If you want to save money, the best way to find cheaper auto insurance rates in New Orleans is to do an annual price comparison from insurance carriers who sell insurance in Louisiana. Drivers can shop around by following these steps.
First, learn about individual coverages and the things you can control to prevent expensive coverage. Many factors that result in higher prices such as traffic citations, accidents, and a poor credit score can be remedied by making lifestyle changes or driving safer. Later in this article we will cover more details to help keep rates affordable and get bigger discounts that may have been overlooked.
Second, request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from one company like GEICO or Farmers Insurance, while agents who are independent can provide rate quotes from multiple companies. Get quotes now
Third, compare the new rate quotes to your current policy to see if a cheaper price is available. If you can save money and change companies, ensure coverage does not lapse between policies.
An essential thing to point out is to use the same amount of coverage on each quote request and and to get prices from all possible companies. Doing this provides an apples-to-apples comparison and the best rate selection.
A recent NerdWallet.com study revealed that the vast majority of consumers have stayed with the same insurance company for at least four years, and 38% of customers have never even compared quotes to find cheap rates. The average driver in Louisiana could save as much as 35% every year by just comparing quotes, but they don’t believe how much they could save if they switched to a more affordable policy.
All the larger auto insurance companies make it easy to get prices for coverage on the web. This process is quite simple as you just enter your coverage preferences into the quote form. When complete, the quote system will order information on your driving record and credit history and gives you a price quote based on the information you submitted.
Getting online rates for Buick Century insurance in New Orleans streamlines rate comparisons, and it’s absolutely necessary to do this in order to get the cheapest possible prices on auto insurance.
To save time and fill out one form to compare multiple rates now, visit the companies below or click here to submit a quote request to multiple companies at once. To compare your current rates, we recommend you duplicate the insurance coverages exactly as shown on your declarations page. This ensures you will get an apples-to-apples comparison based on similar coverages.
The providers in the list below are ready to provide price quotes in Louisiana. If multiple companies are listed, it’s highly recommended you get price quotes from several of them in order to get a fair rate comparison.
Lower-cost Buick Century insurance rates in New Orleans
Car insurance is not an enjoyable expense, but you might find some hidden discounts that could drop your premiums quite a bit. A few discounts will be applied when you get a quote, but once in a while a discount must be inquired about before you get the savings.
- Cautious Drivers – Drivers who don’t get into accidents may save up to 50% more than their less cautious counterparts.
- Renewal Discounts – Select companies give a discount for renewing your policy before your current expiration date. It could save around 10% when you buy New Orleans auto insurance online.
- Sign Online – Some of the larger companies will provide an incentive for signing up on the web.
- Low Miles Discount – Keeping the miles down on your Buick may enable drivers to earn slightly better prices than normal.
- Smart Student Discounts – A discount for being a good student can get you a discount of up to 25%. Most companies allow this discount up until you turn 25.
- Auto/Home Discount – If you can combine your home and auto policy and place coverage with the same company you may earn up to 20% and get you cheap Century insurance.
A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the cost of specific coverages such as comprehensive or collision. Even though it appears all the discounts add up to a free policy, that’s just not realistic. Any amount of discount will lower your overall premium however.
Larger car insurance companies and a partial list of their discounts can be read below.
- Farm Bureau offers discounts for renewal discount, safe driver, driver training, 55 and retired, and multi-vehicle.
- Liberty Mutual discounts include newly retired, newly married, safety features, preferred payment discount, hybrid vehicle, and new move discount.
- State Farm offers premium reductions for Drive Safe & Save, anti-theft, good driver, Steer Clear safe driver discount, driver’s education, safe vehicle, and defensive driving training.
- Auto-Owners Insurance has discounts for anti-theft, mature driver, paperless, safe driver, and company car.
- GEICO includes discounts for federal employee, emergency military deployment, military active duty, defensive driver, multi-vehicle, and multi-policy.
- SAFECO may offer discounts for bundle discounts, anti-lock brakes, multi-car, safe driver, and teen safe driver.
Before purchasing a policy, check with every company which discounts they offer. Some discounts might not be offered in New Orleans. To see a list of insurers who offer car insurance discounts in Louisiana, click this link.
Learn How to Lower Your Insurance Costs
Lots of things are used in the calculation when you quote your car insurance policy. Some of the criteria are obvious such as traffic violations, but others are more obscure like your continuous coverage or how safe your car is. The best way to find cheaper auto insurance is to take a look at the rating factors that come into play when calculating auto insurance rates. If you understand what positively or negatively impacts your premiums, this helps enable you to make changes that may result in lower premium levels.
Add-on coverages that aren’t used – Insurance companies have many extra add-on coverages that sound like a good idea at the time on your Century policy. Insurance for things like roadside assistance, accident forgiveness, and Farm Bureau memberships may be wasting your money. The coverages may be enticing when talking to your agent, but your money might be better spent on other coverage so remove them from your policy.
Pay less if you’re married – Getting married can actually save you money when buying auto insurance. Having a significant other demonstrates that you tend to be more mature and insurance companies like that married couples file fewer claims.
