Drivers who do not have car insurance in Louisiana are not allowed to drive. If you are stopped by an officer for any reason, and you can’t show proof of insurance, the officer has the right to take your license plates and seize your car. Did you also know that your license plates may be destroyed if you don’t provide proof of insurance within three days?
You don’t want that to happen. Instead, learn how to obtain affordable Louisiana car insurance and sleep easy at night.
There are a few simple things that you can do to reduce the cost of your auto insurance.
Each month, your checking account will automatically pay your premium.
You can park your car in a garage at night.
Reduce your driving. Take public transport to do most of your driving and park your car at home. You may be eligible for a significant Low-Mileage Discount if you reduce your monthly driving to less than 500 miles per month.
Do not file multiple small claims. You may be eligible for a Good Driver Discount if you go six to twelve consecutive months without filing a claim.
Start or join a carpool at your workplace. Did you know that your monthly premium is calculated based on how many times you drive to and from work each month? You will be eligible for a discount on car insurance if you reduce that number by half.
Also, let your agent know if you are retiring or if you stop driving for work. Your car insurance could be cheaper every month.
Find out if group car insurance is available. Your workplace may offer low-cost group insurance for its employees. Even if your workplace doesn’t offer group insurance, you may still be able find it through one the associations, clubs, or groups that you, a friend, or family member belong to.
You can save money by listing your spouse as the primary driver and your husband as the second driver if you’re married.
If you buy and use a simple steering-wheel locking device, some companies will offer a discount. Talk to your agent about simple, inexpensive anti-theft devices which could help you save money every month.
You don’t need to worry about paying for towing through car insurance if you have AAA, or a credit card that offers free towing.
You can save money on your collision and comprehensive coverage if your car is an older model, particularly a car that has low Kelly Blue Book value.
You can save money immediately by increasing your deductible. Don’t agree to pay more than you can afford.
Although buying your car insurance online can save you money almost every time, don’t let it fool you. You don’t have to compare prices at all the sites that offer quick price comparisons. You can only compare a small number of insurance companies on each site. If you want to get the best deal, you will need to compare policies from at least three different websites.
Use the information you’ve learned here and fill out all forms on the three websites exactly the same. This will allow you to compare the same insurance policy every time, and your comparisons will make sense.
After you have completed your comparisons, it is easy to choose the lowest-priced insurance policy. You’re done. Now you are an expert in Louisiana car insurance.