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• LA Auto Policy Premiums

Find Out How To Lower Your Louisiana Auto Policy Premium

FAQ About Louisiana Liability Insurance Laws

• Raise your deductibles.
• Forgo coverage you don’t need.
• Avoid duplicating medical coverage.
• Purchase a low risk car.
• Check with your insurer to see if it offers a “low-mileage discount”.
• You may qualify for a saftey gear discount.

Raise your deductibles.

The deductible is the amount of money you pay before your insurance policy helps out. By boosting your deductible up, you could lower the cost of your collision and comprehensive coverage.

Forgo coverage you don’t need.

If you are driving an older car with a low market value, it might not be worth it to have collision/comprehensive coverage because any claim you make probably won’t exceed the cost of the insurance and the deductible amount.

Avoid duplicating medical coverage.

Do you already have health insurance? Then don’t pay for more through your auto insurance. It is needed.

Purchase a low risk car.

You want to purchase a car that is has a low risk factor. The less often the make/model of your vehicle gets stolen, the more likely your premium will be lower. If it has a high safety record, it will be cheaper to insure.

Check with your insurer to see if it offers a “low-mileage discount”.

Some insurers will give you a cheaper rate if you carpool or drive less.

You may qualify for a saftey gear discount.

Many policies provide discounts if your vehicle is equipped with air bags, automatic seat belts, anti-lock brakes and/or daytime running lights. An approved alarm system or other anti-theft device can give you additional savings.