Keep prices low by being claim-free – If you file a lot of claims you can pretty much guarantee much higher rates or policy non-renewal. Insurance companies in Louisiana provide cheaper rates to drivers who file claims infrequently. Your insurance policy is intended for larger claims.
Low deductibles cost more – Comp and collision deductibles define how much you are willing to pay out-of-pocket before a claim is paid by your company. Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your car from damage. A few examples of covered claims are rear-ending another vehicle, animal collisions, or theft of your vehicle. The more damage repair cost the insured is willing to pay, the lower your rates will be.
Careless drivers pay higher rates – Your driving citation history has a lot to do with how much you pay for insurance. Drivers who don’t get tickets pay lower auto insurance prices than bad drivers. Having a single speeding ticket or other violation can increase rates substantially. Drivers who get careless violations like reckless driving or DUI may find that they have to to maintain a SR-22 with their state in order to drive a vehicle legally.
Independent versus exclusive auto insurance agents
Some consumers still like to have an agent’s advice and often times that is recommended An additional benefit of price shopping on the web is you can get the lowest rates and still buy from a local agent. Buying insurance from neighborhood agents is still important in New Orleans.
To help locate an agent, after submitting this form (opens in new window), your insurance data is instantly submitted to companies in New Orleans that give free quotes for your business. It makes it easy because there is no need to drive around because prices are sent to you instantly. You’ll get the best rates without requiring a lot of work. If you want to compare prices from a specific company, you would need to find their quoting web page and fill out their quote form.
Compare rates from both independent and exclusive car insurance agents
When searching for local New Orleans agents, there are two different types of agencies and how they are distinctly different. Agents in New Orleans can either be independent agents or exclusive agents.
Independent Insurance Agencies
These agents do not have single company limitations and that gives them the ability to insure with many different companies enabling the ability to shop coverage around. If they find a cheaper price, they simply move your policy to a different company and that require little work on your part. When comparison shopping, you need to check rates from independent agents in order to have the best price comparison. Many can place coverage with mutual insurance companies that can offer cheaper rates than bigger companies.
Shown below are independent insurance agencies in New Orleans that may be able to give free rate quotes.
- Hartwig Moss Insurance Agency
2626 Canal St #3 – New Orleans, LA 70119 – (504) 525-9901 – View Map - Whitney Insurance Agency
650 Poydras St Suite 1500 – New Orleans, LA 70130 – (504) 581-5353 – View Map - Bob Swanson Insurance
824 Elmwood Park Blvd #295 – New Orleans, LA 70123 – (504) 734-0305 – View Map
Exclusive Insurance Agencies
Exclusive agents generally can only insure with one company and some examples include State Farm, Allstate, and Farm Bureau. These agents are not able to provide prices from multiple companies so if the price isn’t competitive there isn’t much they can do. They are usually well trained in insurance sales which helps them sell on service rather than price. Some insured continue to buy from exclusive agents partially due to the brand and the convenience of having a single billing for all their coverages.
Below is a list of exclusive insurance agencies in New Orleans who can help you get comparison quotes.
- State Farm – Mia DeLouise
5638 Jefferson Hwy – New Orleans, LA 70123 – (504) 739-7979 – View Map - Ed Buckley – State Farm Insurance Agent
4822 Prytania St – New Orleans, LA 70115 – (504) 891-2886 – View Map - Wayne Leone – State Farm Insurance Agent
1701 S Carrollton Ave – New Orleans, LA 70118 – (504) 865-1101 – View Map
Deciding on an insurance agent requires more thought than just a cheap price. Some important questions to ask are:
- Will they take your side in the event of a claim?
- Are there any extra charges for paying monthly?
- Are they actively involved in the community?
- How does the company pay claims for a total loss?
- Does the company have a local claim office in New Orleans?
- Is the agent CPCU or CIC certified?
- How often do they review policy coverages?
What is the best auto insurance company in Louisiana?
Picking a high-quality insurance company can be challenging considering how many companies there are to choose from in New Orleans. The company ratings in the lists below could help you select which companies to look at purchasing from.
Top 10 New Orleans Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
What is YOUR best insurance company?
We just covered a lot of techniques to find cheap Buick Century insurance in New Orleans. It’s most important to understand that the more quotes you get, the better your comparison will be. You may even discover the lowest car insurance rates are with some of the lesser-known companies.
As you prepare to switch companies, don’t be tempted to reduce needed coverages to save money. There are many occasions where consumers will sacrifice full coverage to discover at claim time that they should have had better coverage. Your goal should be to buy a smart amount of coverage at a price you can afford and still be able to protect your assets.
Cheaper auto insurance in New Orleans can be found on the web and also from your neighborhood New Orleans agents, and you should compare price quotes from both in order to have the best chance of saving money. A few companies do not offer price quotes online and most of the time these small, regional companies only sell through independent insurance agencies.
To read more, take a look at the following helpful articles:
- Speed and Speed Limit FAQ (iihs.org)
- What Car Insurance is Cheapest for Drivers with a DUI in New Orleans? (FAQ)
- Who Has Cheap New Orleans Car Insurance for Veterans? (FAQ)
- How Much is Car Insurance for a Nissan Versa in New Orleans? (FAQ)
- Auto Insurance Basics (Insurance Information Institute)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Rental Reimbursement Coverage (Allstate)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)