The best way we recommend to get discount Honda Accord Hybrid insurance in New Orleans is to begin comparing prices regularly from insurers that insure vehicles in Louisiana. Rates can be compared by completing these steps.
- Step 1: Read about policy coverages and the modifications you can make to keep rates down. Many factors that cause rate increases such as accidents, traffic violations, and a negative credit history can be remedied by improving your driving habits or financial responsibility. This article provides additional tips to get lower rates and find hidden discounts.
- Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from a single company like GEICO or Allstate, while independent agents can quote prices from multiple companies. Click to view companies
- Step 3: Compare the new rate quotes to your existing policy to determine if you can save on Accord Hybrid insurance. If you find a lower rate quote and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Step 4: Give notification to your agent or company of your intent to cancel the current policy. Submit a down payment along with a completed application to the new company. As soon as you receive it, put the proof of insurance paperwork along with your vehicle registration.
A key point to remember is to use the same amount of coverage on each price quote and and to get quotes from all possible companies. Doing this helps ensure an accurate price comparison and a thorough selection of prices.
Sadly, a large majority of drivers kept their policy with the same company for at least four years, and practically 40% of auto insurance customers have never compared auto insurance rates at all. Drivers in Louisiana can save hundreds of dollars each year just by shopping around, but they don’t want to spend time to go online and compare rates.
If you are already insured or just want to save money, you can learn to get lower rates without sacrificing coverage. The intent of this article is to instruct you on the most effective way to quote insurance and also save some money in the process Vehicle owners just have to learn the quickest way to compare insurance rates using one simple form.
Buy New Orleans Honda Accord Hybrid insurance online
Finding a lower price on insurance is surprisingly easy. You just have to invest a few minutes comparing free New Orleans car insurance quotes from different insurance companies.
The companies shown below provide quotes in New Orleans, LA. To buy cheaper auto insurance in New Orleans, LA, we suggest you get price quotes from several of them to get a more complete price comparison.
Don’t overlook these Honda Accord Hybrid insurance discounts
Insurance is not inexpensive, but you can get discounts that many consumers don’t even know exist. Certain discounts will be triggered automatically when you complete an application, but a few must be specifically requested before being credited.
- Own a Home and Save – Being a homeowner can save a few bucks since home ownership is proof that your finances are in order.
- Discounts for New Vehicles – Putting insurance on a new Accord Hybrid is cheaper because new model year vehicles keep occupants safer.
- Onboard Data Collection – People who choose to allow data collection to scrutinize when and where they use their vehicle by using a telematics device in their vehicle such as State Farm’s In-Drive might see lower rates as long as the data is positive.
- Student Driver Training – Cut your cost by having your teen driver enroll and complete driver’s education as it can save substantially.
- Theft Prevention Discount – Cars, trucks, and SUVs that have factory anti-theft systems are stolen less frequently and earn discounts up to 10% off your New Orleans car insurance quote.
- 55 and Retired – Older drivers may receive better insurance rates.
- Seat Belt Usage – Forcing all vehicle occupants to buckle up can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
- Driver Safety – Taking part in a course in driver safety is a good idea and can lower rates and make you a better driver.
You can save money using discounts, but most credits do not apply to your bottom line cost. Some only reduce individual premiums such as physical damage coverage or medical payments. Just because it seems like all those discounts means the company will pay you, you won’t be that lucky.
A list of insurance companies and a selection of discounts can be read below.
- GEICO offers premium reductions for multi-vehicle, air bags, good student, emergency military deployment, membership and employees, federal employee, and anti-lock brakes.
- MetLife has discounts for good driver, good student, multi-policy, defensive driver, and accident-free.
- State Farm discounts include multiple policy, anti-theft, Steer Clear safe driver discount, good driver, accident-free, and multiple autos.
- Progressive offers discounts including homeowner, multi-policy, online quote discount, good student, and continuous coverage.
- Mercury Insurance may have discounts that include good student, multi-policy, multi-car, annual mileage, anti-theft, ease of repair, and accident-free.
- 21st Century includes discounts for 55 and older, homeowners, air bags, anti-lock brakes, and student driver.
