Car Insurance in Louisiana
While Louisiana is called the Bayou State, don’t let that fool you. Louisiana has thousands of miles of roadway to travel. So, whether you are buying a new car or looking for coverage for your 10-year-old vehicle, we make getting a quote on car insurance in Louisiana easy and informed. You will want to keep the information below top of mind as you look for auto insurance coverage that's right for you.
Louisiana's Department of Transportation and Development makes it very clear that every driver must have car insurance. You'll need to keep proof of that insurance somewhere convenient in your car or wallet.
Without proof of insurance, you’ll likely be issued a citation if you are ever pulled over. The office will also require your vehicle registration; the absence of proof of either insurance or registration is justification for issuing a citation.
What is the Louisiana Car Insurance Minimum Requirement?
To legally operate an automobile in Louisiana, you are required to carry the following:
Optional, but highly suggested Louisiana Car Insurance Coverage
Are there other coverage options I should consider?
While there are several additional coverage options available to drivers in Louisiana, it is quite common for a Louisiana car insurance policy to include uninsured/underinsured motorist.
This coverage kicks in to protect you from drivers with no insurance (it happens) or minimal insurance coverage.
What does full coverage mean?
A "full coverage" Louisiana auto insurance policy typically refers to collision and comprehensive coverage. Full coverage insurance is essential for those with newer cars and will be required if you financed or leased your new vehicle
Driving without auto insurance in Louisiana!
Driving without car insurance in Louisiana can have serious repercussions. If you allow your coverage to lapse, your license will indeed be flagged at the Department of Motor Vehicles (DMV). Flagging your license prevents you from renewing your registration. In addition, the state of Louisiana may also fine you for the absence of coverage. If you allow your insurance to lapse for 1 through 30 days, the fine is $50 per violation, the fine increases to $150 after day 30, and to $300 after day 90.
What Parents should know about their teen driver in Louisiana.
Louisiana participates in a graduated licensing system. Teenagers, starting at age 15 years old, and older can obtain a learner's permit after successfully completing a state-approved drivers education course, comprising 30 hours of in-classroom training and an additional 8 hours of actual driving. When the permitted driver reaches the age of 17, they may take the Louisiana driving test.
Pending passing the driving test, he or she is eligible for the long-awaited unrestricted license. Typically, insuring a young driver is expensive, sometimes cost-prohibitive. Consider shopping around for their car insurance in Louisiana, if you are still unsuccessful, consider adding your young driver to your insurance policy.
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Picture this, you're driving down the causeway -heading for a nice day in the French Quater- and out of nowhere, a driver rear-ends you. You didn't see him coming and now all you get to look forward to insurance paperwork because the other driver was distracted by his phone, and your car is now totaled. But that is not the worst of it, because only last week you were caught in a minor traffic accident and had to make an insurance claim because the other driver was shown to have whiplash. Now you have two claims and less than a month, and your premiums will surely rise.
How many insurance claims can I make in a year?
Now you may be asking yourself how many claims you can make in a year on your car insurance. The answer is as many as you need. There are no restrictions on making claims. However, the number of claims you make can put your premiums in jeopardy. Depending on your insurance company, they may offer accident forgiveness, which means they don't raise your premiums if you go without an accident for a certain amount of time, but not all insurance companies off of this.
What other ramifications will I face from multiple car insurance claims?
If you are seen as a risk to the insurance company offering you the car insurance, they may only offer you third party liability instead of comprehensive coverage. The insurance company has the right not to offer you insurance and dictate the terms of the policy. So if you find yourself in a position where you cannot get adequate insurance because of multiple claims, then you should shop around for new insurance. As a resident of Louisiana, there are plenty of auto insurance companies in Louisiana who would be happy to help you shop for insurance and get full coverage.
What will happen to my insurance premiums
Regardless of whether you stay with the company you've been with or move to another insurance company, you will surely see an increase in the cost of premiums you must pay on a policy for your car insurance. The insurance company may offer you discounts for the safe driver or defensive driving courses or for using automatic payments. But, if you have had multiple claims over three years, then it is likely that you still have to pay a premium for insurance regardless of the discounts offered. After making an insurance claim, one can see their insurance premiums jump anywhere from 41% to 93%. So if you have a wreck, then you could be paying double for your insurance in the future depending on the amount of damage and the cost of the insurance claim that was paid out by your insurance company.
Can I appeal to the higher car insurance premiums?
You can, but it would be ill-advised. When it comes to the premiums, the insurance company has the upper hand, and they are under no obligation to keep your premiums at the current rate after you make an insurance claim. You would be much better off shopping for new insurance and explaining the situation to the potential insurance company of your choosing and ask for the mercy of reasonably priced insurance to cover your vehicle as well as yourself.
No one wants to get into a car wreck either but, accidents happen, and if you are found at fault, then you will probably suffer the consequences of higher premiums. But, it is important to understand and remember that there is no limit on the number of insurance claims you can make in a year.
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