getting every credit you deserve, you’re paying more than you need to.

• Life Insurance Discount – Some companies give a break if you buy life insurance.
• Claim Free – Drivers who don’t have accidents pay less compared to accident-prone drivers.
• Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
• Multiple Vehicles – Buying insurance for multiple vehicles on one policy qualifies for this discount.
• Driver’s Ed – Cut your cost by having your teen driver enroll in driver’s education in high school.
• Accident Forgiveness – A few companies will allow you to have one accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.

Keep in mind that most credits do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as comp or med pay. Just because you may think all the discounts add up to a free policy, you won’t be that lucky.

For a list of insurers with discount car insurance rates in Kenner, click this link.

Cheap Kenner Car Insurance Comparisons

Getting better car insurance pricing can be quick and easy. All that’s required is to spend a few minutes to compare quotes from different insurance companies. This can be done in several different ways.

1. One of the best ways to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This easy form saves time by eliminating separate quote forms for each company you want a rate for. A single, simple form compares rates from all major companies.It’s the quickest way to get rates.
2. A different way to get comparison quotes consists of visiting the website of each company and request a quote. For examples sake, let’s assume you want rates from Auto-Owners, Allstate and State Farm. To get each rate you have to take the time to go to each site to enter your coverage information, which is why most consumers use the first method.

   To view a list of companies in Kenner, click here.

It’s up to you how you get prices quotes, just ensure you are comparing the exact same quote information on every quote you get. If you use different values for each quote it will be very difficult to determine the lowest rate in Kenner.

Which insurance is the “right” coverage?

When choosing adequate coverage, there is no best way to insure your cars. Each situation is unique.

For instance, these questions could help you determine if you could use an agent’s help.

• Why does it cost so much to insure a teen driver in Kenner?
• Does my personal auto insurance policy cover using my vehicle for business use?
• Am I covered when driving a rental car?
• Am I covered when using my vehicle for business?
• Should I rate my vehicle as pleasure use or commute?
• Am I covered by my spouse’s policy after a separation?
• Is my babysitter covered when using my vehicle?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form. It is quick, free and may give you better protection.

Learn about car insurance coverages

Knowing the specifics of a car insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.<img class="alignright" style="padding-top:15px;" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-56.jpg" alt="Kenner Louisiana car insurance quote”/>

Medical costs insurance

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like prosthetic devices, hospital visits, EMT expenses and pain medications. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your vehicle.

Due to the fact that many Louisiana drivers carry very low liability coverage limits (which is 15/30/25), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability

This coverage provides protection from damages or injuries you inflict on people or other property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things such as loss of income, pain and suffering, emergency aid and bail bonds. The amount of liability coverage you purchase is up to you, but buy as much as you can afford. Louisiana state minimum liability requirements are 15,000/30,000/25,000 but drivers should carry more coverage.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a ditch, sustaining damage from a pot hole and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hail damage, a broken windshield and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

The best insurance company isn’t always the cheapest

Drivers who switch companies do it for any number of reasons including lack of trust in their agent, extreme rates for teen drivers, delays in responding to claim requests or an unsatisfactory settlement offer. Regardless of your reason for switching companies, switching car insurance companies is actually quite simple.

We just presented quite a bit of information on how to shop for car insurance online. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest premiums are with a small mutual company.

As you prepare to switch companies, it’s a bad idea to reduce coverage to reduce premium. There are too many instances where an insured cut uninsured motorist or liability limits to discover at claim time that the savings was not a smart move. Your focus should be to buy the best coverage you can find at a price you can afford.