Getting a good car insurance policy is important, even if you manage to drive without accidents. From having an affordable payment arrangement, to being able to quickly contact the insurance company and speak to competent staff is all part of the things you should be looking for when in the market for a new car insurance.

Today we are listing our top 3 things you should be keeping in mind when searching for the best insurance deal for your car or other vehicle. This article is written for the American audience in specific, but the tips and tricks mentioned here can be used by anyone, anywhere in the world. In this article we are using examples from Lafayette, LA in particular as an example for prices and details.

1.  Make sure the company has good reviews

If you are starting from scratch, the insurance market can feel like a thick jungle, covered with buzzwords and strange rules. If you know someone in your family or among your friends that uses the auto insurance company that you are considering, ask them for their opinion on how well the company has handled themselves over time.

In case you don’t know anyone with real life experience, you can always check reviews online to learn more about other people’s experiences.

2.  Research what type of coverage you need

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For people driving daily for long periods of time, a more extensive coverage policy might be the right thing. For those who only drive their car a few times a month to do some shopping, you might not need all the bells and whistles of a premium plan.

When you find a car insurance company that you find interesting, ask about their coverage to learn more about what might suit you best. It is always a good idea to be honest with the insurance company, that way they can give you the best advice, and you can be covered as best as possible.

Depending on which car you have bought, it might also be a good idea to look at the most common issues on the car, and see if the insurance policy you are looking at covers those. If your car model is known to have problems with steering or handling, then an add-on package to take care of this potential issue could end up saving you a lot of money down the road.

3.  Shop for competitive quotes

If you are looking to get the absolute best deal on your new car insurance policy, it can be worthwhile to contact a few different companies and get quotes from them all.

Then if the company with the best reviews, or if the company you have the most faith in quote you a price that is higher than some of the others, you could try to ask that company if they can match the lowest quote you got.

As a final note on finding the best price for your auto insurance, many companies offer stacked deals. In other words, if you combine your home insurance with your car insurance, you might get a better deal on both of them, shaving off some of the cost, as well as gathering multiple insurances under the same roof for easier billing and support.


These are the three best tips we can give to anyone looking for a good deal on their car insurance policy. When you contact a company, remember to have information about your past accidents or claims, experience of driving and other important details ready at hand. These things can make a difference in how expensive the insurance will be.

For this article we contacted Alex Martin who runs an auto insurance company in Lafayette, LA for help with choosing the three most important things to look for. If you enjoyed this article and are looking to get affordable car insurance in Lafayette, LA then his company might just be what you are looking for!

Incredible Planet Staff

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