Auto Insurance in Louisiana
Filed under: Louisiana non owner car insurance, SR22 Louisiana
Reader’s Question:
I’ve been shopping around for the cheapest car insurance available here in Kenner, Louisiana, and I’ve noticed that agents almost always mention 6-month auto insurance. I wonder, what’s the reason for this? Isn’t it better for them if you choose longer terms?
Sheila
Kenner, LA
A six-month car insurance can be a good thing, depending on what your insurance needs are. If you plan to travel and visit some place for six months or less, for instance, it would be a waste to get policies with longer terms, right? Or it could be that you’re planning to purchase a new vehicle before year end. Or for various other reasons, some people actually prefer six months. If agents over there in Kenner, Louisiana seem to always try to sell you six-month terms, it may be because this actually permits them to adjust your premiums twice a year, as compared to once for a one-year policy, for example. This could mean higher costs for you, the consumer, and higher collectibles for them, the automotive insurance company. But before you think they’re all money-grubbing cold-hearted leeches, it would be prudent to note that short terms could actually be beneficial to you because you can divide the payments according to a timetable that you think is more suitable for you.
A lot of people have monthly schedules, but it makes financial sense for the companies to charge you higher rates for monthly payments than for six months or a yearly total.
Cheap Truck Insurance Louisiana LA
Reader’s Question:
I have a few trucks to use and want to buy insurance so that I can use them legally on the road. However, I realized that there are no cheap truck insurance available here in Louisiana. They’re more expensive than car insurance. Why is this so?
Adam
Baton Rouge, Louisiana
Business owners, especially those in the trucking business, may 
find trucks as great assets for hauling cargo and freight. Since trucks are their assets, they need to find cheap truck insurance in order for their businesses to continue even at times when these trucks are being repaired or replaced. Unfortunately, many people have realized that truck insurance does not come cheap. The good news is, if you understand why a cheap truck insurance may initially be hard to find, you can make further adjustments especially in the kind of trucks that you will purchase.
One reason why truck insurance doesn’t naturally come cheap is because truck drivers, in general, do not have good driving records. Even if you have a clean truck driving history and has not made claims against your truck insurance policies, the general trend remains that almost all truck drivers don’t have a clean record. However, you can get your own discounts for your clean driving record.
Another reason why there’s normally no cheap truck insurance in Louisiana compared to car insurance is because trucks are bigger and heavier than cars. In any accident, trucks can inflict greater damage on smaller automobiles and more bodily injuries to the passengers of the other automobile. If the whole road accident is your fault, this means that your car insurance company has to shell out more money than it would do when you were driving a car.
Due to their size, trucks are more prone to theft than cars. With their big size, accessories and parts of the truck may be removed and stolen easily by thieves.
In reality, trucks are more expensive than cars. Similarly, truck insurance is more expensive than car insurance because truck insurance companies will have to shell out more cash when they have to replace trucks than when they replace cars.
There’s no reason to be discouraged if you’ll be initially given truck insurance quotes that are a bit expensive. As long as you know how this type of insurance goes, you can find ideas as to how you can lower your truck insurance costs.
Female Motor Insurance Louisiana
Reader’s Question:
Hi! I am over 25 and I feel I’m ripe for my own car insurance. How should I shop for a good female motor insurance here in Louisiana?
Hanna
New Orleans, LA
You can start looking for a good company providing affordable female motor insurance Louisiana through the Internet. There are a lot of websites that can give you information on companies offering good rates for female car insurance, and how you can qualify for these policies. You will also find shopping online more convenient since you can compare car insurance quotes easily through a car insurance comparison website.
You may also ask your current insurance provider to give you discounts for your female motor insurance Louisiana. Unknown to many insurance policy holders, many of the top insurance companies offer discounts to their clients holding multiple policies with them. You will get substantial savings if your current insurance provider gives you discount for your auto insurance.
You can also ask a licensed car insurance broker about companies offering cheap female motor insurance Louisiana. A licensed car insurance broker has knowledge on the prevailing rates for female car insurance, and can give you information on how you can qualify for a really affordable car insurance policy.
Likewise, you may ask other car owners and colleagues about information on companies offering good female car insurance in Louisiana.
Auto Insurance Policy Cancellation Louisiana LA
Reader’s Question:
My friend just got in a car wreck here in Louisiana a few days ago, and when the police asked for her car insurance, they found out that it has been cancelled by the auto insurance company. She was unaware of the cancellation, and now she might be given more citations because of it. What will happen to her?
