Car insurance in Baton Rouge

Discount Auto Insurance Baton Rouge, LA

We offer discount auto insurance in Baton Rouge, LA with free instant online quoting from the top insurers servicing the Baton Rouge residents.  If reducing your auto insurance premiums is your primary goal, our online rapid quoting system will save you time and money.  Simply enter your zip code and select the type of insurance you’re looking for.  As you’ll see, we offer discount insurance for auto, home, health, life, business and more.

Discount Auto Insurance Baton Rouge, LA

Locating cheap auto insurance in Baton Rouge, LA is a very popular search on the internet.  With the City of Baton Rouge having a population of over 225,000 people and the greater Baton Rouge area having a population of over 802,000 it’s no surprise that while trying to reduce household costs, auto insurance is one of the most quoted insurance reduction targets.  With an average household income just over $30,000 per year and average family income just over $40,000, saving money is on the mind of most residents.

What many folks don’t know is that saving money on auto insurance in Baton Rouge isn’t just about raising your deductible or reducing your coverage.  Many companies are competing in the Baton Rouge market and getting multiple online quotes online is the best way to make sure you’re getting the absolute rock bottom quotes for your situation.

Discount Auto Insurance Baton Rouge, LA

Car insurance in Baton Rouge as in most cities is regulated at the state level.  Louisiana is a tort system state meaning that if you’re at fault for a car accident you and your insurance company will be responsible for all financial obligations relating to the accident including liability and property damage.  The particulars vary from state to state.

The state law in Louisiana mandates minimum bodily injury liability coverage of $15,000 per injured person up to $30,000 per accident and a minimum property damage coverage limit of $25,000. Maybe you’ve heard of 15/30/25 coverage in Louisiana and this is what it refers to.

Discount Auto Insurance Baton Rouge, LA

Here are a number of factors to keep in mind when quoting cheaper auto insurance in Baton Rouge if you’re serious about saving money:

  1. Increase your deductible to a dollar amount you can afford if you have an accident.
  2. Drive a car that has a high safety rating with new safety devices.
  3. Drive a car that’s not considered a high risk vehicle such as sports cars.
  4. Reduce the amount of monthly miles you drive by carpooling.
  5. Consider not having collision coverage if your car is older and worth little.
  6. Take advantage of having a good driving record.
  7. Take advantage of any good student discounts that may be available.
  8. Maintain as good of a credit rating as possible.
  9. Take a state approved course for good defensive driving if your state offers one.
  10. Live in what may be considered a safer location for stolen or vandalized vehicles.

Getting the lowest car insurance quotes in Baton Rouge doesn’t have to be a hassle.  Our rapid quote system at the top of our website will allow you to obtain multiple quotes fast and the quotes are free to obtain.  Make sure when you’re quoting your insurance that you quote the same variables each time so you can truly compare one quote to the other.

 

 

 

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Posted in: Auto Insurance, Insurance