Baton Rouge is the capital of Louisiana, with a population of 800,000 in its greater metro area. It has experience a now twenty-year-long construction boom, with new multi-million dollar city improvements going up every year, making it one of the fastest growing cities in the South. According to Brookings, the city ranks in the top 20 strongest economies in North America.
With growth comes an influx of vehicles, and a higher rate of traffic congestion. As a result, auto insurance rates are fluctuating a great deal in the city. If you haven’t re-shopped your policy in a while, or are new to the area, it might be a good time to speak to an agent. Here are some tips that can help you save money in Baton Rouge:
Get Comparison Quotes!
We put that in a bigger font because it’s the absolute most effective way to lower your insurance rates. And we should know! We’ve built our entire business around finding you as many quotes as we can. If you have been with your insurance company for more than a year it’s worth taking a few minutes to shop around. All you need to get started is your zip code!
Why The Zip Code?
Well, insurance companies can’t technically rate based on your zip code. Instead they split geographic areas into “territories.” Then they look at that territory’s demographic data, traffic patterns, population density, education level, crime statistics, etc., to determine a rating baseline. After that, your rates adjust according to your age, driving experience, driving record, your vehicle and your required coverage.
So What Does That Mean For Me?
The more you know, the more you can save. For example, moving from Melrose East to Capital Heights will mean paying less for certain coverages than others. Trading in your Honda Accord for a brand new Corvette will definitely affect your rates.
Want to know just how much? Get comparison quotes! You can submit any information you want to see what different combinations will cost you.