How to Get Cheap Automobile Insurance Online in Louisiana

Driving an automobile in Louisiana without insurance is a sure-fire recipe for disaster. Louisiana is one of the strictest states when it comes to uninsured motorists. That’s why so many drivers are looking to get cheap automobile insurance online in Louisiana.

Buying your car insurance online in Louisiana will most likely save you money. However, unless you have a good idea of how to fill out the forms on the auto insurance price comparison websites you won’t save nearly as much as you could.

Since each driver’s situation is different we won’t suggest specific answers to specific questions; instead we will provide you with a number of steps that virtually any driver can take in order to reduce the cost of their automobile insurance and you can pick and choose those things which best apply to you.

Let’s begin with the fact that if you park your car in a garage at night, rather than park it on the street, you will save money on your automobile insurance every single month.

If you set up an auto pay plan so your premium is paid automatically out of your checking account each month you’ll also save money.

If you increase your deductible you’ll save money instantly. You want to be careful, however, that you don’t get overenthusiastic and promise to pay a larger deductible than you can actually afford.

If you cut down on the number of miles you drive you can save a lot on your automobile insurance. Many people are now using public transportation for the bulk of their driving needs and leaving their car parked at home. If you can get your driving down to less than 500 miles per month you may qualify for the Low Mileage Discount.

A large portion of your premium is based on the number of miles you drive to and from work every month. Start or join a carpool at work. If you can cut the number of work-miles you drive in half you will greatly reduce the cost of your insurance.

If you retire - or if you completely stop driving back and forth to work for any other reason - let your agent know as this will save you even more.

Often adding a simple anti-theft device to your vehicle - such as a steering wheel lock - can save you money month after month. Ask your agent if there are any other simple and low-cost anti-theft measures you can take that will save you even more.

If you own multiple cars having them all insured by the same company saves you money.

If you have other insurance policies - such as a homeowner’s policy or a life insurance policy - consolidating them all with one company will save you money.

Keeping your driving record clean will save you a ton of money. Do not get any speeding tickets, DUIs, DWIs or other moving violations on your driving record.

Don’t waste your money paying for collision or comprehensive insurance on vehicles that are so old or so beat-up that they no longer have any Kelly Blue Book value.

And, of course, buy your insurance online. However, don’t get lazy and make the mistake of just making price comparisons on only one website. If you’re serious about getting the cheapest automobile insurance you can then you’ll need to fill out the forms on at least 3 automobile insurance price comparison websites.

You’ll also need to use the information you’ve gathered from this article and input the exact same answers into the forms on all 3 sites. That way you are making a true comparison and saving the most money.

Once that’s completed then so is your job. All that’s left is to look over all of the results you found and pick the lowest-priced policy. This is how to get cheap automobile insurance online in Louisiana and laugh all the way to the bank each and every month.