Regardless if you are considered a preferred or high-risk, we will show you the most competitive offers from all major carriers. There are no fees or obligations, and we do not collect any personal or financial information. We shop and research so you pay less for your coverage. We shop and compare big and small companies, and each day we update any changes in costs or policy benefits from all companies. We review and find the best offers so you can choose among the lowest available premiums. Our "Lowest Price Guarantee" allows you to easily shop and compare online and easily apply for a policy.
Louisiana has very affordable options from many of the nation’s top-rated companies. Some of the carriers with the most attractive prices include Geico, Louisiana Farm Bureau, Progressive, USAA, Shelter, State Farm, Allstate, Liberty Mutual, and California Casualty. Many other companies are available, and are often the best option, depending upon the Parish where you reside. For example, many Parishes have extremely low rates, such as Jefferson, East Baton Rouge, Gretna, Covington, Lake Charles, and Amite. However, there are penalties that apply to drivers without coverage, and these fines apply to all areas of the state.
Since property and casualty prices tend to gradually increase, by reviewing all licensed carriers that offer coverage in your area, you can quickly determine if the rates you are paying are still competitive. Of course, replacing older vehicles with newer vehicles will generally increase the premium. The addition of youthful drivers to the policy will also raise rates.
State residents must register their vehicles and meet the state minimum liability requirement of $15,000 per person, $30,000 per accident, and $25,000 of property damage. Uninsured and underinsured motorist’s coverage, medical payments, towing and labor, and rental reimbursement are typically optional, although they should be strongly considered. Collision and comprehensive coverage is required for financed or leased vehicles. Minimum liability limits and maximum deductibles may apply. Gap riders for leased vehicles can help you protect against rapid depreciation of the vehicle. You might be amazed to know that cheap car insurance rates in Louisiana are indeed available! If you are moving to a different state, we will also provide a comparison of the best policy options. New drivers can take advantage of several discounts that can save hundreds of dollars each year. Ut's also possible that your employer can offer group-payroll discounts when you pay enroll your property and casualty products.
The Louisiana Office Of Motor Vehicles helps enforce state regulations and also provides customer assistance with licensing of new and current drivers, B-Plate calculation, lease-termination notices,vehicle titles and registration, identification card renewal, inspection of personal and business cars and trucks, paying tickets online, ordering special license plates, lease termination notices, and many other services. You can also order an abstract of your MVR report. Whether you live in New Orleans, Baton Rouge, Lafayette, Shreveport, Monroe, or any other city in the state, it is mandatory to have your vehicle covered at all times.
Get free quotes now. We shop for the lowest car insurance rates in Louisiana, so you maximize your savings and get high-quality coverage. Click on our secure link, provide your zip code, and choose several carriers to compare prices. No cost and no obligation.
Although policies are available in every county and city, the areas that offer extremely competitive offers include Baton Rouge, Shreveport, Lafayette, Lake Charles, Monroe, Houma, Laplace, and Terrytown. Rates are determined by specific underwriting criteria, which can vary from one company to another. Typically, age of drivers and vehicles, number of moving violations and at-fault accidents, zip code, available discounts, and number of miles driven per year, impact the cost of coverage. If you need non-owned vehicle coverage, special policies will provide affordable coverage at the lowest available rate. If traveling to Mexico or Canada, specific riders or short-term coverage is also offered. Rates will depend on length of trip, and what type of vehicle is driven.
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