 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. TAGS: Auto Insurance in Louisiana, Car Insurance Louisiana, Louisiana Car Insurance, Louisiana Truck Insurance, Louisiana Auto Insurance The safest and most efficient way to communicate with your TWFG Agent and access your Insurance Policy Information.
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For more information about the mobile app, please contact Kelly Lee Insurance.  A guide to renters insurance:
Once you find your dream rental and you are all set to move in, there is one last thing you need to consider – Renters Insurance in Louisiana. Even if the neighborhood is great and the risk of break-in low, there is always a risk of a natural disaster like hurricanes, floods and fires. Most of us try to rent our apartments or homes in the safest neighborhood in the city. While that is a great start towards protecting your belongings, it doesn’t protect you from all mishaps. Renters insurance in Louisiana can help with more than just your personal property. Why do you need renters insurance? Many consider renters insurance as an additional financial burden, and that insurance is meant for expensive items we own like house, car or shop. Most of the time, it is avoided since it involves a cost, and you may feel home insurance should be done by the landlord. As a matter of fact, the landlord may have insurance, but that only covers the structure of the home. It doesn't cover the things that belong to you. In order to protect your belongings you’ll need to invest in a renters insurance policy in Louisiana. A renters insurance policy in Louisiana can provide peace of mind in case of disaster, like fire or flood. Even if a disaster happens on another floor of your apartment building, if the building is deemed unlivable you’ll need to find somewhere else to stay, renters insurance in Louisiana can provide coverage for loss of use. Renters insurance doesn't cost much! In terms of cost, renters insurance is relatively cost-effective. Depending on the monetary value of your possession, it normally runs below than $1 a day, which is pretty low if you compare it with the kind of coverage it provides. Identifying the correct policy: Renters insurance in Louisiana can be purchased from a variety of available options that depend on where you live and your age. While there are incremental policy dollar amounts, you should consider the cost and condition of your higher-priced possessions, some items may require a rider due to their value. If you happen to have an existing renters insurance policy and are moving to a new place, your existing policy should carry over, but you need to register the new address with your insurance agent and the new address may affect your current rates. In case you are considering taking out a new renters insurance policy in Louisiana, you need to decide how much coverage you need ahead of time. Consider taking an inventory of your belongings, assets, and property that could be lost or destroyed in event of a mishap. Assign a value to each and add up the list. Next decide how much you could afford to pay to replace everything on the list. Don’t allow your deductible to exceed the dollar amount you can comfortably pay out of pocket. With your personal property value in hand, call Kelly Lee Insurance and allow one of their experienced insurance agents to shop your renters insurance for you.  When you are shopping for auto insurance, you will find there are several coverages available depending on your needs and your state insurance requirements. All states require liability insurance; this covers the other driver if you are in an accident, and it was your fault. Liability is the more expensive section of full coverage but can be purchased alone if you own your car outright. It is important that you understand what you are paying for when purchasing car, truck, or motorcycle insurance, so we have defined the three sections of your auto insurance below.
