Louisiana is one of the most difficult states to drive without insurance. If you’re caught driving without insurance, the officer will be authorized to remove your plates from your car. Your license plates will be physically destroyed if you fail to provide proof of insurance within three days.
There are more penalties than you can imagine. It is better to avoid the embarrassment of Louisiana by driving without proper insurance. Instead of risking the state’s ire, it is better to find ways to save money and to get Louisiana discount car insurance that you can afford every month.
Let’s begin with your garage. You can save money every month on your car insurance if your car is kept in a garage overnight.
You can also save money by arranging for your car insurance premiums to be automatically paid each month from your checking account.
You can save money if you drive less. Do you think it is possible to take public transport for all your transportation needs? You may be eligible for a low mileage discount if you keep your driving to less than 500 miles per month.
You can save money by carpooling to work. Your agent will be happy to discount your monthly insurance by letting you know that you drive half the distance each month to get to work and back.
You will save even more if you retire, or stop driving to and from work every day.
Do not file a claim unless it is worthwhile. If you have been claim-free for six to twelve consecutive months, you might be eligible to a Good Driving Discount.
Insurance companies may lower your rates if you buy a steering wheel lock or other low-cost anti theft device for your car. Discuss your options with your agent.
Young drivers must continue to school, work hard and earn good grades. A “B” average or higher can help young drivers save significant money on their car insurance each monthly.
Group car insurance is available. Employees may be eligible for group car insurance. However, if your workplace doesn’t offer it, ask about any clubs, organizations, or associations that you, your family, or friends belong to. Many companies offer group car insurance at a low price.
If you’re married, designate your wife to be the primary driver while the husband will serve as the secondary driver. Women are less likely to have insurance, and it will be cheaper for them to have the wife as their primary driver.
Are you able to afford a higher deductible? You can increase your deductible quickly and easily to lower your monthly car insurance payments. But don’t promise to pay more for your coverage than you can afford.
Online shopping for car insurance is a great option. Online shopping almost always saves money. However, you shouldn’t compare car insurance prices on one website. If you want to save money on car insurance and get Louisiana discount car insurance then you should take the time to compare at least three websites.
You can also enter exactly the same information on each of the 3 websites. This is the best way to compare car insurance policies across all websites. It’s also the best way to save money.
Once you have made comparisons on three different websites, your work is complete. Now that you have done your research (read this article), you can compare prices on 3 sites. All you need to do is choose the best price. That’s it. This is how you can save money and get Louisiana discount car insurance.