It’s easy to assume that insurance companies don’t want customers comparing rates. Drivers who compare other prices will probably switch to a new company because there is a good probability of finding a lower rate. A recent survey found that drivers who shopped around annually saved $865 annually compared to drivers who never compared rates.
If saving money on car insurance is why you’re here, knowing how to quote prices and compare insurance premiums can save time and money.
The best way we recommend to find cheaper Cadillac Seville insurance is to start comparing prices yearly from insurance carriers that sell auto insurance in New Orleans. Price quotes can be compared by following these steps.
- First, try to understand the different coverages in a policy and the changes you can make to prevent rate increases. Many risk factors that result in higher prices like speeding and a substandard credit score can be eliminated by making small lifestyle or driving habit changes.
- Second, quote rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from one company like GEICO and Allstate, while agents who are independent can quote rates for a wide range of companies.
- Third, compare the new rates to your existing rates and determine if there is any savings. If you find better rates and decide to switch, make sure there is no lapse in coverage.
A good tip to remember is to try to compare identical limits and deductibles on every quote and to quote with as many companies as possible. Doing this ensures a fair price comparison and a better comparison of the market.
If you have a current car insurance policy or are looking for a new policy, use these tips to reduce premiums without reducing protection. Comparing quotes for affordable protection in New Orleans is not as time-consuming as you think. Vehicle owners just have to know the fastest way to compare prices from many companies at once.
Lower Your New Orleans Insurance Costs
It’s important that you understand the factors that aid in calculating your car insurance rates. When you understand what influences your rates, this empowers consumers to make smart changes that can earn you much lower annual insurance costs.
Being married equates to better rates – Getting married can actually save you money compared to being single. Marriage translates into being more mature than a single person it has been statistically shown that drivers who are married are more cautious.
A coverage lapse can increase rates – Having a lapse in insurance coverage will be a quick way to increase your rates. Not only will you pay higher rates, the inability to provide proof of insurance may earn you a revoked license or a big fine. You could then be forced to prove you have insurance by filing a SR-22 with the Louisiana motor vehicle department to get your license reinstated.
Cheaper car insurance rates using alarms and GPS tracking – Buying a car that has an advanced theft prevention system can save you some money. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop car theft and help bring rates down.
Battle of the sexes – Statistics demonstrate women are more cautious behind the wheel. The data does not necessarily mean that females are better at driving than males. Females and males get in fender benders in similar percentages, but males have accidents that have higher claims. They also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly. Male teenagers have the highest risk to insure and are penalized with high car insurance rates.
Lower mileage equals lower premium – The more miles you rack up on your Cadillac in a year the more you’ll pay to insure your vehicle. Most insurance companies charge to insure your cars based upon how much you drive. Autos that sit idle most of the time can get a lower rate than vehicles that have high annual mileage. Having the wrong rating on your Seville is just wasting money. Verify your car insurance declarations sheet properly reflects how each vehicle is driven, because it can save money.
Excellent credit saves on car insurance – Your credit history is a big factor in determining your rates. If your credit can be improved, you may save money insuring your Cadillac Seville by improving your credit score. Consumers who have excellent credit tend to file fewer claims than those with lower credit ratings.
An active car insurance claims history can cost you more – Auto insurance companies in Louisiana generally give cheaper rates to insureds who do not file claims often. If you file claims often, you can look forward to increased rates or even have your policy non-renewed. Your insurance policy is meant to be used in the event of claims that you cannot pay yourself.
Rates impacted by your city – Choosing to live in less populated areas of the country is a positive aspect when trying to find low car insurance rates. Drivers in populated areas regularly have more auto accidents and a longer drive to work. Fewer drivers translates into fewer accident claims and a lower car theft rate.
Ratings for New Orleans auto insurance companies
Selecting a good quality car insurance company is hard considering how many choices you have in New Orleans. The company information in the next section may help you analyze which car insurance providers to look at when looking for cheaper rates.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
In the end, you can save money
Drivers who switch companies do it for many reasons like policy non-renewal, high prices, high rates after DUI convictions and being labeled a high risk driver. It doesn’t matter why you want to switch finding the right car insurance provider can be less work than you think.
When trying to cut insurance costs, never buy less coverage just to save a little money. There are a lot of situations where drivers have reduced full coverage only to regret at claim time they didn’t have enough coverage. Your aim should be to buy a smart amount of coverage at the best cost and still be able to protect your assets.
The cheapest Cadillac Seville insurance in New Orleans can be sourced online as well as from independent agents in New Orleans, so you need to quote New Orleans auto insurance with both to have the best chance of lowering rates. Some companies may not have rates over the internet and these smaller companies prefer to sell through independent agencies.
Other learning opportunities
- Five Mistakes to Avoid (Insurance Information Institute)
- Who Has Affordable Car Insurance Rates for Teenage Males in New Orleans? (FAQ)
- Who Has the Cheapest New Orleans Auto Insurance for Postal Workers? (FAQ)
- What is a Telematics Device? (Allstate)
- Rental Car Insurance Tips (Insurance Information Institute)
- Child Safety FAQ (iihs.org)