Online Auto Insurance
The Louisiana s Consumer s Guide to Auto Insurance simply states, Do not buy the first policy you hear about and Get quotes from several companies before you sign an application and pay a premium. With this in mind, one can obtain multiple auto insurance quotes quickly and conveniently online.
Obtaining Cheap Car Insurance in Louisiana
- Multi-car – this is having two or more cars insured with the same company
- Multi-line – similarly, this is having a vehicle and life or homeowners insured with the same carrier
- Good Driver – Many companies offer discounts for those with a clean driving record
- Good Student – Full-time students with a B average can receive a good student discount
- Some insurers offer farmers and senior citizens discounted rates
- Proof of completion of a defensive driving course can provide savings
If additional safety features such as anti-lock brakes, anti-theft devices and air bags are equipped on vehicles, this may lower premiums. Be sure to inquire about any discounts that may apply when locating a provider.
Auto Insurance Law in Louisiana
- $15,000 for bodily injury to one person
- $30,000 for bodily injury to two or more people
- $25,000 coverage for damage to someone else s property
As dictated in the Louisiana Consumer Guide to Auto Insurance, failure to carry proof of the required coverage can result in the vehicle being immediately impounded or the removal of license plates and a yellow sticker affixed to the back windshield. At this point the motorist is given three days to provide valid proof to the Office of Motor Vehicles.
Questions Regarding Louisiana Auto Insurance
The minimum amount of automobile coverage that is required to legally drive in Louisiana will not cover car theft. Motorists in LA are only required by law to carry property damage and bodily injury liability. This mandatory protection only pays for other people’s damages that the insured may be.
Almost every motorist has a unique combination of driving habits, property to insure and coverage needs that can periodically change. To determine whether or not a Louisiana resident has enough automobile insurance to meet all of these needs, they usually must complete a.
How much someone pays for automobile coverage is dependent on a variety of details that can differ with every motorist. Insurers typically examine numerous characteristics when determining the price of a policy, but rates are also capable of changing over time as a.
News for Louisiana Insurance
July 1, 2014 – This July 1, a car insurance bill in Louisiana changes the rules for uninsured drivers while another bill in Florida applies changes to coverage for drivers with DUI convictions. Also, an auto insurance-related bill about premium refunds kicks in for Kansas drivers
June 16, 2014 – Louisiana drivers will soon face stiffer penalties for driving without car insurance after Gov. Bobby Jindal signed Act 641 into law on Thursday. Starting July 1, owners of uninsured cars will have their cars impounded and their license plates and registration revoked. The new law also increases the reinstatement fee for these .
December 30, 2013 – New Jersey auto insurance has the priciest premiums, and the state is also where drivers spend the most on policies in the U.S., according to the National Association of Insurance Commissioners (NAIC). In the NAIC’s latest report on average auto insurance costs, the Garden State unseated last year’s leader (Louisiana) as .
Articles on La. Car Insurance
Jun 13, 2012 – Financial responsibility is an important part of being a vehicle owner because drivers need to be able to pay for other people’s damages that they are responsible for. In Louisiana, motorists are.
Jan 05, 2012 – Individual motorists in the Pelican State frequently have unique personal characteristics and driving histories. Coverage providers also interpret these details differently, resulting in an array of quotes that likely to.
Nov 25, 2011 – Price differences between individual companies can usually translate into savings for consumers. This competitive market is one of the major reasons why Louisiana motorists should shop for auto insurance before making a.