Louisiana Auto Insurance
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Understanding Louisiana Auto Insurance
What the Law Requires
If you live and drive in Louisiana, state law requires you to carry minimum limits on your automobile…and you must purchase these minimums in order to register your vehicle. But Louisiana auto insurance companies recommend you purchase in excess of these minimums to ensure safe driving and adequate coverage in case of accident.
Base coverage in Louisiana includes what is referred to as 10/20/10. Translated, this means a minimum of $10,000 liability coverage per person per accident; $20,000 total liability per accident and $10,000 property damage per accident.
If you don't have enough Louisiana auto insurance coverage to pay for all accident-related expenses, you will be required to pay the amount over and above your policy limits. This can be financially devastating! Speak to a licensed Louisiana auto insurance agent to find out how much insurance you need to make sure you are well covered.
Shopping for Louisiana Auto Insurance
When shopping for an auto insurance policy, look for a financially sound company with a history of good customer service and fair rates. Remember, no matter how inexpensive a Louisiana auto insurance policy is, it does you no good if the company cannot cover your claim after an auto accident.
Your Louisiana Department of Insurance can tell you if any complaints have been filed against a particular company or agent, so make good use of this resource before making your final purchasing decision. Contact them online at www.ldi.la.gov, or by phone at 800-259-5300.
Also ask them for the company's A.M. Best rating, which portrays the company's financial strength and ability to meet policyholder obligations. All these ratings can help you determine whether it is wise to do business with a Louisiana auto insurance company or agent you are considering.
The Decision-Making Process
When you are getting ready to talk to Louisiana auto insurance agents, gather all information applicable to your car, driving record and accident claims history. Insurers will need this information in order to provide you an accurate quote.
Be ready to answer any and all questions concerning your driver's license, estimated miles driven to and from work and total annual mileage. All these factors come together to help determine your Louisiana auto insurance quote.
In addition, make sure you give the exact same information to each insurer. Louisiana auto insurance companies place varying degrees of emphasis on these measurements to determine your auto insurance quote, so one discrepancy can prove costly.
Make sure you inquire about any discounts your Louisiana auto insurance company may offer. Some grant reductions on your premiums for good driving records, limited vehicle use, more than one vehicle on a policy or anti-theft devices.
Ask lots of questions during this process. Understanding how your policy works is time-consuming, but you need to know what to expect in case you need to file a claim.
If your car is older, you might want to consider dropping your collision and comprehensive coverage. Your Louisiana auto insurance agent can help you determine whether or not this is wise in your particular situation.
Finally, compare Louisiana auto insurance policies and choose the one best suited to your needs.
Using the Internet
The Internet is always open for business, so do use this medium when searching for your Louisiana auto insurance. It can help you gain the knowledge you need to evaluate your insurance needs, compare typical rates, research companies, apply for coverage and gather the quotes you need.
Getting the Quotes You Need
We hope this information is relevant and helpful in your search for the right Louisiana auto insurance policy.
Now let us go one step further. Fill in our "Get a Free Quote" box, and let us put you in touch with up to five knowledgeable Louisiana auto insurance agents who are waiting to help you with your insurance needs.
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