Let's start with something simple. Pay your premium each month automatically out of your checking account. Automatic payments save your insurance company money and they pass the savings on to you.
Keep your car in a garage at night. Garaging your car will save you money each and every month.
Join a carpool at work. If there isn't a carpool already, start one. A large part of your monthly premium is based on the number of miles you drive every day in rush hour traffic to get back and forth to work. If you can cut that number of miles in half every month you will save a great deal on your insurance.
If you retire let your agent know. If you are no longer driving to and from work every day you will save even more.
Can you use public transportation for the bulk of your "driving" every month? If you can leave your car at home and cut your driving down to under 500 miles per month you just may qualify for a rather hefty Low Mileage Discount.
If you're under 25 stay in school and work hard. Students who maintain at least a 3.0 grade average can qualify for a Good Student Discount.
Don't pay for collision and comprehensive insurance if your car has little or no Kelly Blue Book value left in it.
Keep your driving nose clean. That means don't get any speeding tickets or other moving violations and whatever you do don't get a DUI or a DWI on your driving record or you won't see the best rates on car insurance in Louisiana or anywhere else for at least 3 years.
Ask your agent if you could save money every month by purchasing a simple steering wheel locking device. Your agent may have suggestions for other simple and inexpensive anti-theft devices that could save you money month after month on your car insurance.
You could increase your deductible. Increasing your deductible is one of the quickest and easiest ways of reducing the monthly cost of your car insurance. The downside is that if you have a claim you'll be asked to come up with the deductible out of your own purse or pocket so you have to consider carefully how much of a deductible you can really afford.
Buy your car insurance online. Don't just look at one car insurance price comparison website. If you really want to be sure that you are savings as much money as possible and getting the best rates on car insurance in Louisiana then you'll need to check out the prices on a minimum of 3 different sites.
You'll also need to use the exact same answers every time you fill out a form on one of the sites so that you will be comparing the same car insurance policy across all three sites.
But once you've made your price comparisons the rest is easy - just pick the best price you find. As simple as it seems, this really is how to get the best rates on car insurance in Louisiana and guarantee that you'll save money month after month, year after year.
And you don't have to. There are ways to reduce your car insurance rates to the point where you can afford to drive in Missouri.
Start by driving defensively and sensibly. Speeding or drunk or impaired driving convictions will cause your car insurance rates to more than double in some cases. And that doesn't take into consideration the legal consequences of such actions ? don't speed and don't drink and drive.
Use your seatbelts. A ticket for not using your seatbelt can also raise you car insurance premiums.
If you are in school stay there and keep your grades up so that you will qualify for any Good Student discounts that your car insurance company offers. If you're 55 or older ask if your car insurance company offers a discount for drivers who take (and pass) a driver's review program.
If you have more than one car be sure to insure all of them with the same company. Likewise, if you have other insurance policies, such as health insurance or homeowner's insurance be sure they are also held by the same company ? you often get a substantial multi-policy discount.
If you have gone for at least 3 years without an accident or a claim ask if there is a good-driver discount.
If you drive fewer than 12,000 miles per year check to see if there is a limited-use discount that applies to you.
Depending on the age and condition of your car ? and whether or not your car still has any Blue Book value ? you may want to consider dropping comprehensive coverage. This will save you money but will result in you having to pay for any repairs to your car in case of an accident.
Realistically determine how large of a deductible you can afford to pay. The deductible is the amount you will pay for any claim before you ask your insurance company to pay anything. The larger your deductible the lower your car insurance premium will be.
Now it's time to go online and compare car insurance policies and prices among as many different car insurance companies as possible. To do this you will need to enter all of your information onto the form on at least 3 different websites since no one website compares the prices of every car insurance company in Missouri.
It can be a bit of work and take a bit of time, but once you've made all of the comparisons and found the best rates on car insurance in Missouri, you'll be laughing all the way to the bank for years to come.
Both Alexis Jensen & Gavin Bloom are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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