It’s a known fact that auto insurance companies don’t want their policyholders to compare prices. Consumers who shop around for cheaper price quotes are inclined to switch companies because there is a great chance of getting low-cost coverage. A recent study showed that drivers who make a habit of shopping around saved as much as $3,500 over four years compared to policyholders who don’t make a habit of comparing rates.
If finding the best rates on car insurance in New Orleans is your ultimate target, then understanding the best way to shop and compare insurance coverage can make it simple to find affordable coverage.
If your goal is the lowest price, then the best way to find cheaper quotes for auto insurance rates in New Orleans is to compare prices at least once a year from different companies that sell auto insurance in Louisiana. You can compare rates by following these guidelines.
- Try to comprehend how insurance works and the measures you can control to drop your rates. Many factors that cause rate increases such as traffic violations, accidents, and a lousy credit rating can be amended by making lifestyle changes or driving safer.
- Compare price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like Progressive and State Farm, while independent agencies can provide price quotes for a wide range of companies. Compare rates
- Compare the new rate quotes to the premium of your current policy and determine if there is any savings. If you can save money and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
- Tell your current company of your intent to cancel your current car insurance policy. Submit a completed application and payment to your new carrier. Once received, put the new certificate verifying coverage in an accessible location in your vehicle.
One bit of advice is that you’ll want to make sure you compare similar coverage information on every price quote and and to get rate quotes from as many companies as feasibly possible. This ensures a fair price comparison and a good representation of prices.
The easiest way to compare car insurance rates for Tesla Model X insurance in New Orleans is to realize most of the larger companies participate in online systems to give rate comparisons. The only thing you need to do is provide details including whether the vehicles are used for commuting, if the car is leased, driver details, and if you have an active license. Those rating factors is instantly sent to insurance carriers in your area and you receive quotes immediately.
If you would like to start a quote now, click here and find out if you can get cheaper insurance in New Orleans.
The providers in the list below have been selected to offer free rate quotes in New Orleans, LA. To find cheap auto insurance in Louisiana, it’s a good idea that you get rate quotes from several of them in order to find the most affordable rates.
Discounts mean cheaper rates for Tesla Model X insurance in New Orleans
Car insurance companies don’t necessarily list every discount they offer in a way that’s easy to find, so we break down some of the more common and the more hidden discounts that you can inquire about if you buy New Orleans car insurance online.
- Buy New and Save – Buying insurance coverage on a new vehicle can save up to 30% since newer vehicles are generally safer.
- New Orleans Homeowners Pay Less – Just owning your own home can help you save on insurance because maintaining a house means you have a higher level of financial diligence.
- Good Student – Excelling in school could provide a savings of up to 20% or more. Earning this discount can benefit you up to age 25.
- Defensive Driver – Taking a class that teaches safe driver techniques could earn you a small percentage discount and make you a better driver.
- Discount for Multiple Policies – If you can combine your auto and home policy with the same company they may give you a discount of 10% to 20% off each policy.
- Safe Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less than drivers with accident claims.
- Professional Organizations – Participating in qualifying employment or professional organizations may earn a discount on your policy.
Remember that most discounts do not apply to the entire cost. Most only cut individual premiums such as comp or med pay. Even though it may seem like adding up those discounts means a free policy, companies don’t profit that way.
Some companies who might offer these discounts include:
It’s a good idea to ask each insurance company how many discounts you can get. All car insurance discounts might not be available to policyholders in every state. If you would like to see a list of providers with discount insurance rates in Louisiana, follow this link.
When should I have guidance from an agent?
Certain consumers still prefer to buy from a licensed agent and doing so can bring peace of mind Professional agents can help you choose the best coverages and will help you if you have claims. The best thing about getting online price quotes is that you can obtain the lowest rates and still buy from a local agent.
To find an agent, once you fill out this simple form, your information is sent to agents in your area who will give you bids for your coverage. It simplifies rate comparisons since you won’t have to find an agent on your own since rate quotes are delivered to you directly. If you wish to quote rates from a specific insurance company, you would need to search and find their rate quote page and complete a quote there.
Choosing a provider should depend on more than just the price. These are valid questions to ask:
- Where would your vehicle be repaired?
- How long have they worked with personal auto insurance coverage?
- Will the agent help in case of a claim?
- Are they giving you every discount you deserve?
- Does the agency have a positive business rating?
- How much can you save by raising your physical damage deductibles?
When looking for an insurance agent, it can be helpful to understand the types of agencies that you can select. Agents can be categorized as either independent agents or exclusive agents depending on their employer. Either type can insure your vehicles properly, but it’s important to point out the difference between them since it could factor into the type of agent you choose.
