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.