- Allstate policyholders can earn discounts including premier plus, defensive driver, early signing, anti-theft, and FullPay discount.
When getting a coverage quote, ask every prospective company how you can save money. Some discounts listed above may not apply to policies in your area. If you would like to see a list of insurers with the best Honda Accord Hybrid insurance discounts in New Orleans, click this link.
Informed Decisions Result in Lower Insurance Costs
A large part of saving on car insurance is knowing some of the elements that help determine your car insurance rates. If you have some idea of what impacts premium levels, this empowers consumers to make smart changes that can earn you lower premium levels. Many things are considered when you quote your car insurance policy. A few of the factors are predictable like an MVR report, but other criteria are less obvious such as your marital status and annual miles driven.
- Never go without car insurance – Not having insurance is a misdemeanor and car insurance companies will penalize you for letting your insurance lapse for non-payment. And not only will insurance be more expensive, getting caught without coverage might get you a fine, jail time, or a revoked license.
- Better prices with anti-theft devices – Selecting a car model that has an advanced theft prevention system can save you a little every year. Advanced theft deterrents like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder your car from being stolen.
- Having a spouse can save on car insurance – Getting married can actually save you money on your car insurance bill. Having a spouse translates into being more responsible and it’s statistically proven that being married results in fewer claims.
- Protect yourself with liability coverage – Your car insurance policy’s liability coverage will afford coverage if you are found to be at fault for causing personal injury or damage in an accident. Liability insurance provides you with a defense in court which can be incredibly expensive. Liability insurance is pretty cheap when compared with rates for comp and collision, so drivers should carry high limits.
- Lower rates by increasing deductibles – Physical damage insurance, termed comprehensive and collision coverage on your policy, helps pay for damage to your vehicle. Some examples of covered claims would be running into the backend of another car, hitting a deer, or theft. Your deductibles state the amount of money you are required to spend out-of-pocket in the event of a claim. The more money you choose to pay out-of-pocket, the lower your rates will be.
- Women tend to be lower risk – The statistics show that females tend to be a little less risky than males. This data doesn’t prove that men are WORSE drivers than women. Men and women cause auto accidents at about the same rate, but the males get into accidents with more damage. They also get ticketed for serious violations like driving under the influence (DUI). Young men ages 16 to 20 cause the most accidents and thus pay the highest rates.
- Is your car, truck or SUV built for speed? – The make and model of the car, truck or SUV you need insurance for makes a big difference in the rate you pay. The most favorable rates are for low performance passenger models, but many other things help determine your insurance rates.
Insurance loss data for Honda Accord Hybrid vehicles – Car insurance companies analyze claim trends for every vehicle to calculate a rate that will offset losses. Models that are shown to have higher claim amounts or frequency will have increased rates. The table shown below demonstrates the compiled insurance loss statistics for Honda Accord Hybrid vehicles.
For each policy coverage, the claim amount for all vehicles, regardless of manufacturer or model, is a value of 100. Percentage numbers below 100 indicate better than average losses, while values that are 100 or greater indicate a higher chance of having a claim or an increased chance of larger losses than average.
Car Insurance Loss Data for Honda Accord Hybrid Models Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Honda Accord Hybrid 96 80 98 89 76 84BETTERAVERAGEWORSE
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Compare rate quotes but buy from a local neighborhood New Orleans car insurance agent
Certain consumers still prefer to get advice from a local agent. Most agents are trained to spot inefficiencies and help you file claims. A nice benefit of comparing insurance prices online is that you can obtain cheap car insurance quotes and still choose a local agent. Supporting local insurance agents is especially important in New Orleans.
Upon completion of this quick form, the coverage information is emailed to insurance agents in New Orleans who will gladly provide quotes for your car insurance coverage. You won’t even need to do any legwork since price quotes are sent directly to you. In the event you want to get a price quote for a specific company, you just need to navigate to their website and complete a quote there.
When looking for a reliable insurance agency, it’s helpful to know the types of insurance agents and how they work. Insurance agencies in New Orleans are either exclusive or independent. Both properly insure your vehicles, but it’s important to point out the difference in the companies they write for because it may have an impact on your selection of an agent.
