Louisiana Car Insurance

Shopping around for car insurance is a must. Getting the right insurance premium for you each month I definitely help with your expenses simply because it’s driving a car is a necessity. You wouldn’t want to put overpay for car insurance with you? Well finding out the best and cheapest auto insurance in Louisiana is your best bet. You’ll be able to get the most coverage for your money and stay protected. Before you hit the road figure out everything and anything you need to know about Louisiana car insurance. 

Required Coverage

Like with many states you are required to have car insurance to drive on the road. Louisiana is no different, they have a minimum requirement that must include coverage on liability insurance and property damage. Here’s exactly what drivers have to carry in the state of Louisiana:

  •  $15,000 in bodily injury coverage per person
  •  $30,000 in bodily injury coverage per accident
  •  $25,000 in property damage per accident

When speaking to an insurance agent or an insurance company you make sure they refer to the minimum State requirement as 15 – 30 – 25. Of course you don’t have to choose the minimum requirement if you’d prefer to have more protection you can definitely do so. You can offer higher coverages and see if you’re driving needs or what makes you feel most at ease.

Optional Coverages

If you’re not a fan of just having the minimum coverage we don’t blame you. Sometimes it may not be sufficient enough for everyone but for some, it could be more than enough. But if you’re in a position where you’re taking more protection on your insurance coverage why not look at the optional coverages available?

  •  Comprehensive insurance
  •  collision insurance
  •  gap insurance
  •  underinsured and uninsured motorist coverage is

 These are just a few of the many optional coverages available to you. If you want to get a full list and a detailed breakdown of what coverages are available and how they can benefit you definitely contact the local agent for help. 

Factors Affecting Your Insurance Premium

Your insurance premium isn’t something that’s pulled out of thin air. There are many factors that go behind this number and here’s a list of them.

  • Population
  • Car you drive
  • Natural disasters
  • Uninsured drivers
  • Where you located
  • Driving history

For the average driver in the state of Louisiana, these are factors that can directly affect your insurance premium. Of course, these are some variables you can control for example of vehicle you drive, the more safety features your vehicle has the more likely you have a lower insurance premium. Whereas there are some other factors but you do not control, like natural disasters. For situations such as natural disasters, the best thing to do is have adequate insurance coverage on your vehicle to avoid any hits in your pocket.

Average Cost of Car Insurance in Louisiana

Car insurance in Louisiana is expensive, you know this I know this everybody knows this. It’s about 60% higher than the national average sitting at $2,300 per year

If your new shopping around for car insurance, don’t get discouraged there are many ways you can save. Shop around and find the best alternative rate, or contact a local agent here and they’ll be able to help out. 

Is Louisiana a no-fault State?

Currently Louisiana follows the fault system. Long story short, the fault system find out who was at fault in the accident and they will be responsible for any damages and expenses. If they have no insurance then they’ll be paying out of pocket, or if they do have insurance their insurance company will be covering the expenses.