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July 22, 2024
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How to Lower Auto Insurance Rates in Louisiana

Auto insurance rates in Louisiana are rising, but several strategies can help you lower your premiums. The following are some tips to help you reduce your auto insurance costs in the Pelican State.

Take Advantage of Discounts

Insurance companies offer a variety of discounts that can help reduce your premiums. Common discounts include the following: White Land Rover Range Rover Suv on Road, auto insurance

  • Good driver discount—Maintaining a clean driving record can help you qualify for this discount.
  • Multi-policy discount—You may receive a discount by bundling your auto insurance with other policies, such as homeowners or renters insurance.
  • Good student discount—Students with good grades can often receive lower rates.
  • Safety features discount—Cars equipped with safety features like anti-lock brakes, airbags and anti-theft devices may qualify for discounts.
  • Low mileage discount—You may be eligible for a discount if you drive fewer miles than the average driver.

Improve Your Credit Score

In Louisiana, your credit score can impact your auto insurance rates. Insurance companies may use credit scores to assess risk, so improving your credit score might lead to lower premiums. Pay your bills on time, reduce your debt and monitor your credit report for errors.

Increase Your Deductible

Raising your deductible—the amount you pay out of pocket before insurance kicks in—can lower your premiums. However, make sure you have enough savings to cover the higher deductible in case of an accident.

Maintain a Clean Driving Record

Your driving history can play a significant role in determining your insurance rates. Avoid traffic violations, accidents and claims to keep your driving record clean. Some insurance companies offer accident forgiveness programs, which may prevent your rates from increasing after your first at-fault accident.

Consider Usage-Based Insurance

Usage-based insurance programs, or telematics, use technology to monitor your driving habits, tracking factors such as speed, braking and the time of day you drive. If you are a safe driver, you can receive discounts based on your driving behavior.

Review Your Coverage

Evaluate your current coverage and determine if you need all the coverage types and limits you have. For example, you might consider dropping comprehensive and collision coverage if you have an older vehicle. However, make sure you still meet Louisiana’s minimum insurance requirements.

Take a Defensive Driving Course

Completing a defensive driving course can make you a safer driver and may qualify you for a discount on your auto insurance. Check with your insurance provider to see which courses they might approve for discounts.

Contact Liberty Professonal Insurance Services LLC

Contact us today to learn more about saving on auto insurance in Gretna, New Orleans, Metairie, Slidell, and Baton Rouge, Louisiana.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.

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