Are you sick and tired of scraping nickels together to keep your car insured? You’re in the same situation as many other drivers in Louisiana.
We don’t have to point out that fact that auto insurance companies don’t want their customers to go rate shopping. People who shop for lower prices are highly likely to buy a different policy because there are good odds of finding a lower-priced policy. A recent insurance study revealed that consumers who compared rates regularly saved as much as $865 annually as compared to drivers who never shopped around.
If finding the best rates on insurance is your objective, learning the best ways to find and compare cheaper coverage can help simplify the process. Having so many companies to choose from that have cheaper insurance for a Lincoln Mark LT in New Orleans, it’s difficult to find the lowest price insurance company.
Our objective in writing this article is to help educate you on how car insurance companies work and how to save the most money. If you currently have auto insurance, you will be able to find the best rates using the techniques covered below. Vehicle owners just have to understand the proper way to compare price quotes over the internet.
Cheapest companies for Lincoln Mark LT insurance in Louisiana
The companies shown below are our best choices to provide free rate quotes in New Orleans, LA. To locate the cheapest car insurance in New Orleans, it’s highly recommended you visit two to three different companies to get the best price comparison.
Why You Might Pay Increased Rates in New Orleans
Many things are part of the equation when you get your auto insurance bill. Some of the criteria are obvious such as your driving history, but some are not as apparent like where you live or how financially stable you are.
The list below includes just a few of the factors companies use to determine your prices.
- Liability coverage is cheap – Liability coverage kicks in when a jury decides you are liable for physical damage or personal injury to other. Liability insurance provides you with a defense in court to attempt to prove you were not liable. Liability insurance is quite affordable compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
- Optional features impact rates – Selecting a car model with advanced anti-theft systems can save you a little every year. Advanced theft deterrents such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop your car from being stolen.
- Eliminate incidental coverages – There are many optional add-on coverages that can waste your money when buying car insurance. Insurance for personal injury protection, accident forgiveness, and additional equipment coverage are probably not needed. The coverages may be enticing when deciding what coverages you need, but if you don’t need them remove them and pocket the money.
- Big cities mean more claims – Having an address in smaller towns and rural areas of the country has definite advantages when insuring your vehicles. Fewer drivers means a lower chance of having an accident as well as less vandalism and auto theft. Drivers in populated Louisiana areas have congested traffic and more severe claims. The longer drive time means a statistically higher chance of an accident.
- Men pay more for insurance – Over time, data shows women are more cautious behind the wheel. Now that doesn’t mean women are better drivers. Both sexes get in fender benders in similar percentages, but the males tend to have higher claims. They also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly.
- Having a spouse can lower prices – Having a significant other may earn you lower rates compared to being single. It is viewed as being more mature than a single person and it’s statistically proven that drivers who are married file infrequent claims.
Save money with discounts
Insuring your vehicles can cost a lot, but you can get discounts to reduce the price significantly. Certain discounts will be applied when you quote, but a few must be manually applied before you will receive the discount.
- Clubs and Organizations – Having an affiliation with qualifying clubs or civic groups is a good way to get lower rates on your bill.
- Anti-lock Brakes – Cars and trucks with ABS and/or traction control can stop better under adverse conditions and therefore earn up to a 10% discount.
- Driver Education Discount – Cut your cost by having your teen driver participate in a local driver’s education class in school.
- Fewer Miles Equal More Savings – Driving less could earn discounted insurance rates on garaged vehicles.
- Buy New and Save – Putting insurance on a new Mark LT can cost up to 25% less because new model year vehicles have to meet stringent safety requirements.
- Multi-car Discount – Buying a policy with multiple cars on a single policy can get a discount for every vehicle.
- Good Driver Discounts – Safe drivers can save as much as half off their rates than their less cautious counterparts.
- Early Payment Discounts – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
One thing to note about discounts is that most credits do not apply to the entire policy premium. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Even though it may seem like you can get free auto insurance, you won’t be that lucky. But any discount will help reduce your policy premium.
To locate insurance companies with the best discounts in Louisiana, click here to view.
Auto insurance quotes from local New Orleans insurance agents
Certain consumers just want to talk to an insurance agent and that can be a smart move Agents can make sure you are properly covered and will help you if you have claims. A good thing about getting online price quotes is that you can obtain cheap auto insurance rates and still have a local agent. Buying from and supporting neighborhood insurance agencies is important especially in New Orleans.
Once you complete this simple form, your insurance coverage information is submitted to companies in New Orleans that give free quotes for your business. There is no need to find an agent on your own since price quotes are sent to you directly. If you want to compare rates from a particular provider, feel free to jump over to their website and complete a quote there.
Exclusive or Independent: There is a difference
When finding a local agent, there are two different types of agents and how they can service your needs differently. Agents can be described as either independent agents or exclusive agents. Both can provide auto insurance policies, but it is a good idea to know the difference between them because it may have an impact on the type of agent you choose.
Independent Agents
Independent agencies are not locked into one company and that allows them to write policies with many different companies and get you the best rates possible. If you want to switch companies, your policy is moved internally and you don’t have to do anything. When shopping rates, it’s a good idea to get quotes from multiple independent agents for the best price selection.
