Lousiana Car Insurance: Things you Should Know Before Buying Car Insurance

It has become a necessity for drivers to have suitable car insurance. If you are a first time car buyer, you need to be aware of the ways in which you can get cheap car insurance in Louisiana. Some of the ways are:

Maintain a Good Driving Record

This is the most important factor considered by car insurance companies in Louisiana when offering insurance quotes. Hence, it’s better for you to have a clean driving record.

Secure your Vehicle

Cars that have a high risk of being stolen attract higher premiums. Hence, it will be beneficial for you to make your car theft-proof by installing safety features such as an alarm system. Air bags, GPS system and anti-lock braking systems are also taken into consideration. By having a car with safety features, you'll pay less in insurance premiums to car insurance companies in Louisiana.

Do the Math

If you own an older vehicle with no loans, it does not require full coverage insurance. An effective way to get cheap car insurance in Louisiana is to reduce the coverage on the vehicle. If the premium amount on the insurance policy is more than 10% of the car's worth, the insurance policy is perhaps not worth it.

Shop Online

The most common mistake consumers make, is they purchase a car insurance policy from the first company they find. You need to weigh all your options. Compare the insurance quotes of at least 3-4 car insurance companies in Louisiana. By doing so, you can choose a policy that suits your budget and your needs.

Opt for a Yearly Policy

It will be beneficial for you to choose a yearly policy instead of a 6-month policy from your car insurance company in Louisiana. This way, you will have to pay less in premiums and your rate will remain unchanged for an entire year.

Drive Less

Certain car insurance companies in Louisiana offer their customers low-mileage discounts. You can consider going to your workplace by way of public transportation at least twice a week. This way, you can cut down the usage of your car and get a cheaper insurance rate.

Minimum Coverage Requirements:

The state of Louisiana follows a Tort system and the minimum coverage requires:

Bodily Injury Liability limits of $10,000 per injured person and
Up to a total of $20,000 per accident
Property Damage Liability coverage with a minimum limit of $10,000

This basic coverage is also referred to as '10/20/10' coverage.

More information about Louisiana auto insurance policies can be obtained from the Louisiana Department of Insurance in Baton Rouge by calling 1-800-259-5300 or 1-800-259-5301 or visiting their website at www.ldi.state.la.us.

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