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Louisiana Insurance: Like a Brass Band for Your Parade

Imagine a jazz band without instruments. Gumbo without roux. A day at the Gulf without sunshine. That’s what you’ll feel like in the event of an accident or disaster if you don’t equip yourself with proper insurance. Auto, home, health, business, life insurance-it’s all within your reach if you make wise decisions. By maintaining a good credit history, and never allowing your insurance to lapse, you’ll have lower premiums. Your profession and education level are also considered. With so many factors at hand, from the location of your home to the kind of car you drive, it makes financial sense to see who is willing to offer you the best deal. If you take the time to shop around for the best Louisiana insurance quotes, your motto can forever be ‘les bon temps rouler.’

Your Own Parade

If you want to drive in the Bayou State, keep in mind that you’ll have to bring more than a festive spirit to the streets. State law requires every driver to purchase at least a 15/30/25 policy: bodily injury liability limits of $15,000 per injured person, up to a total of $30,000 per accident, and property damage liability coverage with a minimum limit of $25,000. If you fail to show a police officer proof of these coverages, you could lose your plates, and possibly have your vehicle impounded. Since the state has a tort system, someone will be found at fault for an accident, and that person is responsible for the damages. There’s no law requiring uninsured/underinsured motorist coverage, but you certainly don’t want to find yourself at the bad end of an accident caused by such a driver who has no means to pay for the damages.

And yet, you can improve your Louisiana auto insurance quotes by acting shrewdly. For example, a 40-year-old woman in Baton Rouge who drives a 2006 Ford Explorer can save hundreds of dollars per driver by adding her husband to her auto policy.

Saving at Home

In recent months, the average home insurance premium in the Pelican State was $1,317. Don’t settle for average. If you add fire extinguishers and smoke alarms to your home, you may drive that premium down to $1,119. Anti-theft precautions, such as deadbolt locks and burglar alarms, often lower Louisiana insurance quotes another 10%.

Batten Down the Hatches

The entire country knows about the devastation caused by Hurricane Katrina, but locals have felt the pain in yet another way: higher Louisiana home insurance quotes. Still, the possibility of another severe storm makes adequate coverage as important as it was in the days of Hurricane Betsy. In addition to reviewing your policy for the extent of coverage for wind damage, consider adding extra benefits for your possessions, which are often only covered for 50% of the dwelling policy. And think about purchasing a separate flood policy, since floodwater damage will not be covered by your home policy.

Think, Then Act

There are many ways to make Louisiana insurance quotes fit your price range. Purchasing an umbrella policy for home and auto often saves hundreds of dollars. Any number of personal characteristics also play a role. If you think your circumstances have changed, or if you just want to see if companies have begun offering lower rates, you should compare Louisiana insurance quotes again. A free service like makes the comparison shopping easy and efficient. Remember, Louisiana home insurance is like gumbo: there’s more than one way to make it, and life is infinitely better when it’s around.

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