It takes a little time, but the best way to save money on car insurance rates is to compare prices once a year from companies who sell auto insurance in New Orleans. Rates can be compared by following these steps.
- It will benefit you to learn about what is in your policy and the changes you can make to prevent expensive coverage. Many rating factors that result in higher rates such as speeding tickets, careless driving and an unfavorable credit rating can be eliminated by making minor driving habit or lifestyle changes. This article provides more details to keep prices down and find missing discounts.
- Quote rates from direct, independent, and exclusive agents. Direct and exclusive agents can only quote rates from one company like GEICO and Allstate, while independent agents can provide prices from multiple companies.
- Compare the price quotes to your current policy premium to see if switching to a new carrier will save money. If you find a lower rate and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
- Provide adequate notice to your current company of your decision to cancel your current coverage. Submit payment and a signed application for your new policy. Be sure to keep your new certificate of insurance in your vehicle’s glove compartment or console.
A good tip to remember is to use the same level of coverage on every quote request and and to get price quotes from as many different companies as possible. Doing this enables the most accurate price comparison and maximum price selection.
It’s safe to assume that insurance companies don’t want policyholders to compare prices from other companies. Insureds who shop around for the cheapest price are likely to switch companies because there is a significant possibility of finding a policy with better rates. A recent car insurance study revealed that drivers who routinely compared rates saved approximately $850 each year compared to policyholders who never compared prices.
If finding low prices for auto insurance is your ultimate objective, then having some insight into how to shop and compare insurance coverage can save money and time.
Finding a lower price on insurance can be surprisingly simple. All that’s required is to take a couple of minutes to compare rate quotes to find out which insurance company has cheaper New Orleans car insurance quotes.
The companies shown below provide comparison quotes in Louisiana. To find cheap auto insurance in New Orleans, we suggest you get rate quotes from several of them to get a more complete price comparison.
Pontiac Vibe insurance rates and statistics
The premium information displayed next highlights estimates of prices for Pontiac Vibe models. Learning more about how rates are determined is important for drivers to make informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vibe 1.8 | $456 | $722 | $518 | $30 | $154 | $1,880 | $157 |
| Vibe 2.4 | $456 | $722 | $518 | $30 | $154 | $1,880 | $157 |
| Vibe AWD | $514 | $850 | $518 | $30 | $154 | $2,066 | $172 |
| Vibe GT | $514 | $850 | $518 | $30 | $154 | $2,066 | $172 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Louisiana minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Information does not factor in garaging location in New Orleans which can revise premium rates significantly.
Raise deductibles and save
The hardest decision when buying coverage is where should you set your physical damage deductibles. The data tables below summarize the rate difference of buying low and high coverage deductibles. The first set of rates uses a $100 deductible for physical damage and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vibe 1.8 | $400 | $722 | $394 | $24 | $118 | $1,683 | $140 |
| Vibe 2.4 | $400 | $722 | $394 | $24 | $118 | $1,683 | $140 |
| Vibe AWD | $452 | $850 | $394 | $24 | $118 | $1,863 | $155 |
| Vibe GT | $452 | $850 | $394 | $24 | $118 | $1,863 | $155 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vibe 1.8 | $222 | $380 | $394 | $24 | $118 | $1,138 | $95 |
| Vibe 2.4 | $222 | $380 | $394 | $24 | $118 | $1,138 | $95 |
| Vibe AWD | $250 | $448 | $394 | $24 | $118 | $1,234 | $103 |
| Vibe GT | $250 | $448 | $394 | $24 | $118 | $1,234 | $103 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Information does not factor in specific location which can revise premium rates substantially.
Based on this data, using a $100 deductible will cost you approximately $49 more each month or $588 a year than opting for the higher $1,000 deductible. Because you would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at a minimum 18 months between claims, you would more than likely save some money by selecting a higher deductible.
Male drivers versus female drivers
The illustration below illustrates the comparison of Pontiac Vibe annual premium costs for male and female drivers. The data is based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, single status, and no discounts are applied to the premium.
Local neighborhood insurance agents
A small number of people just want to sit down with an agent and doing so can bring peace of mind Licensed agents can point out coverage gaps and will help you if you have claims. A nice benefit of price shopping on the web is that drivers can save money and get cheap rate quotes and also buy local. Supporting local agencies is still important in New Orleans.
For easy comparison, once you complete this quick form, your coverage information is instantly submitted to local insurance agents who will gladly provide quotes and help you find cheaper coverage. It’s much easier because you don’t need to leave your house as quotes are delivered directly to you. If you wish to compare prices for a specific company, just visit that company’s website to submit a rate quote request.
If you are wanting to find a local agent, there are two types of agencies and how they can service your needs differently. Insurance agencies in New Orleans are considered either exclusive or independent (non-exclusive). Both sell auto insurance policies, but we need to point out the difference between them since it can affect buying decisions.
Independent Agencies or Brokers
Agents that elect to be independent often have affiliation with several companies so they have the ability to put coverage through many companies enabling the ability to shop coverage around. If premiums increase, an independent agent can move your coverage and you stay with the same agent. When comparing rate quotes, we recommend you compare prices from several independent insurance agents in order to have the best price comparison. They often place coverage with small regional insurance companies which may provide better rates.
The following are independent insurance agencies in New Orleans that may be able to provide free rate quotes.
- Above and Beyond Insurance Agency LLC
10001 Lake Forest Blvd #315 – New Orleans, LA 70127 – (504) 383-7432 – View Map - Lovecchio Insurance
1510 Robert E Lee Blvd – New Orleans, LA 70122 – (504) 284-7778 – View Map - Olympus Insurance Agency
101 W Robert E Lee Blvd #405 – New Orleans, LA 70124 – (504) 535-7755 – View Map
Exclusive Agencies
Agents in the exclusive channel work for only one company and some examples include American Family, State Farm, and AAA. Exclusive agencies are unable to place coverage with different providers so always compare other rates. Exclusive agents receive extensive training on sales techniques and that can be a competitive advantage. Some insured continue to buy from the same agent for years primarily because of high brand loyalty and the convenience of having all coverages with one company.
The following are exclusive agents in New Orleans that can give you rate quotes.
- LeMoine Robinson – State Farm Insurance Agent
4747 Earhart Blvd a – New Orleans, LA 70125 – (504) 218-4420 – View Map - Allstate Insurance: Daniel Occhi
4006 Canal St – New Orleans, LA 70119 – (504) 517-9080 – View Map - Josh Lorando – State Farm Insurance Agent
4200 Canal St c – New Orleans, LA 70119 – (504) 488-0001 – View Map
Selecting an insurance agent should include more criteria than just a cheap price. You should also get answers to these questions.
- Will one accident increase rates?
- Do you work with a CSR or direct with the agent?
- Will they give you a referral list?
- Will they take your side in the event of a claim?
- Can glass claims be handled at your home?
Upon receiving good feedback for all questions you ask and cheap Vibe insurance quotes, chances are good that you have found a car insurance agent that meets the requirements to properly insure your vehicles. But keep in mind it’s your policy and you can cancel a policy any time you want so don’t feel that you are obligated to any particular company indefinitely.
Louisiana auto insurance company ratings
Choosing a highly-rated auto insurance provider can be rather challenging considering how many choices drivers have in New Orleans. The ranking data in the next section may help you decide which auto insurance companies you want to consider purchasing coverage from.
Top 10 New Orleans Car Insurance Companies by A.M. Best Rank
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+