Saturday, December 20, 2014

Lousiana Car Insurance





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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