The best way to find better pricing on auto insurance rates in New Orleans is to start comparing prices regularly from providers in Louisiana.
First, it will benefit you to learn about the different coverages in a policy and the modifications you can make to prevent expensive coverage. Many rating criteria that result in higher rates like speeding tickets, careless driving and a not-so-good credit score can be controlled by making minor driving habit or lifestyle changes.
Second, quote rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can provide rates from a single company like Progressive or Farmers Insurance, while independent agents can provide price quotes from multiple insurance companies.
Third, compare the new rates to the price on your current policy to see if a cheaper rate is available in New Orleans. If you find better rates and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
One important bit of advice is to make sure you’re comparing similar coverage information on every price quote and and to look at as many car insurance companies as possible. This provides an accurate price comparison and a complete price analysis.
Remarkably, a study showed that almost 70% of drivers have remained with the same auto insurance company for a minimum of four years, and 38% of drivers have never compared auto insurance rates at all. Consumers in New Orleans could save themselves as much as 35% a year, but they just don’t understand the large savings they would see if they moved their coverage to a different company.
New Orleans insurance discounts
Companies offering auto insurance don’t always publicize their entire list of discounts in an easy-to-find place, so the list below details both well-publicized and also the more inconspicuous credits available to you.
- Membership in Organizations – Belonging to a civic or occupational organization in New Orleans may earn a discount when getting a New Orleans auto insurance quote.
- Theft Deterrent System – Anti-theft and alarm system equipped vehicles help deter theft and qualify for as much as a 10% discount.
- Buy New and Save – Buying a new car instead of a used F-PACE can cost up to 25% less because new model year vehicles have to meet stringent safety requirements.
- Paperwork-free – Many insurance companies will provide an incentive for buying your policy over the internet.
- Multi-Vehicle Discounts – Buying coverage for multiple cars or trucks on a single policy may reduce the rate for each vehicle.
A little note about advertised discounts, many deductions do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like medical payments or collision. Even though it appears you can get free auto insurance, you aren’t that lucky.
Companies and some of their more popular discounts are outlined below.
- State Farm discounts include good student, Drive Safe & Save, Steer Clear safe driver discount, accident-free, good driver, and safe vehicle.
- American Family may have discounts that include TimeAway discount, good driver, mySafetyValet, air bags, and multi-vehicle.
- GEICO includes discounts for driver training, membership and employees, emergency military deployment, multi-policy, air bags, and seat belt use.
- 21st Century policyholders can earn discounts including anti-lock brakes, air bags, teen driver, good student, student driver, early bird, and driver training.
- Progressive has savings for continuous coverage, online quote discount, online signing, multi-policy, and good student.
If you are trying to find inexpensive New Orleans auto insurance quotes, ask each insurance company how many discounts you can get. Some of the earlier mentioned discounts might not apply in New Orleans. To see a list of providers with the best Jaguar F-PACE insurance discounts in New Orleans, click here to view.
The companies shown below are ready to provide quotes in Louisiana. To get the cheapest car insurance in New Orleans, LA, it’s a good idea that you visit several of them to get the most affordable price.
Local New Orleans car insurance agents and auto insurance
Some people prefer to talk to an insurance agent and doing that can be a smart decision Good agents will help you protect your assets and help file insurance claims. A good thing about price shopping on the web is you can get the lowest rates but also keep your business local. Buying from and supporting small agencies is still important in New Orleans.
By using this simple form, your coverage information is transmitted to insurance agents in New Orleans who will give competitive quotes and help you find cheaper coverage. It makes it easy because there is no need to contact any agents because prices are sent immediately to you. If you need to quote rates from a specific auto insurance provider, just go to their quote page and fill out their quote form.
If you want a good New Orleans insurance agent, you need to know there are two types of insurance agents and how they differ in how they can insure your vehicles. New Orleans agents are considered either exclusive or independent agents depending on their company appointments. Either one can handle auto insurance, but we need to point out the difference in the companies they write for because it can influence your agent selection.
Independent Auto Insurance Agencies or Brokers
Agents that elect to be independent are not employed by one company so as a result can place your coverage with multiple insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, your agent can just switch to a different company and you don’t have to find a new agent.