Crissy
New Orleans, LA
In Louisiana, there is a law called “No Pay, No Play” which is implemented when a person who does not have liability insurance gets involved in a car accident. The “No Pay, No Play” law is stated in the 1998 LA Revised Statute 32:866. According to this statute, the party who does not have liability insurance will not be allowed to collect for the first ten thousand dollars of the damages (for bodily injury or property damage claim), regardless of whose fault it was. Therefore, if you were found at fault, you would have to be personally responsible for the damages that you caused to the other party. Likewise, you would have to be personally accountable for your own damages since there is no automotive insurance policy that you could claim from.
Under ordinary circumstances, an automotive insurance policy in Louisiana can only be cancelled if you miss your premium payment date, if you file a counterfeit or fake claim, or if your driver’s license or car registration is suspended. If your automotive insurance company decides to cancel your policy, you should expect a twenty-day notice from them. If you request an explanation for the non-renewal, the automotive insurance company must also be able to provide you with the details in writing.
There should be no way for you not to find out that your automotive insurance policy is cancelled. However, in case you didn’t get any notification from the automotive insurance company, you could contact the Louisiana Department of Insurance to get some advice regarding this matter.
Tags: auto insurance policy, auto insurance premium, car insurance law, liability insurance
Teen Car Insurance Louisiana LA
Reader’s Question:
My teenage son recently got his driver’s license here in Louisiana. How much would his car insurance cost me?
Jonathan
Metairie, LA
Honestly speaking, it is very expensive to have car insurance for a teenage driver like your son. But there are, however, certain ways to minimize your costs when purchasing car insurance for your kids. After all, what’s important is your son’s safety and protection while he is out driving. And adding your teenage son to your policy can add to his security when traveling even though it means paying high premiums.
One way of reducing your costs is by ensuring that your son drives safely. Imagine that even just a ticket from a traffic cop or a slight damage to another car’s fender is enough to make your car insurance premium rates go higher. So, try and talk to your son about driving safely.
There are also companies in Louisiana that offer car insurance rates for teen drivers with a good rating and a good record. If your son has a good driving record, then that could mean lower rates for you. Just make sure that your son is included in your car insurance policy, and if it possible, you can add him as an occasional driver to further lower your rates.
Another thing to consider is the kind of car that your teenage son will be driving. Make sure that the car has a lot of safety features in it. I think it is also better that your son drives an older model or a much slower car to avoid accidents caused by speeding. A safe and inexpensive car can mean low car insurance rates for you as well. Although, of course, persuading your son to get a cheaper car can be challenging.
Keep in mind to check out different car insurance rates for teenagers. Not every company in Louisiana offer the same amount for premiums, so be sure to gather more information. There are a lot of websites on the Internet that can help you get a free quote. So buckle up and start surfing the Web.
Tags: teen insurance, Young driver car insurance
Comprehensive Auto Insurance Louisiana LA
Reader’s Question:
Hi there! I’m John from Monroe, Louisiana. I’m planning to purchase a new SUV on an 84-month loan term. I once heard a story about a friend of mine whose brand new car got stolen before he was able to pay his loan off. Will a comprehensive insurance cover all my losses if this ever happens to me?
John
Monroe, LA
Well, John with a comprehensive auto insurance, you might be granted your car’s actual cash value at the time of the accident or theft. So if it was worth, say, $300 when it was totaled, your insurance company will pay you that amount.
As you may know, car values go down significantly in a matter of months. So the problem is the value of your vehicle when you lose it might be less than your outstanding balance. This depends largely on the terms of your loan. That means you will be receiving less (sometimes much less!) from your insurance company than the amount you owe for the car.
You can prepare for this situation by getting yourself a gap insurance. Basically, this type of insurance guarantees that you won’t have to pay the difference between the value of your car and your loan.
Let’s put it this way: If at the time of the accident, the actual cash value of your car is $300 and you still owe the car company $400 dollars, gap insurance will shoulder the $100 for you. There are however limits to the coverage. You should really visit an insurance dealer to get a clearer picture. Be sure to inform him of the details of your loan or lease, and ask him specifically what is included in the gap insurance coverage.
