Auto insurance Eunice La

When shopping for home or auto insurance in Eunice Louisiana or the surrounding areas contact the experts at Jeff Davis Insurance. 

As a leading independent insurance agency we can help you find the coverage you need affordably. 

Call 337-824-4455 or click on automobile insurance Eunice La for immediate quotes and coverage. 

Important Steps to Avoid Overpaying on Auto insurance Eunice La.

In 4 previous articles we discussed steps you can take to prevent overpaying on automobile insurance in Louisiana. You can read the previous articles by clicking on bad credit, wrong car, and claims to avoid and our last article discussed avoiding the need for speed

Lead Foot Larry accumulated five speeding tickets over 18 months and was rewarded with a big fat cancellation notice from his insurance company. 

Lead Foot Larry finds himself in a bad situation because he goes from paying $80 per month to more than $280 per month. 

In Larry’s mind this increase is outrageous and he’s not going to pay it, so he decides to drive without insurance. 

Driving Without Car Insurance in Louisiana Is Always a Bad Idea.

Lead Foot Larry to his credit did try to find lower prices on car insurance in Eunice Louisiana where he is now living. 

However the best insurance rates he could find was about $280 per month with a $1000 deductible. 

Lead Foot Larry decides to skip paying the higher insurance premiums and drive without Insurance reasoning that he has no assets, and no money in the bank so if he causes an accident, they can’t get anything from him anyway. 

Bad News for Lead Foot Larry…

Two months after his car insurance policy lapsed Larry receives a notice in the mail from the state of the Louisiana that his driver’s license is being suspended because the state electronically monitors insurance cancellations, which Larry was not aware of. 

Now Larry is a bit of a spot because his driver’s license has been suspended. Larry needs a car to get back and forth to work and to the store for groceries. 

To be truthful Larry could have afforded the $280 per month for car insurance in Eunice Louisiana but he was too prideful to pay the money so he decided to take a chance of driving without insurance. 

Now he’s in worse trouble because his driver’s license has been suspended and to reinstate he needs to pay a fine to the state of Louisiana. Plus the best car insurance rate he now finds is $375 per month because he let his insurance lapse! 

Lead Foot Larry’s choices are limited.   He can either give up his driving privileges until his record clears up, or scrape together the $375 each month because he let his insurance lapse not to mention the five speeding tickets on his driving record. 

What Lesson Can We Learn about Driving without Insurance?

Don’t do it.  The state of Louisiana monitors individuals who lapse their insurance and your driving privileges will be revoked.  

Additional penalties can occur if you are caught driving under a suspended license not to mention the fines and penalties you will need to pay the state to reinstate your driver’s license. 

Even if you have a few bumps on the road don’t let your insurance lapse, insurance companies will additionally penalize you when you drive without insurance. 

Need Good Rates on Car Insurance in Eunice Louisiana?

We can help at Jeff Davis Insurance.  Even if you have been caught driving without insurance or you have multiple tickets and accidents we can help you find the best car insurance rates in Louisiana for those of us who have a few hits on a record. 

Call 337-824-4455 and speak to our licensed agents and we can help you acquire the insurance you need or use our convenient online rate quote system when you click on auto insurance Eunice Louisiana

Car insurance quotes are also available in the following areas:

Car Insurance Moss Bluff La

annette3Need Better Options for Car Insurance in Moss Bluff Louisiana?

Speak to the licensed agents of Jeff Davis insurance at
337-824-4455 or for a free online quote click on Car Insurance Moss Bluff La and receive quotes from our independent insurance agency in Moss Bluff.

As a full-service agency we offer homeowners, business, life and auto insurance in Moss Bluff and the surrounding areas.

Steps to Avoid Overpaying on Car Insurance in Moss Bluff Louisiana!

In our previous articles we have discussed 2 steps to avoid overcharges on car insurance.

The first step was making sure you know what the insurance will cost you before buying your car. (Click here to read this advice)

The second step was to avoid turning into your company certain types of insurance claims (Read this article here)

The next step might be a little more challenging because it may be harder to undue at least in the short term.

Were you aware insurance companies will use your personal credit to determine what you pay for automobile insurance in Moss Bluff Louisiana?

This Is Why Insurance Companies Use Credit to Set Your Insurance Rates.

Insurance companies use a number of different factors to set rates for car insurance in Louisiana including claims and accidents plus your personal credit score.
You might wonder why your personal credit is an underwriting factor that determines what you pay for insurance.

Insurance companies have accumulated statistical data over a number of years that show a direct correlation between claims frequency and credit scores. What they discovered is that individuals with better credit turn fewer claims into their insurance company compared to those with lower credit scores.

So for this reason insurance companies use your personal credit as a rating factor to determine what you will pay.

How Will Bad Credit Affect Your Insurance in Moss Bluff Louisiana?

It depends on the company and it depends on whether or not you have any claims activity or tickets on your driving record.

Let’s assume your FICO credit score is 500 in comparison to a person with a 750 credit score.

What would be the difference in rates if everything else was equal?

One insurance company may only charge 20% more for a person with a 500 FICO credit score compared to someone with a 750 score.

However, another company may raise your rates by 200% or more!

Because there can be such a huge difference in price between companies it’s best to work with an independent insurance agency in Moss Bluff compared to an agent who only represents one company.

If you’ve had a few bumps in the road with your personal credit we can help you find better prices for car insurance in Moss Bluff Louisiana.

Call Jeff Davis Insurance Today at 337-824-4455 for Insurance in Moss Bluff Louisiana!