Automobile insurance is a fact of life - especially here in Louisiana. Louisiana has zero tolerance for drivers who fail to purchase automobile insurance. If you are stopped for any reason and you do not have proof of current insurance, the officer is empowered to remove your vehicle's license plates right there, on the spot. If you don't show proof of insurance within 3 days your license plates can be destroyed. The moral of this story is: find ways to save money and get discount automobile insurance in Louisiana so you never feel the need to drive without insurance. Luckily there are several easy things almost every driver can do that will save them money every single month. Pay your premiums automatically out of your checking account. This saves your insurance company money and they pass that savings on to you. Park your car in a garage at night. Garaging your vehicle at night will save you money on your insurance. Don't drive as much. Use public transportation as much as possible. Do whatever you can to reduce your driving to under 500 miles per month. Most insurance companies will offer you a rather substantial Low Mileage Discount if you do. Start or join a carpool where you work. If you can cut the number of rush hour miles you drive in half every month you will see a big drop in the cost of your insurance. If you retire or if you stop working for any other reason let your agent know. If you are no longer driving back and forth to work at all every month you'll save even more. If you are married be sure that you list the wife as the primary driver on your policy and the husband as the secondary driver. Doing so will save you money. Drive safely and legally at all times. You want to keep your driving record as spotless as you possibly can. Speeding tickets or any other moving violation on your driving record will increase the cost of your insurance. If you have a conviction for a DUI or a DWI you can forget about finding the best prices on automobile insurance for at least 3 years. Don't bother your insurance company with small claims. If you are claim-free for 6 to 12 months you qualify for a Good Driver Discount at most insurance companies. Young drivers can qualify for a 5% or greater savings just by staying in school and getting good grades. Many companies will give you a discount if you buy and use a simple steering wheel locking device to deter thieves. Ask your agent about other anti-theft devices you can add that will save you even more. If possible increase your deductible. Increasing your deductible is a sure-fire way to decrease your monthly premium payment. Keep in mind, however, that you will be asked to pay your deductible out of your own purse or pocket should you ever have a claim, so only promise what you can actually afford to pay. Buy your automobile insurance online. However, don't rely on the prices you find at just one of the auto insurance price comparison websites. Each website only compares a few insurance companies. If you really want to save money you'll take the time to run your comparison through at least 3 different price comparison websites. You'll also be very careful to enter the exact same information into the form on all three sites. Use what you've learned from this article to help you fill out the form on 3 different websites, putting the same information into all three forms. Once you've done that then you're done. Just look at all of your answers and pick the lowest priced policy of the bunch. Once you've done this then you are truly an expert when it comes to finding ways to save money and get discount automobile insurance in Louisiana.
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