I live and work in Louisiana. How important is auto insurance likely to be?
Purchasing an adequate level of auto insurance is a legal requirement and the state of Louisiana has a number of measures in place. These are mandatory levels of auto insurance coverage and represent the absolute minimum level of protection that a driver must have before they can operate a motor vehicle.
What are those minimum requirements?
The minimum mandatory levels of auto insurance for the state of Louisiana are $15,000 worth of bodily injury liability per person, $30,000 worth of bodily injury liability per accident and $25,000 worth of property damage liability.
What protection do these minimum levels of mandatory coverage offer me?
If you are found to be at fault in a road traffic accident, bodily injury liability will cover the cost of medical fees, funeral expenses or loss of earnings for any third party drivers involved in the incident. Property damage liability will cover the cost of repairs on third party vehicles or related damage to their personal belongings.
What about protecting myself? Is that covered?
No. If you want to protect yourself, you will need to purchase personal injury protection to cover the cost of your own medical expenses. Collision coverage will pay for the cost of repairs to your own vehicle if you are deemed to be at fault in a road traffic accident. These can be provided as add-ons when you obtain auto insurance quotes but the premium will be higher if you have them included.
Is there any other coverage I might need?
One of the biggest problems that road users in Louisiana are likely to encounter is uninsured or underinsured motorists. By purchasing uninsured/underinsured motorist coverage, you will be covered for your own bodily injuries if you are hit by one of these drivers. You may also wish to consider comprehensive coverage as this will cover the cost of repairs to your vehicle if it is damaged by fire, theft, vandalism or adverse weather conditions. GAP insurance is ideal for vehicles where a loan, hire of lease agreement is currently in place.
It sounds like this could get expensive. Should I have any other concerns?
You may find that premiums will be higher if you or a family member is classed as being part of a non-standard group. Usually, this form of categorization is reserved for high-risk drivers and can include teenagers, motorists with DUI or DWI violations, roads users with a poor driving history and those with bad credit.
Is there nothing I can do to lower costs?
Actually, there is! Encourage young drivers to maintain good school grades and get them to participate in a defensive driving course. Those with a poor driving history or bad credit record should obtain copies of their files to make sure entries are accurate. Building up a solid driving history can be one of the most cost-effective ways of lowering auto insurance rates.
Where can I get auto insurance quotes from?
Traditionally, road users in Louisiana have used land-based auto insurance offices to purchase their coverage but we recommend the use of price comparison websites. These excellent resources will allow you to gather a larger number of auto insurance quotes in a shorter period of time and these can be compared on a like-for-like basis until a policy that offers an equal level of coverage and affordability is found.
How much is that likely to cost me?
Sadly, some consumer sites seem to think that their customers deserve to pay for the privilege of using their services but at Promiga Auto Insurance Quotes, we never ask you for a fee or commission. We only specialize in providing free auto insurance quotes and prefer to use our experience to bring you cheaper coverage.
Does that mean your services aren’t as good?
Far from it! We only deal with A-rated auto insurance companies such as Geico, Allstate and State Farm. However, these are just a small example of the carriers that we work with. All of our auto insurance providers enjoy an excellent track record and are noted for providing high levels of customer service, easy claims handling and affordable coverage.
If you deal with so many companies, does it mean I’ll be bothered with loads of junk mail?
No. At Promiga Auto Insurance quotes, we never ask you for personal information and can provide you with a series of policy options based on your ZIP code. You will only need to provide personal details once you finally find a policy you like. From there, you’ll only need to deal with the insurance company offering the policy. We never pass on your information to third parties because we never ask for it in the first place!