How to Get a Cheap Louisiana Car Insurance Rate Online
June 12th, 2010 | 
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Most Louisianans are spending way too much for their car insurance coverage. Here’s how to get a cheap Louisiana car insurance rate online with a reputable company.
Louisiana Car Insurance Requirements
In the state of Louisiana you must have the following minimum insurance coverage:
1. $10,000 worth of bodily injury liability coverage to pay medical expenses for one person you injure in an automobile accident.
2. $20,000 worth of bodily injury liability coverage to pay medical expenses for all the people you injure in an automobile accident.
3. $30,000 worth of property damage liability coverage to pay for repairs to the car and personal property of the person you hit in an accident.
The above liability insurance is all that’s required to drive your car in Louisiana. However, liability protection provides no protection for you, your car, or your property. In order to fully protect yourself you should also carry …
* Uninsured motorist coverage to insure you against losses caused by an uninsured, underinsured, or hit-and-run driver.
* Collision coverage to pay for repairs to your car after it’s been damaged in an accident.
* Comprehensive coverage to pay for repairs to your car after it’s been damaged by fire, vandalism, theft, floods, or storms.
* Personal injury protection to pay your medical bills and your passenger’s medical bills after you’ve been in an accident.
Where to Get a Cheap Louisiana Car Insurance Rate Online
The easiest way to get a cheap rate on Louisiana car insurance is to compare rates from different companies at an insurance comparison website. At these sites you fill out a simple questionnaire with information about your car and the amount of coverage you want, then wait to get quotes to compare.
Most of these sites only work with A-rated companies so you know the company you choose will be reliable. The best of these sites feature a chat service so you can get answers to any questions you may have about Louisiana car insurance and car insurance in general (see link below).
Visit http://www.LowerRateQuotes.com or click on the following link to get cheap Louisiana car insurance rate quotes online from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section.
Watch the video related to car insurance
No claims in more than four years means no deductible to pay if you qualify for Disappearing Deductibles. Saving you money on boat insurance. Now, that’s Progressive.
Help answer the question about car insurance
How can I lower my car insurance if it is high because of bad credit?I have been told that my car insurance is high because of a bad credit rating. I am currently enrolled in a DMP to pay down some credit cards and I'm sure this is why it is so bad. Will any insurance company work with me to lower my rate? I currently have GEICO insurance bc it was the lowest I could find. I lease my car and always make my car and insurance payments on time.
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It depends on your driving records and the state you live in. Since, you're a beginner and you want to buy a 2-door car, your insurance will be expensive. It also depends whether you want to get a liability or a full coverage for your car, a full coverage will cost more. Get free quotes from different auto insurances before you buy a car, and find the cheapest.
Good luck.
How much it costs is going to vary, based on a bunch of your personal information.
Start with http://www.progressive.com, for insurance. You can get a quote on the internet – you fill out the very personal information, they will email a quote back to you.
It will be easier if you have a US license, but if you don't, as long as your license is written in English, it's not a problem. Otherwise, you'll need an international license.
Was a citation issued at the time of the accident? If not, it won't show up in the MVD. The insurance industry also has something similar to a credit report, called the CLUE report that lists past property and casualty claims made by you. That is used as well in determining your insurability.
i love it
LOL This is so funny. Love it.
If you park your car on your parent's property, and never drive it anywhere, you might not need to have any insurance.
But if you are going to take that car out on the public highways, you need all sorts of different types of insurance to pay for medical expenses if anyone hurt in an accident, pay for repairs if any damage from accident, get another car if it is stolen, protect your assets (house, car bank accounts) from beign drained by law suits, and also keep you out of jail.
While you are living under your parent's roof, they can add you to their insurance policy … this will be expensive, but not as expensive as a policy in your own name.
Once you go to college, and live wherever the college is, no longer under your parent's roof, then you do need to have policy in your own name.
The cheapest is the one you have found yourself after you have checked out about 15 insurers and know which one asked you the least money based on your details.
Comparison sites will simplify this task for you but you'll still have to check a few. It's the same as buying a car, the more you research around and look at different cars, the better deal you will get.
I've bookmarked this sites to go back to…
http://finance.ebookorama.com/ukusa-selected-resources.php
http://gsx1.com/InsuranceComparison.html
just fill in the form, see what they ask, write it down, see a few more, the more legwork you do the more chances there are you'll save some money.
Look for more comparison sites in google, too.
Insurance cost depends on a LOT of factors, which includes but may NOT be limited to:
* make, model, trim, and year of car
* optional equipment in the car (ABS, traction control, etc.)
* theft deterrent equipment in car (alarm, Lojack, etc.)
* other equipment in car (fire extinguisher, emergency kit, etc.)
* location where it is stored
* mileage driven per month
* where you drive to and from
* your age
* your driving record
* your gender
* your profession / job
* amount of coverage you are buying
* type of coverage your are buying
* and more
You should get quotes from as many companies as possible.
Honda Prelude is considered a 2-door sports coupe, so insurance will be higher than, say a Ford Taurus GL of same year.
Contact a local agent. I personally went with AllState and my agent was quite helpful. Others deal direct with companies like 21st Century, GEICO, Progressive, and so on. It's all up to you. Just make sure you compare the same coverage across different companies.
McDreamy!
When you rent a car, you have to have full coverage on the care that you own (your personal vehicle) and then that will automatically carry over to the rental. If you do not have full coverage you can add it to your existing policy for the amount of time you'll be renting the car OR just buy the insurance from the rental place. And to answer your other question, no your policy will not cover somebody else's car just because you're driving it. Insurance covers vehicles, NOT people, even if you were in an at fault accident, your friend/relative's insurance would have to cover that loss.
lol
The dealership offers you insurance when you are purchasing the car. So you will have to give the dealership the insurance money.
Lol!
this is co freaking funny
If it is an old vehicle then it shouldn't cost too much. Try getting a quote online. I am paying less than ½ of what I was before.
Go to: http://www.insureme.com/landing.aspx?Refby=615451&Type=auto
Take care,
Casey
i work for Allstate, but I love this commercial, lol
Is that Hip Hop Artist JuS L?? Hes a busy guy…haha
HYSTERICAL!