As with other states, Louisiana mandates drivers carry at least the state minimum car insurance policy. Insurance experts suggest purchasing more than the minimum to protect yourself financially if an accident should occur. When shopping for car insurance policies it’s important to take several factors into consideration, including location, driving history, vehicle model and personal details – MoneyGeek offers its Louisiana Car Insurance Calculator so you can estimate the potential cost of your policy!
Louisiana car insurance costs can vary widely depending on factors like driving history, credit score and age. Drivers involved in at least one at-fault accident in recent years will likely pay 55% more than drivers with clean records as insurance companies perceive them as higher risks of making future claims.
Costs vary by region due to differences in crime rates and population density; larger cities often see more collisions and theft, leading to more costly premiums.
There are ways to lower your car insurance rates. First, shop around to find the most competitive rates and compare providers – USAA tops our Louisiana rankings followed by Southern Farm Bureau and State Farm. In addition, keep a clean driving record and maintain good vehicle condition to reduce rates even further.
One way to reduce car insurance rates is to select comprehensive coverage. This type of policy pays out for damage caused by storms, vandalism and other incidents that fall outside the scope of liability coverage – helping safeguard you against expensive repair bills in case of an incident claim.
Save money when choosing a vehicle with high safety ratings and economical fuel consumption. Electronic stability control (ESC) vehicles are especially safe, while cars equipped with anti-lock brakes could reduce premiums further.
When selecting a car insurance provider in Louisiana, customer satisfaction ratings and reputation should be key components. USAA currently ranks highest according to The Zebra’s customer satisfaction survey while other well-known providers such as Allstate, GEICO and Progressive may also be considered viable choices.
If you’re new to driving in Louisiana, getting a learner’s permit could save money on car insurance premiums. Not only can this give you practice without needing an expensive rental car but bringing your permit with you at all times is also necessary as police officers may request it in certain situations – failing which fines and even registration suspension could ensue! Luckily it is easy and hassle-free to obtain one online – often taking less than 30 minutes per process step!