Getting Car Insurance Discounts In Louisiana

Reader’s Question:

Is it true that car insurance companies offer discounts? And if so, are those discounts enough to make a significant dent on my car insurance premiums here in Louisiana?

Shaumere

Baton Rouge, LA

Yes, it is true that car insurance companies offer discounts. In fact, depending on your eligibility, there are many ways that you can get a discount towards your car insurance premiums. Listed below are some of the most common car insurance discounts available, as well as some tips to further lower your car insurance premiums there in Louisiana:

• Good Driver Discount – usually offered to those who has not had any driving accidents or offenses for the past thee or five years.
• Good Student Discount – for student drivers who bring home good grades (B or 3.0 or higher).
• Discounts for making your vehicle safer – this would include after market installations such as anti-theft locks, additional air bags, automatic seat belts etc., the safer you make your vehicle the lower your premiums as well.
• Low Mileage Discounts – if you drive less than 10,000 miles a year, check with your carrier since they may have different limits.
• Annual Payment Schemes – longer payment schemes are usually much cheaper than short, monthly payments.
• Multi-car insurance – some companies give discounts or incentives for having two or more cars under the same policy.
• Merging your insurance coverage – most companies offer discounts for putting all of your insurance needs with them. This includes getting life or home insurance with them too, aside from car insurance.
• Shop around – one effective way to get cheap car insurance in Louisiana (or anywhere) is to run a free insurance quote in this website so you can compare prices from many different companies fast & easy.