Auto Liability Insurance (Car, Truck, Motorcycle, or SUV)? Liability insurance covers repair costs to others when you are at fault in an accident, and it also provides for the medical needs of the innocent party. Liability can also provide coverage to property damage other than vehicles. If you accidentally accelerated instead of hitting the brakes and ran into someone’s fence or home, liability can be applied to the damage done to the fence or house. Liability insurance also contains legal defense in case the accident ends up in a liability lawsuit. Covering your defense costs has a benefit to you and your insurance company. While protecting you, the insurer also protects itself by ensuring you are not defending yourself in a lawsuit for which they are financially liable. Understanding Auto Liability Insurance Limits Liability insurance is available starting at a state minimum and can be increased in increments. Limits means the most an insurer will be liable for if you are involved in an accident. Liability insurance limits are displayed as three numbers, like this 10/50/25. Each number represents limits in the thousands as follows: The 10 represents $10,000 in bodily injury per person injured. The 50 stands for $50,000 maximum bodily injury coverage per accident. The 25 equals the maximum of $25,000 in property damage per accident. If the accident causes damage or injuries above the liability insurance limits you choose, you can be held personally responsible and sued for the rest. That’s why purchasing the lowest liability limits in an attempt to save money is ill-advised and can have financial implications for years to come. Let’s say that you are in an accident where you hit a new base-model Infinity QX80 and it is totaled in the accident. The Infinity QX80 starts at $67,000. The 3rd number ($25,0000) in our example above represents the most the insurance company is required to pay; you are responsible for the difference between your liability limit of $25,000 and the $67,000 it would cost to replace the vehicle. You are now looking at covering the difference of $42,000 out of pocket. Now, if purchased liability insurance coverage at 100/300/100, the insurance company would cover the cost of purchasing the new vehicle up to $100,000. We recommend taking the time to speak with a knowledgeable insurance agent to discuss needs and allow them to help you determine the best coverage for your situation. The minimum liability insurance coverage varies from state to state, for example, Louisiana Liability requirements are 15/30/25, and our neighboring state Mississippi is 25/50/25, while Texas is 30/60/25. Need insurance in Louisiana? Call the knowledgeable agents at Kelly Lee Insurance for competitive quotes on your insurance needs.  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.  Getting finances under control doesn't have to be a difficult task. The people who tend to struggle with their finances the most are the ones that don’t have a blueprint to follow. Below we have provided some simple ways to put your financials into a proper perspective.
Saving What You Thought Was Impossible To Save One of the big things that people struggle with the most in financial matters is savings. Many people live from paycheck to paycheck because they have established a mentality, that all of their money not used for paying bills is disposable income. They may be reckless with spending on entertainment or dining out. All that you have to do is lock yourself into a budget, where you designated a realistic dollar amount that you want to save each month. It becomes much easier to save when you set this goal. Putting Money Aside For The Necessities In Life Life is so much easier when you choose to put aside money for the necessities in life. Homeowners need mobile home insurance, Louisiana, just like they will need car insurance. If you want to ensure your investment in your home, there is no way around this. People who fail to prepare for this, nearly always experience financial troubles in other areas in the future. They may fail to pay the insurance and experience natural disasters that can result in a loss of everything. Replacing an entire home – with no insurance – can be close to impossible for most of the working class. Driving without car insurance is dangerous because it is illegal. It is also difficult to replace a vehicle that has been totaled when you lack car insurance. Carrying car or truck insurance simply makes sense, as does homeowners. Some home and car owners avoid paying their premiums because they assume that they are saving money each month. If a catastrophic accident happens and they find their homes and vehicles destroyed, the money saved by avoiding insurance costs will not amount to much. Generally, it will not be enough to replace even a portion of what they have lost. Living Within Your Means Financials counselors preach about living within your means. Most people don’t realize they are living outside of their means because they don’t have budgets in place. Financial advisers find many individuals use their gross income as a measure and assume that they can afford things their net income cannot. It is far more practical – to look at your net pay and give yourself an allowance. They suggest money that is placed in envelopes for things like dining out and entertainment. When this money is gone, the entertainment and dining out should cease for that month. Clients that learn to run their