Discount Auto Insurance in Louisiana

If you live and drive in Louisiana, the state law requires that you have auto insurance.  You have to have the minimum coverage as defined by Louisiana in order to register your vehicle.  Since you have to buy insurance, why not expend the extra effort to find the most economical and effective coverage you can get?

For the best discount auto insurance in Louisiana, start by getting 5 free quotes online from reputable insurance companies. Usually, you can find some of the best insurance deals on the web. This is because selling directly to customers cuts out costs like having agents; so these cost savings can trickle down to their consumers like you.

Louisiana’s Minimum Requirements

Louisiana requires that drivers carry a minimum coverage referred to as 15/30/25.  This means that drivers must carry at least:

  • $15,000 liability coverage per person per accident
  • $30,000 total liability per accident
  • $25,000 property damage per accident

Keep in mind that these  may not be enough to protect you and your assets in the event of an accident.   For example, will the minimum coverage protect you from the medical bills incurred ,  pay the complete value of your car or protect you fully from lawsuits as the result of an accident?

You may want to consider purchasing more liability insurance than the minimum 15/30/25  and collision and comprehensive coverage.  If you are involved in an accident in Louisiana, and don’t have enough coverage to pay for all accident related expenses, you will be responsible to pay for the amount over and above your policy limits.

Some of the major cities in LA, such as New Orleans, Baton Rouge, Shreveport, Metairie, Lafayette, Lake Charles, Kenner, Bossier City, Monro and Alexandria will traditionally offer you the cheapest insurance prices.

Insurance Company Discounts

It is important to take advantage of your auto insurance company’s discounts, to ensure that you are not overpaying on your policy. Many insurance companies offer discounts to drivers for a variety of reasons. You may be eligible for a discount if you are over 25 years old, have no tickets or accidents, wear your seat belt, or have airbags.  Check with your auto insurance company to see if there are any discounts that you may be eligible for.  Here are a  few more tips for getting rates and premiums reduced:

  1. Be aware of your annual mileage when speaking with an agent. You’ll be amazed at how much of a difference there is between a person who rarely drives as to someone who commutes daily over long distances.  Make sure you have an estimate of how much you drive per year.
  2. Pay your premiums in full! This is one of the best ways to instantly get a discount from most insurance companies. Instead of paying your premiums over 6 months or even a year, if you have the money to pay everything immediately, you will most likely get a noticeable discount.
  3. Try to maintain good credit scores. A few states like California bans the use of your credit score when calculating insurance premiums, but most do so. Companies see people with low credit scores as high risk customers, so they might charge a hefty premium compared to a person with low credit.
  4. Get multiple policies with the same insurance company. Most insurance companies give a multi-policy discount if you have two or more different types of insurance policies with them. You can get a discount of 10 percent to 20 percent just by carrying multiple policies with the same insurance company.

Try our 5 free quote service if you haven’t do so yet.  You can get discount auto insurance in Louisiana with one simple click.  Auto insurance quotes are a great way to compare prices of different companies