How to Use a Car Insurance Calculator

Louisiana Car Insurance Calculator

When it comes to car insurance in Louisiana, your age, driving record, location and the type of coverage all play a role. Furthermore, knowing your discounts and how to take advantage of them will help determine your rate for the lowest possible expense.

Saving money on Louisiana auto insurance is easy when you get quotes from multiple companies. Our car insurance comparison engine helps you locate and compare rates from top insurers, giving you the power to find an affordable policy in your state that meets all of your needs.

No matter if you’re new to Louisiana or have lived here for years, finding the right policy can be tricky. To help save you money, we’ve compiled this guide that explains how to compare car insurance in Louisiana and save money.

How to Select the Ideal Insurance Company for Your Needs

A common mistake drivers make is selecting an inappropriate insurer based on price alone. Before making a decision, be sure to consider customer service and how well the company handles claims. A trustworthy provider should offer superior support if you ever need to file a claim, allowing you to get back on the road quickly and hassle-free.

How to Reduce Your Insurance Costs

Your credit history is one of the biggest factors in determining how much car insurance you’ll pay. A poor history could make you appear as a higher-risk driver, leading to higher rates. The good news is there are ways you can improve your credit score in order to reduce those pesky fees.

Start by checking your credit score and paying off any outstanding balances or loans you have. If this is possible, expect your rates to drop by an average of 55%.

If you’re dissatisfied with your current carrier’s rate or customer service, it may be wise to shop around. Our comparison tool makes this easy; simply enter your ZIP code for customized quotes from top insurance companies.

With a clean driving record, it’s often easy to qualify for discounts. These can range from low mileage discounts to young driver safety programs.

You may also take a defensive driving course or enroll in a driver-monitoring program to earn discounts on your Louisiana auto insurance policy. Some of these initiatives require that you opt in, but most automatically apply the discount when you do.

Another way to save on Louisiana car insurance is by decreasing your liability coverage to minimum levels. Doing this could reduce your premium by as much as $2,500 annually.

By adding your spouse to your policy, you may reduce your premium by up to 16 percent. However, this discount is not as significant as some other discounts you may qualify for.

You may be able to save on your Louisiana auto insurance by forgoing collision and comprehensive coverage. Depending on the level of protection you select, these could reduce your yearly premium by up to 25%.