Tags: auto insurance, car insurance, comprehensive insurance coverage
Uninsured Motorist Coverage Baton Rouge, Louisiana LA
Filed under: Louisiana non owner car insurance, SR22 Louisiana
Reader’s Question:
What does Economic Only UM coverage mean in Baton Rouge, Louisiana?
Meagan
Baton Rouge, LA
In Baton Rouge, Louisiana you have the option to choose to buy Uninsured Motorist Economic-Only coverage. This Uninsured Motorist Economic-Only is the same as Uninsured Motorist coverage except that it covers only the actual costs of injuries to you and the passengers of your automobile. Pain and suffering are not covered under this coverage.
Insurance carriers in Louisiana who offer, Uninsured Motorist Economic-Only coverage has it so this car insurance coverage also includes Economic Only Underinsured Motorist Coverage. Yes, you can obtain Uninsured Motorist Economic-Only with limits the same as your bodily liability limits or lower limits than your bodily injury coverage however this coverage limit cannot exceed the Bodily Injury Liability limits.
If you want to know more about Uninsured Motorist coverages (economic-only or full coverage) you may contact the LA Department of Insurance, the insurance regulator for this state.
Tags: auto insurance
Senior Auto Insurance Shreveport Louisiana LA
Reader’s Question:
Is it possible to take the Senior Citizen Driver Safety Program renewal course by computer? I heard some insurance providers in Shreveport, Louisiana offer this service.
Jonathan
Shreveport, LA
There might be some insurance providers that offer a senior citizens driver safety course or program online over the internet or some other way on the computer. Each individual insurance provider has their own rules and guidelines regarding various types of safety programs in each state.
To check what type of senior driver courses might be available to you in Shreveport, Louisiana, verify with your insurance provider and/or with the state DMV for a list of approved defensive schools. Either the DMV or your insurance agent should be able to inform you if any of the courses are available for you to take over the internet.
Tags: auto insurance, senior car insurance
SR22 Baton Rouge Louisiana LA
Reader’s Question:
I was told I am classified as a high risk driver and need a special insurance in Baton Rouge, Louisiana. What exactly does is mean in the context of auto insurance in LA?
Claire
Baton Rouge, Louisiana LA
High risk drivers are those classified as ‘unsafe drivers’ and who probably gets denied by most auto insurers for coverage due to the risk factors.
The most common of this type are the ones convicted with DUI. In most states, including Louisiana LA, drivers with DUI are required SR22 filing to get back their license and drive again. SR22 usually lasts from 2-5 years and is filed by SR22 filing companies who understand the needs of those who have their licenses suspended due to some traffic violations.
Another group of high risk drivers are those 70 years old or older and those who are 20 years old or younger. They are considered high risk drivers for two opposite reasons. The older ones are considered experienced, but with physical flaws due to impaired vision, slow reflex actions, and other physical constraints. The younger age bracket of 20 below is also considered high risk due to being inexperienced and relatively being too aggressive when on the road.
Still another class are the ones who have a history of auto accidents or violations. Other insurers may try to keep these guys off the road, but there are auto insurers Baton Rouge, Louisiana out there who know their needs and cater to keep them insured. Some insurers would even give discounts to this group if over time a clean record is kept by becoming a more cautious driver.
Tags: auto insurance, car insurance, DUI, high risk drivers, sr22, SR22 filing
Young Driver Auto Insurance Louisiana LA
Reader’s Question:
My son drives our older car but my insurance company based our car insurance premium rate upon him being the primary driver of our newer car? We’re from Monroe, Louisiana. Is this valid?
Paula
Monroe, LA
Insurance companies’ policy guidelines on determining rates vary but it is normal for them to rate the youngest driver in your household as the highest rated driver and the newest vehicle as the highest rated vehicle. The reason behind this is that most insurance companies base the car insurance rates on the driver who develops the highest premium; this normally is the youngest driver. Other countries, such as the UK, also use this type of insurance rating. In addition, auto insurance policies are also rated base on the age of the youngest driver. For example, the base rates (the starting point for premiums) are set at the age of 30. That means drivers under the age of 30 attract surcharges while drivers over 30 attract insurance discounts.
In the United States it is a little better since premium rates begin to fall normally when a motorist is 25 years of age or older and has at least few years of driving experience. Try contacting the consumer division of Louisiana insurance regulatory body to find out what state auto insurance laws allow.
Tags: car insurance rate, New Driver Insurance, teen insurance, Young driver car insurance