Affordable Car Insurance Auto Insurance in Louisiana - Compare Rates




Louisianans, no matter what part of the Bayou State you live, if you drive a car, you need auto insurance. Louisiana is one of the most expensive states when it comes to auto insurance, but this doesn't mean you can put off buying insurance. By doing so, you will be violating the laws of the state.


The State has changed the minimum requirements from January 1, 2010 on the basis of new laws approved in 2008.

Now the State has increased it from 10/20/10 to 15/30/25.

Liability Insurance will pay for the injury to any person caused by you. It will also cover, if any damage to the property.

Bodily Injury Liability
>> $15,000 for the death or injury of any one person, any one accident
>> $30,000 for all persons in any one accident

Property Damage Liability
- $25,000 for any one accident

Also keep in mind that the State of Louisiana follows a Tort system and so the at-fault person and his insurer are held responsible for all the damages caused.

You can get Uninsured/Underinsured Motorist Bodily Injury Coverage to cover bodily injury caused by an uninsured and/or underinsured driver. Louisiana doesn't mandate the purchase but it should surely be considered. Your uninsured motorist coverage pays all damages that can not be covered by the other driver who is at fault.

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If you think the uninsured motorist coverage is an expensive option then "economic loss uninsured motorist coverage" is your answer. It covers the economic loss only and do not cover all types of damages like:
>> Medical bills
>> Lost wages
>> Pain and suffering
>> Disability and other damages

Other than the mandatory coverage you can purchase:
Collision Insurance - It will cover any damage due to a collision with another car or any other object.
Comprehensive Insurance - The name itself implies that it provides a total coverage from any possible danger which includes fire, theft, vandalism, and glass breakage.
Rental Car Insurance - If you think that just because you don't own a car, you need worry about insurance, you are wrong here, you are supposed to buy the rental car insurance.

The State implements "No pay, no play" law, which limits an uninsured motorist from collecting compensation for specific damages arising from a traffic accident. He is not allowed to collect the first $10,000 of personal injury or property damage suffered as a result of and accident, regardless of who caused the accident.

There are exceptions to this law.
>> Passengers in uninsured vehicles do not lose rights against other drivers that are at fault.
>> Uninsured driver do not lose rights if the other driver causes the accident and is convicted of driving while intoxicated.

Let's discuss a possibility in which none of the insurance companies are ready to insure you, in such a case The Louisiana Automobile Insurance Plan will come to your rescue.

This plan allows companies to write auto liability insurance for those who have been denied insurance in the voluntary market. This plan tries to make sure that no one in state is uninsured.

So go and shop for an insurance because if you don't, it is considered as a serious offense and may result in suspension of license.

You can shop faster by obtaining several online quotes from companies. When you make your deal, ask for the kind of discounts you are eligible, this will lower your premium rates significantly.

Also if you are capable of paying a higher amount as deductible then there is no harm in obtaining a higher deductible. This will lower your premium as your insurer knows that at the time of accident, you will be paying a higher amount from your pocket as a part of deductible.

So go and get the insurance policy you have been avoiding for long.

Smart shopping!!

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