Exclusive Agents
These agents generally can only insure with one company such as Farmers Insurance and State Farm. Exclusive agencies are unable to provide other company’s prices so they are skilled at selling on more than just price. Exclusive agents receive a lot of sales training on what they offer and that can be a competitive advantage.
Shown below is a list of exclusive agents in New Orleans who may provide you with rate quotes.
State Farm: Chris Nolan
Place St. Charles, 201 St Charles Ave #224 – New Orleans, LA 70170 – (504) 522-9560 – View Map
Reggie Glass – State Farm Insurance Agent
3800 Elysian Fields Ave – New Orleans, LA 70122 – (504) 944-4444 – View Map
Manny Hidalgo – State Farm Insurance Agent
3837 MacArthur Blvd – New Orleans, LA 70114 – (504) 362-1919 – View Map
Independent Agents
Agents that choose to be independent do not sell for just one brand and that enables them to quote your coverage with lots of companies and find the cheapest rate. If prices rise, they simply move your policy to a different company without you having to go to a different agency.
When searching for an agent, it’s recommended you compare prices from multiple independent agents so that you have a good selection of quotes to compare.
Shown below is a short list of independent agents in New Orleans who can help you get comparison quotes.
Daul Insurance
94 Westbank Expressway Trail – Gretna, LA 70053 – (504) 362-0667 – View Map
Hartwig Moss Insurance Agency
2626 Canal St #3 – New Orleans, LA 70119 – (504) 525-9901 – View Map
Lovecchio Insurance
1510 Robert E Lee Blvd – New Orleans, LA 70122 – (504) 284-7778 – View Map
How much car insurance do I need?
When it comes to choosing adequate coverage, there really is not a perfect coverage plan. Everyone’s situation is unique.
Here are some questions about coverages that can help discover whether or not you might need an agent’s assistance.
- Does rental coverage apply when I am renting a car?
- Is my camper covered for physical damage?
- Do I need medical payments coverage since I have good health insurance?
- Why am I required to get a high-risk car insurance policy?
- When can I cancel my policy?
- Should I sign the liability waiver when renting a car?
- Am I covered while delivering pizza?
If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can provide invaluable advice.
New Orleans car insurance companies
Buying coverage from the highest-rated insurance company can be a challenge considering how many companies are available to choose from in Louisiana. The ranking information shown below can help you select which companies you want to consider buying from.
| 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
Car insurance coverages and their meanings
Having a good grasp of your car insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.
Medical expense insurance
Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like dental work, ambulance fees, nursing services and prosthetic devices. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay
Liability auto insurance
Liability coverage can cover injuries or damage you cause to a person or their property. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 15/30/25 which stand for $15,000 in coverage for each person’s injuries, a total of $30,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage protects against claims like medical expenses, emergency aid and legal defense fees. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford. Louisiana state minimum liability requirements are 15/30/25 but you should consider buying better liability coverage.
The illustration below demonstrates why buying minimum limits may not be enough coverage.
Coverage for collisions
This will pay to fix damage to your Model X from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers things like colliding with a tree, rolling your car and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible on your Model X to get cheaper collision coverage.
Protection from uninsured/underinsured drivers
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required (Louisiana limits are 15/30/25), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Comprehensive (Other than Collision)
This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things such as rock chips in glass, damage from getting keyed, hitting a bird and damage from flooding. The most your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Smart consumers save more
Cheaper Tesla Model X insurance in New Orleans can be sourced from both online companies as well as from independent agents in New Orleans, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who don’t offer online price quotes and many times these small, regional companies sell through independent agencies.
We covered some good ideas how you can find cheaper Tesla Model X insurance in New Orleans. It’s most important to understand that the more companies you get premium rates for, the better your comparison will be. You may even discover the lowest car insurance rates come from some of the smallest insurance companies.
Drivers leave their current company for a variety of reasons including questionable increases in premium, an unsatisfactory settlement offer, lack of trust in their agent and even high rates after DUI convictions. Regardless of your reason, finding a great new company is actually quite simple.
For more information, feel free to browse the articles below:
- Vehicle Safety Ratings (iihs.org)
- What Car Insurance is Cheapest for First-time Drivers in New Orleans? (FAQ)
- Who Has Affordable Car Insurance for a Ford Fusion in New Orleans? (FAQ)
- Who Has Affordable Car Insurance Rates for a 20 Year Old Male in New Orleans? (FAQ)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)