Money Saving Tips for Louisiana Car Insurance

January 10, 2013

We said it in our last post—Louisiana car insurance is not cheap. Here are a few tips to help you save money on your auto insurance.

money saving tips for louisiana car insurance

Photo Credit: 401(K) 2013 (Creative Commons)

On average, people living in Louisiana pay a higher percentage of their income toward car insurance premiums than any other state, except Michigan.

So it’s not surprising you’re searching for ways to lower your monthly premiums. Beyond having a clean driving record, here are few money saving tips for purchasing Louisiana car insurance:

Shop Around at Guffey Insurance Agency, Inc.

The number one reason why many people pay too much for auto insurance in Louisiana is that they don’t take the time to shop around and compare prices and coverage options from several insurance providers. Prices vary from company to company, so it makes sense to review all your options.

There are several ways to compare Louisiana car insurance rates, but the fastest, easiest, and most effective way is to work with an independent insurance agency like Guffey Insurance Agency. We’re not bound to any one insurance provider, which means we can help you find the coverage that’s best for you.

Take Advantage of Multi-Policy Discounts

Many insurance providers offer multi-policy discounts if you purchase two or more types of insurance from them. You can even get a discount if you insure more than one car. Guffey Insurance Agency has the ability to package your homeowners policy with your auto policy with one carrier or separate even carriers to ensure you get the most discounts possible.

Raise Your Deductible

One sure-fire way to lower your monthly auto insurance premiums is to raise your deductible, the amount you pay before you insurance policy kicks in. A higher deductible will lower your cost substantially.

However, before choosing a higher deductible, you’ll need to make sure you have enough money set aside to pay your deductible if you’re in a car accident. Talk with the agents at Guffey Insurance to determine the deductible that makes financial sense for you.

For more help saving money on Louisiana car insurance, start by getting a free, comparative auto insurance quote from Guffey Insurance Agency, Inc. We’ll make sure you’re getting the best price and coverage for you.