If you need lower rates, we recommend you get insurance quotes from at a minimum one independent agency in order to have the best price comparison. A lot of them also have access to different regional companies which can save you money.
Below is a short list of independent agencies in New Orleans that may be able to give you price quote information.
- Bob Swanson Insurance
824 Elmwood Park Blvd #295 – New Orleans, LA 70123 – (504) 734-0305 – View Map
- Nola Insurance Agency
2646 Banks St – New Orleans, LA 70119 – (504) 822-8770 – View Map
- Pappalardo Agency, Inc.
145 Robert E Lee Blvd #202 – New Orleans, LA 70124 – (504) 486-7441 – View Map
Exclusive Insurance Agents
Exclusive agencies have only one company to place business with such as State Farm, Allstate, and Farm Bureau. These agents are unable to place coverage with different providers so if the price isn’t competitive there isn’t much they can do. These agents are highly trained on their company’s products and that can be a competitive advantage. Consumers frequently use the same exclusive agent mainly due to the prominent brand name rather than low rates.
Shown below is a short list of exclusive agents in New Orleans willing to provide price quotes.
- Derek Morel – State Farm Insurance Agent
5555 Bullard Ave #104 – New Orleans, LA 70128 – (504) 247-9241 – View Map
- Chase Dardar – State Farm Insurance Agent
6301 S Claiborne Ave – New Orleans, LA 70125 – (504) 861-4529 – View Map
- Allstate Insurance: Paul Scaffidi
720 Harrison Ave c – New Orleans, LA 70124 – (504) 822-8007 – View Map
Finding a good insurance agency needs to be determined by more than just a low price. You should also get answers to these questions.
- Does the agency have a positive business rating?
- Do they regularly work with personal auto policies in New Orleans?
- What companies can they write with?
- Are they able to provide referrals?
- Can you contact them at any time?
Specific coverage details
Learning about specific coverages of auto insurance can be of help when determining which coverages you need and the correct deductibles and limits. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy.
Uninsured and underinsured coverage
This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your Jaguar F-PACE.
Due to the fact that many Louisiana drivers only purchase the least amount of liability that is required (which is 15/30/25), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these limits do not exceed the liability coverage limits.
Liability insurance provides protection from damages or injuries you inflict on people or other property by causing an accident. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 15/30/25 that translate to a limit of $15,000 per injured person, a limit of $30,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.
Liability coverage pays for claims like medical expenses, loss of income and medical services. How much coverage you buy is your choice, but you should buy as large an amount as possible. Louisiana requires minimum liability limits of 15/30/25 but it’s recommended drivers buy better liability coverage.
The chart below demonstrates why minimum state limits may not be high enough to adequately cover claims.
Coverage for medical payments
Coverage for medical payments and/or PIP pay for immediate expenses such as pain medications, dental work and X-ray expenses. They can be utilized in addition to your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay
Collision coverage pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims like sideswiping another vehicle, scraping a guard rail, crashing into a ditch, hitting a parking meter and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible on your F-PACE in order to get cheaper collision rates.
This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like theft, hitting a deer and fire damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
The most affordable rates come from being thorough
Throughout this article, we presented a lot of techniques to lower your Jaguar F-PACE insurance prices in New Orleans. It’s most important to understand that the more rate quotes you have, the better your comparison will be. You may even find the best prices are with a lesser-known regional company.
Affordable Jaguar F-PACE insurance in New Orleans is available on the web as well as from insurance agents, so you need to shop New Orleans auto insurance with both in order to have the best chance of saving money. Some auto insurance companies do not offer price quotes online and most of the time these small, regional companies only sell through independent agencies.
As you restructure your insurance plan, don’t be tempted to reduce coverage to reduce premium. There are too many instances where someone dropped collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase a proper amount of coverage for the lowest price, but don’t skip important coverages to save money.
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Who Has Cheap Car Insurance for Inexperienced Drivers in New Orleans? (FAQ)
- How Much are New Orleans Auto Insurance Quotes for 16 Year Olds? (FAQ)
- Who Has Cheap New Orleans Car Insurance Rates for Electric Cars? (FAQ)
- Help Your Teen Be a Better Driver (State Farm)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- Tools for Teen Driving Safety (State Farm)