Shown below is a list of independent agents in New Orleans that can possibly get you comparison quotes.
J Everett Eaves
650 Poydras St # 1500 – New Orleans, LA 70130 – (504) 581-5353 – View Map
Mid-City Auto Title and Insurance
3328 Bienville St # A – New Orleans, LA 70119 – (504) 827-1845 – View Map
Martin Insurance Agency, Inc
4700 Orleans Ave – New Orleans, LA 70119 – (504) 486-6133 – View Map
Exclusive Insurance Agents
Exclusive agents can only place business with one company and some examples include State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot compare rates from other companies so if the price isn’t competitive there isn’t much they can do. Exclusive agencies are usually quite knowledgeable on sales techniques which helps overcome the inability to quote other rates.
Listed below is a short list of exclusive agencies in New Orleans that are able to give price quotes.
Wayne Leone – State Farm Insurance Agent
1701 S Carrollton Ave – New Orleans, LA 70118 – (504) 865-1101 – View Map
Josh Lorando – State Farm Insurance Agent
4200 Canal St c – New Orleans, LA 70119 – (504) 488-0001 – View Map
Carl Mixon – State Farm Insurance Agent
4716 Canal St – New Orleans, LA 70119 – (504) 482-7897 – View Map
Choosing an car insurance agent requires more thought than just the price. Any agent in New Orleans should be willing to answer these questions.
- Where would your vehicle be repaired?
- Can you contact them at any time?
- Which company do they place the most coverage with?
- Has the agent ever had any license suspensions?
- Will the agent or a CSR service your policy?
- Do they reduce claim amounts on high mileage vehicles?
After talking to the agent and getting good answers to all your questions as well as low cost Lincoln Mark LT insurance quotes, most likely you have located an auto insurance agent that meets the requirements to provide auto insurance coverage.
Louisiana car insurance companies
Insuring your vehicle with a good quality insurer is difficult considering how many companies sell coverage in Louisiana. The information listed below could help you analyze which car insurance providers to look at comparing prices from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Don’t assume everyone needs the same car insurance coverage
When it comes to a policy, there really is no “perfect” insurance plan. Every insured’s situation is different.
For instance, these questions can aid in determining if your insurance needs would benefit from an agent’s advice.
- Are combined or split liability limits better?
- Is my nanny covered when driving my vehicle?
- Why are teen drivers so expensive to add on to my policy?
- Why does it cost so much to insure a teen driver in New Orleans?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Do I have coverage for damage caused while driving under the influence?
- Does every company file a SR-22 automatically?
- Am I covered if my car is in a flood?
- Should I put collision coverage on all my vehicles?
If you can’t answer these questions, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form. It is quick, free and may give you better protection.
You can lower your car insurance rates
Insureds switch companies for any number of reasons including not issuing a premium refund, unfair underwriting practices, delays in responding to claim requests and an unsatisfactory settlement offer. No matter why you want to switch, choosing a new insurance company is not as difficult as it may seem.
You just read many ways to shop for Lincoln Mark LT insurance online. It’s most important to understand that the more providers you compare, the higher your chance of finding low cost New Orleans auto insurance quotes. Consumers may even find the lowest priced car insurance comes from some of the lesser-known companies.
While you’re price shopping online, make sure you don’t buy lower coverage limits just to save a few bucks. In many cases, an insured cut physical damage coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible at the best possible price.
Steps to finding cheaper quotes for Lincoln Mark LT insurance in New Orleans
The most effective way to find low-cost Lincoln Mark LT insurance in New Orleans is to start doing a yearly price comparison from companies in Louisiana.
- Try to learn a little about what is in your policy and the measures you can take to drop your rates. Many factors that result in higher prices such as at-fault accidents and an unfavorable credit rating can be improved by paying attention to minor details.
- Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can provide rates from a single company like GEICO and Allstate, while independent agencies can give you price quotes for a wide range of companies.
- Compare the new quotes to your existing coverage to determine if you can save on Mark LT insurance. If you find a lower rate and decide to switch, verify that coverage does not lapse between policies.
- Tell your current agent or company to cancel your current policy and submit a down payment along with a signed application to your new carrier. When you receive it, put the certificate verifying coverage in your vehicle’s glove compartment or console.
The key thing to remember is to compare identical coverages on each quote request and and to get price estimates from as many companies as you can. This ensures an accurate price comparison and the most accurate and complete price analysis.
Additional articles
- Help Your Teen Be a Better Driver (State Farm)
- Who Has Cheap Auto Insurance Quotes for Teenage Females in New Orleans? (FAQ)
- What Insurance is Cheapest for a Company Car in New Orleans? (FAQ)
- What Car Insurance is Cheapest for Single Moms in New Orleans? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Drivers Requiring a SR22 in New Orleans? (FAQ)
- What Car Insurance is Cheapest for Drivers with a Bad Driving Record in New Orleans? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Drivers Over Age 60 in New Orleans? (FAQ)
- What to do at the Scene of an Accident (Insurance Information Institute)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Insurance Losses by Make and Model (iihs.org)