household this way, tend have more success with saving and managing money. They also tend to have a lot less debt. Buy Instead of Finance A big money saver that that pays royally is putting off purchases of large ticket items until you can pay in cash. Generally the interest incurred on these items, increases the cost by 20, 50 or 100%. A great example is a car or home. Financing big-ticket items comes at a high cost, even with low interest. Financing is a process that allows you to make payments, but you also find yourself paying more for the home or car over time due to interest. People that save cash for homes and cars can usually negotiate and obtain better deals as well. Your home is likely your greatest investment, so it's important you understand how having insurance protects that investment. Homeowner’s insurance policies provide coverage for your home in six main areas: Dwelling, Separate Structures, Contents, Loss of Use, Personal Liability and Medical Payments. Allow Kelly Insurance to shop your mobile home insurance for you (337) 656-2890.  en you own an automobile, you must carry auto insurance according to state law. Auto insurance is essential to protecting yours and other drivers investment. Each states laws will vary on the amount of coverage that they will require you to have but make no mistake, every state requires you to have automobile insurance for you to operate a vehicle on the roads legally. If you are caught driving without insurance in Louisiana, you can your license plates canceled, registration suspended, your automobile impounded and likely pay a fine of $500 or more, not to mention the fees to have your registration reinstate. Tickets for these violations, if not paid, can turn into warrants that can land you in jail. If you get more than one ticket for lack of insurance, the state where you reside can and usually will suspend your license for a state law provided period. When they do give you your license back, you'll usually incur additional fees for the next three years to keep your license. States are taking the uninsured driver problem increasingly more serious due to the number of individuals driving without it and wrecking into other motorists. The problem is such that many insured drivers are forced to carry uninsured motorist coverage on their policy. This type of coverage will cover damages caused by someone who doesn’t have insurance. Essentially forcing a responsible driver to cover irresponsible citizens choice through increased premiums. Finding affordable auto insurance Louisiana is easy as long as you do your homework and research the companies that offer insurance. You will see many advertisements from auto insurance companies in Louisiana and some of them will advertise extremely low prices. While the lowest premiums possible may sound good at first, you may find that these companies are unethical, taking your money every month, but when you attempt to file a claim, they deny it leaving you in responsible for the damages. The government closely monitors auto insurance companies in Louisiana, so before you switch insurance companies, you might want to check and see if there are any complaints against the company. Also, be aware that most of these companies that advertise low priced insurance are quoting only liability coverage. If you are still making payments to a finance company on your vehicle, then you must have full coverage to satisfy your finance requirements and terms of your loan agreement. Full coverage insures that the vehicle will be properly restored to working condition, allowing you to make it to work so you can continue paying the finance company. It’s always a good idea to choose an insurance company that has been in business for many years and is one of the five major auto insurance providers. Your insurance company should offer twenty-four-hour customer service, a fully functional and interactive website and reputable claims adjusters. Having the right coverage when an accident occurs could make or break you. If you don’t have the right insurance coverage and you are involved in an accident, then you could find yourself in a really bad financial situation with no car and unable to get to work. Things can go downhill very quickly in a situation like this, so it’s well worth your time, effort and money to make sure that you have the right automobile coverage. If you own a business, then you will definitely want to consider the benefits of commercial auto or truck insurance. Ac ommercial auto insurance Louisiana quote will take just take a few minutes of your time to complete, but once completed, you will have appropriate coverage for your company vehicles. Commercial truck insurance is important to have so that you can protect your business and ensure it remains in business for many years to come. Tags: Commercial Auto Insurance in Louisiana, Auto Insurance in Louisiana, Insurance in Louisiana What Is Insurance A policy that an individual or some type of business entity purchases to protect themselves in the event of a difficult financial situation is known as insurance. If an individual or company is involved in an accident or incident that causes damage to someone else's property or their own property, the insurance usually covers the financial losses thus occurred. There are many different types of insurances that individuals obtain, such as health, homeowners, and life. There are also many different types of insurance that businesses, such as general liability insurance, business property insurance, professional liability insurance, and commercial trailer insurance. What Types Of Trailers Are covered By Trailer Insurance? When it comes to trailer insurance, it covers a variety of different trailers. But, most of the trailers are grouped into two categories, they are:
