Lowest Auto Insurance Exclusively for Slidell Louisiana Residents

Saving money on Slidell auto insurance can be challenging for beginners to comparing rates online. Drivers have so many options that it can quickly become a big hassle to find the best price in Slidell.

Pricing the lowest cost auto insurance coverage in Slidell is easy if you know what you’re doing. Essentially everyone who is shopping for auto insurance will be able to cut their insurance bill. Nevertheless, Louisiana car owners can benefit from knowing how companies market insurance on the web and use this information to your advantage.

Compare Quotes for Slidell Auto Insurance

All major auto insurance companies quote prices online. Obtaining pricing doesn’t take a lot of time as you simply type in the coverage amounts you desire into a form. After the form is submitted, their system will obtain your credit score and driving record and returns a price based on these and other factors.

Quoting online makes comparing rates easy, but the process of having to visit several different sites and fill out multiple forms is repetitive and time-consuming. Unfortunately, it is important to do this in order to get the best price possible.

Rate comparisons made easy

An easier way to get multiple rate quotes is to use a quote form to get prices from more than one company. This type of form saves time, eliminates repetitive work, and makes online quotes a little more enjoyable. As soon as the form is sent, it gets priced with multiple companies and you can pick any one of the quote results.

If a lower price is quoted, you can click and sign and buy the policy. This process takes 15 minutes at the most and may save quite a bit of money.

To find out if lower rates are available, click here and enter your information. If you currently have coverage, we recommend you enter deductibles and limits identical to your current policy. Doing this assures you will have a fair comparison using the exact same coverages.

Take discounts and save

Car insurance is not cheap, but you may find discounts to reduce the price significantly. Some discounts apply automatically when you get a quote, but a few must be inquired about prior to receiving the credit.

  • Student Driver Training – Cut your cost by having your teen driver enroll in driver’s education in school.
  • Life Insurance Discount – Some companies give better rates if you take out auto and life insurance together.
  • Early Signing – Some insurance companies reward drivers for switching to them prior to your current policy expiration. This can save 10% or more.
  • No Charge for an Accident – A handful of insurance companies permit an accident before raising your premiums if you are claim-free prior to the accident.
  • Defensive Driver – Completing a driver safety course could possibly earn you a 5% discount if your company offers it.
  • Accident Free – Good drivers with no accidents can save substantially as compared to drivers who are more careless.
  • Good Student Discount – A discount for being a good student can save 20 to 25%. This discount can apply up until you turn 25.

It’s important to understand that most discounts do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like having all the discounts means you get insurance for free, auto insurance companies aren’t that generous. But any discount will help reduce your overall premium however.

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

Lower your Slidell Auto Insurance Rates

It’s important that you understand the different types of things that help determine auto insurance rates. Knowing what determines base rates enables informed choices that may reward you with big savings.

  • Your credit rating is important – Credit rating is a huge factor in your rate calculation. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers who have lower credit scores. So if your credit score can use some improvement, you could potentially save money when insuring your by improving your rating.
  • High numbers of claims are not good – Car insurance companies in Louisiana provide lower rates to insureds who file claims infrequently. If you file claims often, you can look forward to either higher rates or even cancellation. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.
  • Consolidate policies to earn discounts – Many insurers give discounts to customers who buy several policies from them such as combining an auto and homeowners policy. Discounts can be five, ten or even twenty percent. If you currently are using one company, you may still want to shop around to make sure you are getting the best deal.
  • Don’t skimp on liability – The liability section of your policy will protect you if ever you are found to be at fault for damages caused by your negligence. It will provide you with a defense in court starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not cut corners here.
  • Rates may be higher depending on your occupation – Did you know your auto insurance rates can be affected by your occupation? Careers like judges, architects and accountants tend to have higher rates than average attributed to stressful work requirements and lengthy work days. On the flip side, occupations like farmers, athletes and homemakers receive lower rates.
  • Always keep insurance in force – Driving with no insurance is against the law and as a result your rates will increase for letting your coverage have a gap. Not only will rates go up, failure to provide proof of insurance may earn you a steep fine or even jail time.
  • Males pay more for insurance – Statistics demonstrate women are more cautious behind the wheel. That doesn’t necessarily mean that women are better drivers. They both cause accidents in similar percentages, but the male of the species cause more damage. Men also tend to receive more costly citations such as DWI and reckless driving. Teenage male drivers tend to get in the most accidents and therefore have the most expensive auto insurance rates.

Which policy gives me the best coverage?

When buying the right insurance coverage, there really is no one size fits all plan. Everyone’s needs are different.

For instance, these questions can aid in determining if you may require specific advice.

  • Should I buy more coverage than the required Louisiana minimum liability coverage?
  • If my vehicle is totaled, can I afford another vehicle?
  • Do I benefit by insuring my home with the same company?
  • How many claims can I have before being cancelled?
  • Is my custom paint covered by insurance?
  • Does my medical payments coverage pay my health insurance deductible?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I really need UM/UIM coverage?
  • Is rental equipment covered for theft or damage?
  • Do I need medical payments coverage since I have good health insurance?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

More information is located on the Louisiana Department of Insurance website found here. Louisiana drivers can view a list of available companies, find a variety of consumer forms, discover disciplinary actions, and find out industry alerts.

Don’t believe everything you hear

Auto insurance companies such as State Farm, Allstate and GEICO consistently run ads on TV and radio. They all seem to have a common claim that you can save if you change your coverage to them. How does each company make the same claim?

Different companies have a certain “appetite” for the type of driver that earns them a profit. For instance, a driver they prefer might be profiled as between the ages of 30 and 50, has no prior claims, and drives less than 10,000 miles a year. A customer who meets those qualifications will get the preferred rates and as a result will probably cut their rates substantially.

Consumers who don’t qualify for these standards will have to pay higher rates and ends up with business not being written. Company advertisements say “customers who switch” not “people who quote” save that much. That is how insurance companies can confidently claim big savings.

Because of the profiling, it is so important to quote coverage with many companies. It is impossible to predict which insurance companies will have the lowest rates.

Better coverage you can count on

When buying insurance coverage, make sure you don’t buy lower coverage limits just to save a few bucks. In many instances, someone sacrificed full coverage only to find out that their decision to reduce coverage ended up costing them more. Your goal should be to find the BEST coverage for the lowest price while not skimping on critical coverages.

We just covered many ideas to get a better price on auto insurance. The most important thing to understand is the more times you quote, the better likelihood of reducing your rate. Consumers may even find the best prices are with some of the smallest insurance companies.

Cheaper auto insurance is definitely available both online and also from your neighborhood Slidell agents, so you should be comparing quotes from both in order to have the best chance of saving money. A few companies may not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.