Jazzing Your Rates: New Orleans Insurance

Life in the Big Easy is a constant celebration. Not only is it the place to be to listen to the finest jazz or to commemorate Mardi Gras, but its residents have a lot to toast to now that they're rebuilding their community. But New Orleans insurance bills are a whole different creature.

Insuring Your Saint City Home

In 2006 the average premium for an HO-3 policy in Louisiana was $1,257, according to the National Association of Insurance Commissioners. It goes to show you, when the levees break, there's a hefty price to pay. Not only did residents suffer inexplicable loss after Hurricane Katrina, they were paid back with sky-high New Orleans insurance quotes. Shocking as it may be, having a homeowners insurance policy is critical when you live in a hurricane-prone state. With this in mind, obtaining additional flood insurance is basically a must. You're New Orleans insurance quotes may not be low, but buying a homeowners policy will be your saving grace if your home is destroyed in the next hurricane.

Driving at Ease

You are required to carry 10/20/10 liability auto coverage in The Big Easy. That is, you must have $10,000 worth of coverage for bodily injury to one person, $20,000 for bodily injury to more than one person in a single accident, and $10,000 coverage for property damage. If you choose to take a gamble and drive without this minimum coverage, you are subject to fines and your plates will be taken. Moreover, if you are involved in an accident without New Orleans insurance, the law known as "No Pay, No Play" will prohibit you from collecting the first $10,000 in property damages and the first $10,000 in personal injuries from the other driver, even if he is at fault.

If you are a law-abiding citizen, you are already carrying this minimum coverage. But without additional coverage such as collision, comprehensive, uninsured motorist or underinsured motorist, the walls could start tumbling down if your car is totaled or you are injured in an accident. It would do you well to gather some New Orleans insurance quotes and find out how much additional coverage you can afford and put it towards your current policy.

Finding New Orleans Insurance Quotes

Even though your New Orleans insurance rates are a bit intimidating, there are ways to save money. Insurance companies offer their customers discounts for things like combining policies and installing burglar alarms to their cars and homes. Some even offer discounts if you are a good student or a senior citizen. Take a few minutes and fill out a quick and easy form at NetQuote.com and see if you're getting the best, most affordable coverage out there.