When it comes to getting insurance for a commercial trailer you need commercial trailer insurance. But with a basic utility trailer, it connects to a pickup truck. And, you can also bundle this insurance with your home and other insurances. What Is Commercial Trailer Insurance Insurance for commercial trailers is also known as commercial truck insurance. This type of insurance covers a variety of different trailers. It is often obtained by trucking companies and independent contractor truckers whose main business is performing long-hauling. The types of commercial trailers that are under this type of insurance are auto hauler trailer, dry freight trailer, flatbed trailer, utility trailer, and many more. Description Of The Most Common Commercial Trailers An auto hauler trailer is the type of trailer that is used by 18 wheelers to haul vehicles, and these trailers come in many different sizes and shapes. It does not matter if a trucker is hauling ten vehicles or one vehicle; the trucker needs to have the proper insurance coverage just in case any unfortunate event happens. If the auto hauler trailer is insured, the vehicles on the trailer are covered as well. If a trucker is hauling materials such as paper and plastic goods, the best trailer to do this is the dry freight trailer. These trailers are also good for hauling things that you do not want to be affected by natural elements such as snow or rain. This is because these trailers are usually an enclosed structure. When a trucker is hauling oversize loads raw steel, the flatbed trailer is commonly used. When using the flatbed trailer, the only downside is that the load is usually exposed to bad weather, if it does occur. However, if the trucker has the proper commercial insurance for their flatbed, if any damage occurs, it will be covered by insurance. The smallest of the commercial trailers is the utility trailer, and these types of trailers are usually just pulled by a pickup truck. The individuals that usually use these trailers the most are construction workers and landscapers. These trailers are usually used to haul tools, and small equipment and the equipment and tools are generally hauled from job site to job site. If the individual has their utility trailer covered with proper insurance, then their tools and equipment are protected. A few other trailers that are covered under the insurance for commercial trailers are bulk commodity trailer, concession trailer, pole trailer, and tank trailer. If an individual is looking for the property insurance that covers commercial trailers, it is definitely out there. The insurance covers every different form of trailer that is utilized by trucking companies or independent contractor 18-wheeler operators. The insurance coverage also covers utility trailers for the independent worker who makes contract work such as landscaping. Most importantly when it comes to insurance for commercial trailers not only is the trailer covered but whatever is being hauled or is in the trailer is covered as well. TAGS: Truck Trailer Insurance, SUV Trailer Insurance, Car Trailer Insurance - Lake Charles La Organizations use commercial utility trailers to transport machinery and equipment, as well as goods and supplies to different places. Commercial trailers that are used specifically for business must have valid registration and insurance with the state motor vehicle department. Remember, different states have different insurance requirements. What does the trailer insurance include? In many situations, the liability insurance from commercial auto insurance cover extends to trucks and trailers. However, there are limits to this policy, and it may not be sufficient to protect your business. The trailer insurance aims at protecting you against losses caused by different risks. Normally commercial auto insurance coverage does not indemnify the trailer itself in case of a loss. So, if your trailer is involved in a gruesome accident, the damage may not be compensated. But commercial trailer insurance can protect you in this, including other risk factors such as vandalism, theft, or fire. In certain situations, especially for specialized trailers, it could be costly to replace a trailer than replacing a van or truck. Thus, trailer insurance is imperative for business owners in this line of business. How much does Commercial Trailer Insurance Cost? Insurance costs for trailers tend to vary based on the kind of trailer in question and its value. Driving records of those behind the wheel and claims history, also play a crucial role in calculating premiums to be paid. However, getting a quote is easy; you only need to contact a reliable commercial trailer insurer to get started. Benefits of having commercial truck insurance: Tax This type of insurance is a tax-write off. Remember, commercial truck insurance is a business expense; everything about it involves spending money, from the trailer upkeep to purchasing gasoline. Think about the savings your business will benefit while working safely on the road with this insurance. Security Another notable benefit of this type of insurance is the protection for the