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Archive for category cheap car insurance

How To Lower Auto Insurance New Orleans Louisiana

Jul 14

Posted by admin in cheap car insurance | Comments off

I am buying my car next month. Can you give me an idea what type of car I should buy to get lower car insurance premium in New Orleans?

David

New Orleans Louisiana

 

Do you consider the price of your car insurance before you buy your vehicle in New Orleans? You should. According to the The Highway Loss Data Institute the type of the car and other features are being considered by your car insurance companies as well as the type of injury or accident associated to the vehicle.

Before you buy your car, here are some of the things you need to consider to get lower car insurance rate.

1. A four door car has fewer claims associated with theft compared to the two door car

2. The cost to repair a vehicle is also being considered when you get car insurance. The safety features installed in your car is also being considered that help keep down car insurance claims.

3. The National Insurance Crime Bureau provides list of vehicles that are frequently stolen so make sure you avoid buying those type of cars.

4. The Highway Loss Data Institute states that big cars has the lowest injury claims while small 2 and 4 doors have the highest injury claims.

5. Sports and high performance cars are the most expensive cars to insure so if you want to get lower car insurance premium, make sure you do not buy any high performance cars.

6. Once you have decided which car you want to buy, you can start getting quotes online to know which companies offer the best price for the type of car you want. Once you are certain on a vehicle to buy it is very easy to then just to go ahead and purchase your car insurance policy online.

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Cheapest Senior Citizen Louisiana Auto Insurance

Jun 15

Posted by admin in cheap car insurance | Comments off

I am retiring soon. I would like to know if I can get any discounts on my car insurance. I heard that you can get discounts when you reach between the ages of 50 and 70. Is it true?

Mike

Baton Rouge, LA

 

Yes it is true. Most car insurance providers extend a discount to drivers between the ages of 50 and 70.

Senior citizen car insurance plays an important role in your monthly expenses. I am sure you want to obtain the best rate possible right now. Here are some of the things you can do to lower your car insurance premium.

1. Ask your insurance agent to compare senior citizen car insurance with other insurers or you can shop around yourself and get as many quotes as possible from other insurers.

2. Inform your agent that you want to get as many discounts that you may be eligible of to lower your car insurance premium.

3. If you do not drive your vehicle on a regular basis, you may be entitled to get low mileage discount. Below average miles of 7,500 on your car can offer you big savings on your insurance.

4. If you are a member of an organization, you may be entitled for discounts as well. Example of an organization would be the The American Association of Retired Persons (AARP).

5. Car insurance agents often compare rates between many insurers so ask your agent to shop around for the cheapest senior citizen car insurance policies.

6. If you have an improved credit standing, you are on your way to an excellent rate.

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Cheap Auto Insurance Rate Louisiana

Jan 18

Posted by admin in cheap car insurance | Comments off

I will be adding another driver under my auto insurance. I’d like to know, is it really more expensive if I add another driver? How will this affect the cheap auto insurance rate I have now? I am from Louisiana if that would help you.

Renee

Baton Rouge, LA

Normally, adding another driver under your car insurance is more expensive thus it will affect the cheap auto insurance rate you have currently.

The reason for this is because your own auto insurance company is taking the risk to insure another person under your policy. Your insurance company will look at that driver’s record for the purpose of setting auto insurance rates for you. If that driver has poor driving record thus it will greatly affect your cheap auto insurance rate because once you’ve added him under your policy, your car insurance company will now insure a person who is deem to be riskier to be insured. Your insurance company must inform you if there are any changes on your auto insurance rate.

Let me just remind you that auto insurance companies rules and guidelines differ from each other. With this, I am not saying that adding another driver entails expensive auto insurance rates at all times. There may be some cases that even after adding another driver, a policyholder may not see a change on his or her auto insurance rate.

For clarification on this matter, I would suggest checking with your car insurance agent to know on how this would affect the cheap auto insurance rate you have at present.

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Cheap Auto Premiums Sulphur Louisiana

Sep 17

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What are the best and worst states for auto insurance rates?

Carla

Sulphur LA.

 

Carla,

 Any motorist who’s braved the traffic-choked streets of New York City, the breakneck pace of the New Jersey Turnpike, or the nearly out-of-control chaos of Interstate 95 will not be surprised to learn that the Northeast is home to four of the six most expensive states for auto insurance, according to figures from the National Association of Insurance Commissioners. The number of claims filed, and how expensive those claims are, are the primary drivers for insurance prices.Average auto insurance premiums Show the average annual premiums in this state:

 

Alabama,Alaska,Arizona,Arkansas,California,Colorado,

Connecticut,Delaware,DistrictofColumbia,Florida,Georgia,

Hawaii,Idaho,Illinois,Indiana,Iowa,Kansas,Kentucky,

Louisiana,Maine,Maryland,Massachusetts,Michigan,

Minnesota,Mississippi,Missouri,Montana,Nebraska,

Nevada,NewHampshire,NewJersey,NewMexico,

NewYork,NorthCarolina,NorthDakota,Ohio,

Oklahoma,Oregon,Pennsylvania,

RhodeIsland,SouthCarolina,.SouthDakota,

Tennessee,Texas,Utah,Vermont,

Virginia,Washington,West Virginia,Wisconsin,Wyoming.

 

In 2005 nationwide (the latest figures available), the average annual combined premium was $949 (that includes liability, collision and comprehensive coverages).

 

Washington, D.C., ranks highest in the nation for combined average annual auto insurance rates: The latest figures show an average annual combined premium of $1,342.80. In the No. 2 spot is New Jersey, followed by New York, Louisiana, Rhode Island and Massachusetts.

 

 Hope this question answers your question. You can also go to this website and answer a few questions and with a click of the mouse be able to compare  several rates.

 

Thank you.

 

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