Independent Agents (or Brokers)
Independent insurance agents do not have single company limitations and that enables them to quote your coverage with lots of companies depending on which coverage is best. To move your coverage to a new company, your agent can just switch to a different company and you stay with the same agent. If you need cheaper car insurance rates, we recommend you include price quotes from multiple independent agents for the best price selection. Many write coverage with companies that do not advertise much that can offer cheaper rates than bigger companies.
Featured below is a small list of independent insurance agents in New Orleans who may be able to give you pricing information.
- USAgencies Insurance
6003 Bullard Ave #6 – New Orleans, LA 70128 – (504) 517-8884 – View Map
- Integra Insurance in Baton Rouge, Shreveport and New Orleans | Texas and Louisiana Insurance Agents
2750 Lake Villa Dr #305 – Metairie, LA 70002 – (877) 969-3026 – View Map
- Robert Sheard Insurance
1601 Gordon St – New Orleans, LA 70117 – (504) 947-3044 – View Map
Exclusive Insurance Agencies
Agents of this type work for only one company such as State Farm, AAA, Farmers Insurance or Allstate. They are unable to give you multiple price quotes so they are skilled at selling on more than just price. They are well trained on their products and sales techniques which helps offset the inability to provide other markets. Drivers often use the same exclusive agent partially due to the prominent brand name rather than having the cheapest rates.
Listed below are exclusive insurance agencies in New Orleans who can help you get comparison quotes.
- Reggie Glass – State Farm Insurance Agent
3800 Elysian Fields Ave – New Orleans, LA 70122 – (504) 944-4444 – View Map
- Allstate Insurance: John Carbo Jr.
621 Homedale St – New Orleans, LA 70124 – (504) 488-0070 – View Map
- Randy Bordlee – State Farm Insurance Agent
4650 General De Gaulle Dr #102 – New Orleans, LA 70131 – (504) 392-9300 – View Map
Finding the right insurance agency should depend on more than just the bottom line cost. Ask your prospective agent these questions:
- How long has their agency been open in New Orleans?
- Does the agency have a good rating with the Better Business Bureau?
- Are all drivers listed on the coverage quote?
- Do they get paid more for recommending certain coverages?
- Does the company use OEM repair parts?
Tailor your insurance coverage to you
When choosing proper insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Your needs are unique to you.
For example, these questions may help you determine whether you could use an agent’s help.
- Is my state a no-fault state?
- Is other people’s property covered if stolen from my vehicle?
- What should my uninsured motorist coverage limits be in Louisiana?
- Do I need special coverage while pulling a rented trailer?
- Which companies are cheaper for teen drivers?
- Does low annual mileage earn a discount?
- Where can I get insurance after a DUI in Louisiana?
If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and may give you better protection.
People switch companies for any number of reasons including poor customer service, policy cancellation, policy non-renewal and even delays in paying claims. It doesn’t matter why you want to switch finding a great new company can be less work than you think.
When you buy New Orleans car insurance online, you should never reduce needed coverages to save money. There have been many situations where an accident victim reduced uninsured motorist or liability limits only to regret they didn’t purchase enough coverage. Your strategy should be to find the BEST coverage at the best possible price, but do not skimp to save money.
Some insurance providers do not offer online rate quotes and these regional insurance providers work with independent agents. Low-cost Honda Accord Hybrid insurance in New Orleans can be purchased online and from local insurance agents, so compare prices from both to have the best selection.
Additional insurance information can be found at these links:
- Insuring a Leased Car (Insurance Information Institute)
- Who Has the Cheapest New Orleans Car Insurance Rates for State Employees? (FAQ)
- How Much is Auto Insurance for Ride Shares in New Orleans? (FAQ)
- Who Has the Cheapest New Orleans Car Insurance Quotes for Unemployed Drivers? (FAQ)
- Who Has the Cheapest New Orleans Auto Insurance for Postal Workers? (FAQ)
- Vehicle Size and Weight FAQ (iihs.org)
- Side Impact Crash Tests (iihs.org)