Unthinkable but true, nearly 70% of drivers kept their policy with the same company for a minimum of four years, and practically 40% of auto insurance customers have never compared auto insurance rates at all. Louisiana insurance shoppers could save themselves nearly $900 a year by just comparing quotes, but most undervalue the big savings they would realize if they switch to a new company.
The recommended way to get cheaper car insurance rates in New Orleans is to compare prices at least once a year from insurers who provide car insurance in Louisiana. Rates can be compared by completing these steps.
First, spend some time learning about what coverages are included in your policy and the things you can control to lower rates. Many things that are responsible for high rates like multiple speeding tickets and poor credit rating can be amended by making lifestyle changes or driving safer.
Second, quote rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like GEICO and Allstate, while agents who are independent can provide prices from multiple companies. Compare rates now
Third, compare the new rates to your existing coverage and see if you can save money. If you find better rates and buy the policy, make sure coverage is continuous and does not lapse.
Fourth, provide adequate notice to your current company to cancel your current coverage. Submit payment and a signed application to your new agent or company. As soon as you have the new policy, keep your new certificate verifying coverage somewhere easily accessible.
One thing to point out is to try to compare similar deductibles and liability limits on every quote and and to get price quotes from as many different insurance providers as possible. Doing this ensures a fair price comparison and the best rate selection.
Car insurance quotes and discounts
Car insurance is not cheap nor is it fun to buy but you may qualify for discounts that could drop your premiums quite a bit. Some of these discounts will be visible when you complete an application, but some may not be applied and must be specifically requested prior to getting the savings.
- Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
- Drive Less and Save – Low mileage vehicles may allow you to get lower car insurance rates on the low mileage vehicles.
- Distant Student Discount – Older children living away from New Orleans attending college without a vehicle on campus can be insured at a reduced rate.
- Anti-lock Brake Discount – Cars with ABS braking systems or traction control are much safer to drive and qualify for as much as a 10% discount.
- Theft Deterrent – Anti-theft and alarm system equipped vehicles help deter theft so companies will give you a small discount.
It’s important to note that some of the credits will not apply to the entire policy premium. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears it’s possible to get free car insurance, it doesn’t quite work that way.
Some of the larger companies who might offer some of the above discounts may include but are not limited to:
- GEICO
- Mercury Insurance
- Farmers Insurance
- Auto-Owners Insurance
- Liberty Mutual
- SAFECO
- Progressive
- USAA
Check with every insurance company to give you their best rates. Some discounts may not apply to policyholders in your state. To find companies that provide some of the discounts listed above in New Orleans, click here to view.
The majority of larger companies make it easy to get coverage prices from their websites. Obtaining pricing for Mitsubishi Raider insurance in New Orleans is fairly simple as all you need to do is type in the amount of coverage you want into a form. Behind the scenes, the company’s rating system requests your driving record and credit report and provides a quote based on these and other factors. Being able to quote online for Mitsubishi Raider insurance in New Orleans helps simplify price comparisons, and it’s absolutely necessary to compare as many rates as possible if you want to get the cheapest price.
To save time and find out if lower rates are available, compare quotes from the companies shown below. If you have your current policy handy, we recommend you copy the coverage information identical to your current policy. This guarantees you will have a price comparison based on identical coverages.
The companies shown below can provide price quotes in New Orleans, LA. If you wish to find the best car insurance in New Orleans, it’s highly recommended you get price quotes from several of them to get a more complete price comparison.
Local neighborhood insurance agents
Some consumers would rather visit with an insurance agent and there is nothing wrong with that. The best thing about comparing rate quotes online is that drivers can save money and get cheaper car insurance rates and still have an agent to talk to. And providing support for neighborhood agents is still important in New Orleans.
After filling out this simple form, your insurance coverage information is immediately sent to local insurance agents that can provide free New Orleans car insurance quotes to get your business. There is no need to search for an agent since rate quotes are delivered to the email address you provide. You can find the lowest rates without requiring a lot of work. If you want to get a comparison quote from a particular provider, you can always find their quoting web page and fill out the quote form the provide.
The following is a short list of car insurance companies in New Orleans that may be able to provide comparison quotes for Mitsubishi Raider insurance in New Orleans.
KTS Insurance Agency
3239 Bienville St – New Orleans, LA 70119 – (504) 371-5519 – View Map
Garcia Insurance Services
3815 MacArthur Blvd – New Orleans, LA 70114 – (504) 875-4077 – View Map
Allstate Insurance: John Carbo Jr.
621 Homedale St – New Orleans, LA 70124 – (504) 488-0070 – View Map
Martin Insurance Agency, Inc
4700 Orleans Ave – New Orleans, LA 70119 – (504) 486-6133 – View Map
Finding a good company shouldn’t rely on just a low price. Any agent in New Orleans should be forthright in answering these questions:
- Are claims handled at the agent’s location?
- Is insurance their full-time profession?
- Does the company use OEM repair parts?
- Do they get paid more for recommending certain coverages?
- How much experience to they have in personal lines coverages?
- Will the agent help in case of a claim?
- How often do they review coverages?
After getting good responses to all your questions and an acceptable price quote, most likely you have located an insurance company that can be trusted to adequately provide auto insurance.
Best car insurance company in New Orleans
Choosing the right auto insurance provider can be a challenge considering how many different companies insure vehicles in New Orleans. The company ratings in the lists below can help you decide which providers to look at comparing rate quotes with.
Top 10 New Orleans Car Insurance Companies Overall
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Top 10 New Orleans Car Insurance Companies Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
Shop smart and save
While you’re price shopping online, make sure you don’t buy poor coverage just to save money. There have been many situations where an accident victim reduced physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your goal is to purchase plenty of coverage for the lowest price, not the least amount of coverage.
You just learned some good ideas how you can reduce Mitsubishi Raider insurance car insurance rates online in New Orleans. The key thing to remember is the more rate comparisons you have, the higher your chance of finding low cost New Orleans car insurance quotes. Drivers may even discover the lowest priced insurance comes from the smaller companies. These smaller insurers may often insure only within specific states and give better rates than the large multi-state companies such as GEICO and State Farm.
More tips and info about insurance is available in these articles:
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- Who Has Cheap Car Insurance for Inexperienced Drivers in New Orleans? (FAQ)
- What is the Cheapest Car Insurance in New Orleans, Louisiana? (FAQ)
- Older Drivers FAQ (iihs.org)
- State Car Insurance Guides (GEICO)
- Airbag FAQ (iihs.org)