employees. Trucking Companies already have a lot to be worried about, and if you can solve one major issue, such as ensuring the safety and care of your drivers, you must do so. Commercial truck insurance ensures the driver and other designated users have medical coverage in case of an accident. Protecting Property Equipment used in commercial trucking is expensive, not to mention the cargo. It is extremely important to protect company and client assets, including trailers, trucks, and cargo. Damage caused by a commercial trailer accident can be devastating to a small business. You could be responsible for replacement goods or need to refund your clients for purchases that fell through as a result of the accident. This can be made possible without affecting the operating capital of your business by purchasing commercial trailer insurance. Savings The last and the most important advantage could be savings you can make as a company and a business owner. Typically, businesses associate commercial trailer insurance policies with high rates, and sometimes this can’t be avoided, but shopping your insurance with a multi-line carrier could prove a profitable phone call. Kelly Lee Insurance works with over 50 independent carriers to ensure his business clients get the coverage they need at the best rates available. It Protects the Image of Your Business How people see your business can determine your business success in the future. If you have a positive brand, it is easy to convince potential customers to do business with you. But, if your company does not pay for liabilities caused by accidents, it can become challenging to find new clients and customers. TAGS: Commercial Trailer Insurance - 18-Wheeler Insurance - Commercial Truck Insurance - Lake Charles, LA Life Insurance Policies of Kelly Lee Insurance Services Why is Life Insurance Important? Life is unpredictable, and if you want your loved ones to lead a secure and comfortable life, should something unfortunate happen to you, then you should invest in life insurance. Save them from having to endure financial hardship in the event of your absence. A life insurance policy is a great way to protect your assets, and is one of the most affordable means of doing so. With so many options available in the market, one might find it challenging to make a decision on their own. Understanding your requirement and then selecting a life insurance policy can be overwhelming. If you are planning to purchase a life insurance policy in Lake Charles, LA, trust Kelly Life Insurance to help you make a well-informed decision. No Pressure Decision Making You can call us to look at your options because we carry both term and life insurance available, as well as permanent life. What is term life insurance? Term life insurance provides temporary financial protection for your family during your working years, with your ability to pay money directly to your beneficiaries after your demise. Financial obligations of those covered under the policy such as daily living expenses, school tuition for your kids, and your mortgage payments, will be taken care of. But you need a plan that promises long term coverage, which is why you should buy permanent life insurance. What is Permanent Life Insurance? This insurance provides lifelong protection and the ability to accumulate a tax-deferred cash value. Unlike term life insurance, a permanent insurance policy will remain enforced for as long as you can afford to pay your premiums if you find them affordable. Your policy and coverage need to match your families individual needs that you see as something necessary to cover. How Can Life Insurance Policies Be Enhanced? Life insurance policies such as a waiver of premium accelerated death benefit coverage, sudden illness, or even long term coverage that requires adjustment of the plan to match your family’s needs allows for the modification due to future life changes that may happen. Permanent Life Insurance Policies are used to pay premiums, as well as most financial obligations that add up over time. If you need lifetime coverage and you have the means to pay for coverage, it ensures that family stays protected. Permanent life insurance has cash value where the account grows at a rate specified by the policy. Cash values are separate from the death benefit of a permanent life insurance policy because when you pass away, your beneficiaries will not receive any of the cash value. Some insurance companies offer coverage for less than $50,000 so that the cost of a dollar per coverage is still high. Final insurance expenses are still expensive, despite the fact that they do not require a medical exam in order to determine coverage and provides coverage for a lifetime. Who Is Kelly Lee Insurance? Kelly Lee Life Insurance was initially started as a niche market in property coverage. By teaming with a company called TWFG in September 2010, we have expanded to over 50 carriers to provide clients with the most affordable insurance coverage available. We offer affordable insurance rates, and customer-service focused on knowledgeable insurance agents. We have convenient office hours and flexible appointment scheduling. We welcome your business and the opportunity for us to learn from you. Give us a call to get a quick quote on life insurance policies today! TAGS: Life Insurance - FAQs - Term Life Insurance - Permanent Life Insurance - Lake Charles, LA |
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