Living well in Metairie over the recent years has required a steely will and more than a bit of cockeyed optimism. After all, Southern Louisiana has taken costly beatings that have driven up insurance for citizens across the board -- 2005's Hurricane Katrina and the 2010 Gulf oil spill were but two of the most prominent disasters. Metairie residents also suffered through the Louisiana Flood of 1995 and the 2008-2009 credit collapse and recession. And it wasn't as if Jefferson County was a place of phenomenal wealth to start.
Nevertheless, whether you own a shrimp fishery, work as an independent musician, or serve as an Army Corp engineer doing cleanup and reconstruction work, you crave accurate Metairie insurance quotes to plan your future and your business dealings. This essay can help you traverse your way to better rates and more complete coverage.
Home and Auto Coverage in a Post-Katrina, Post-BP-Oil-Spill World
Even before the Gulf spill of 2010, Metairie insurance for homeowners was expensive. Consider that Louisiana had the second highest homeowners rate in the nation even back in 2007, according to the National Association of Insurance Commissioners. LA homeowners paid $1,400 on average - only Florida and Texas homeowners paid more - and these rates were nearly $600 more than what the average US homeowner paid ($822). Louisiana drivers also paid more than their fair share. In 2007, according the NAIC, LA was the third most expensive state for auto insurance. The average driver paid $1,096 - more than $300 more than the US average of $795.
Thanks to the slew of natural disasters that have rocked Jefferson Parish, even a warm bowl of homemade gumbo may be cold comfort given these dark numbers. Fortunately, entrepreneurial residents can still take advantage of lower Metairie insurance rates for home, auto, business, and other endeavors. One road to salvation is to take on more risk yourself, so that your insurer doesn't have to protect you as much. Opt out of coverage you don't absolutely need. For instance, if you don't care whether your car gets dented and dinged up, opt out of collision and comprehensive to save. With respect to your home, obviously you don't want to forego flood or hurricane insurance (if you can even get it). So aim to save money by increasing your deductible, purchasing your home and auto insurance from the same carrier, and exploring discounts for being a senior citizen, good student, low mileage driver, or low claims customer. Reevaluate your coverage needs regularly, and shop around to get multiple Metairie insurance quotes.
Cross Compare Metairie Insurance Quotes with the help of NetQuote
Typically, to do due diligence, you have to spend time filling out questionnaires for different insurance companies. This can be time consuming, annoying, and even counterproductive. Instead, use NetQuote. Fill out one online form (free to use and fast to fill out) and get back five or more Metairie insurance quotes right now to find a policy and price that's suited for you.