No matter how long you’ve been driving, what type of vehicle you own, or what your driving record looks like, everyone wants affordable car insurance. To save as much money as possible, it’s important to understand how premiums, deductibles, and policies are determined by car insurance companies. By following the tips below, you can learn how to get the cheapest car insurance possible in Louisiana or Texas!

1. Weigh All of Your Auto Insurance Coverage Options

Do you drive an older car? If so, you could be spending more on your car insurance policy than necessary. If you have a car insurance policy for an older car, which includes collision and comprehensive coverage (some might refer to this by the misnomer “full coverage”), you may want to consider decreasing your coverage to liability. Comprehensive and collision insurance typically includes a maximum amount of money that your insurer will pay to replace your car if it is stolen or totaled. If you drive an older vehicle with a low market value and get in a serious accident, comprehensive and collision car insurance may not be worth the premium you’re paying in the long run.

2. Purchase Minimum Coverage Car Insurance

Both Louisiana and Texas have minimum auto insurance coverage requirements for all drivers, including bodily injury and property damage liability coverage. These coverages help pay for damages and/or injuries that arise from any accidents that you cause. Keep in mind that liability coverage only helps pay for the other driver’s damages, not your own, so it may not be the best option for all drivers. However, obtaining a car insurance policy with liability coverage is the cheapest way to legally drive in Louisiana or Texas.

3. Drive an Inexpensive Vehicle

Did you know that expensive cars come with higher car insurance rates? Your comprehension and collision auto insurance coverage rate is dependent upon several factors, including the year, make, and model of your car. Typically, a more expensive, newer vehicle will come with a higher car insurance premium. If you’re shopping for a new vehicle and don’t want to pay a lot of money on your car insurance, purchase a reliable, inexpensive used car to help keep your car insurance cost as low as possible.

4. Pay Bills on Time

According to nerdwallet, your credit score can play a part in your car insurance premium. Poor credit can result in higher car insurance rates, so seek out ways to boost your credit score if you want the lowest price on auto insurance as possible. You can do this by paying your bills on time and reducing any debt that you may have. Regularly keeping track of your credit score will help you monitor your progress over time.

5. Work With an ABC Insurance Agent

ABC Insurance is an insurance agency, not an insurance company, meaning that ABC Insurance agents advise customers and help them find the best, most affordable car insurance coverage available in Louisiana and Texas. Our friendly agents review, compare, and analyze many different insurance companies’ auto insurance rates and coverage options to best suit your personal needs, so you can do the saving while ABC does the shopping.

6. See if you Qualify for Car Insurance Discounts

Save even more money on your car insurance by finding out if you are eligible for any of ABC’s auto insurance discounts when you speak with an agent. Learn more about the following discounts that could apply to you or your family:

  • Accident Free Claims Free
  • Advance Quote
  • Anti-Theft Recovery Device
  • Commercial Driver License
  • Defensive Driver
  • Electronic Funds Transfer / Auto Pay
  • Factory-Installed Anti-Theft & Recovery
  • Good Sam Member
  • Good Student
  • Homeowner
  • In-Agency
  • Legacy Family
  • Low Mileage
  • Marital Status
  • Military
  • Mobile Home
  • Multi-Car
  • Multi-Policy
  • Multi-Product
  • New Vehicle
  • Paid in Full
  • Go Paperless
  • Route Use
  • Student Away at College

7. Annually Review Your Car Insurance Policy

Remind yourself to assess your auto insurance policy each year to make sure that your needs are still being met in the most comprehensive way. A yearly review is also a great way to find out if you meet qualifications for new discounts that could make your car insurance policy even cheaper.

ABC wants to find you the lowest car insurance rate as possible in Louisiana and Texas. ABC agents are regularly looking out for your insurance needs – which may change over time – to find the best fit for you. Make sure to speak with an ABC agent about auto insurance coverage options that make the most sense for you and your vehicle. Just call 800-708-0123, click, or visit a friendly agent near you to get a free car insurance quote today, and we will help you find the most affordable, quality car insurance policy to protect you and your vehicle without an expensive price tag. There’s always a better choice – we’ll find it!

The information provided in this blog is designed to give helpful advice on the topic discussed. It is not intended to provide legal or any other type of advice and is not meant to be a thorough discussion of every issue that a person should consider or may encounter. ABC is not responsible or liable for the availability of links to websites or resources, or for any content, advertising, products, services or other materials on or available through these websites or resources or your reliance thereon. Any references to third party rates or products are subject to change without notice. Trademarks are property of their respective owners. ABC Insurance Agencies-members of the National General Insurance Group, Winston-Salem, NC.

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