5 Easy Ways to Lower Your Car Insurance in Louisiana

Car insurance rates have been rising all over the country, and Louisiana is no exception. Between increasing repair costs, storm damage, and high accident rates, it’s no wonder premiums feel like they’ve crept up behind your back.

But here’s the good news: there are smart, simple ways to lower your premium without sacrificing good coverage. Here are five that we recommend often to our clients.

1. Ask About Discounts

This might sound obvious, but you'd be surprised how many people don’t realize all the discounts they qualify for. You could save money if you:

• Drive fewer miles per year

• Bundle your auto and home policies

• Have a student with good grades

• Install safety features or anti-theft devices

• Are a teacher, military member, or part of certain professional groups

At Tibbetts Insurance, we make sure you’re not leaving money on the table.

2. Raise Your Deductible (If You’re Comfortable With It)

If your budget allows, raising your deductible can lower your monthly premium. Just make sure you’ve got an emergency fund in place in case you need to pay that higher amount after a claim.

3. Bundle Your Policies

If you have homeowners, renters, or even flood insurance through one carrier, bundling your auto policy with the same company often leads to solid savings. It’s one of the simplest ways to save and it also helps keep your coverage organized in one place.

4. Re-Evaluate Your Coverage

If you’re driving an older car that’s paid off, you may not need as much collision or comprehensive coverage. That doesn’t mean skimping on protection, it means adjusting your policy based on what actually makes sense for your vehicle today.

5. Work With a Local Agent (Like Us!)

One-size-fits-all policies don’t always work, especially in Louisiana. Working with a local, independent agent means you get personalized advice and access to multiple carriers, so we can shop around for the best price and the best fit.

The Bottom Line

The right car insurance should give you peace of mind — not sticker shock. Whether you're looking to save, shop around, or just make sure you’re getting what you pay for, we’re here to help.

At Tibbetts Insurance, we walk you through your options clearly and honestly, no pressure, just people who care.

Want us to take a look at your current policy?
Give us a call or stop by. We’re always happy to talk shop from the front porch or across the kitchen table.

Request a quote any time of the today: tibbettsinsurance.com/getaquote