Louisiana Auto Insurance
Louisiana drivers have some of the lowest minimum car insurance requirements in America however Louisiana car insurance rates are the absolute highest of any other state. This is why Louisiana minimum car insurance requirements are kept so low. The only auto insurance drivers are required to have is $15,000 in bodily injury liability for injuries sustained by one person, $30,000 in bodily injury liability for injuries sustained to more than one person and at least $25,000 in general property damage coverage.
While you might think that these low minimum requirements are good news, the truth is that they really don’t offer you the type of protection you need as a driver in today’s world. As such, if it is at all possible for you to obtain automobile insurance above these standards, then you should do so. For protection that is truly adequate, you’ll want to consider a full coverage auto insurance policy consisting of liability, collision and comprehensive coverage with policy limits exceeding $100,000 even if that means cutting corners in other areas of your spending.
What is the average cost of car insurance in Louisiana?
Car insurance does not come cheap in Louisiana. In fact, Louisiana drivers pay over 80% more than the national average and double the amount of what most other drivers pay. A big part of the reason for this is that the Louisiana court system will take a trial to jury court if it is in excess of only $50,000.
Average car insurance rates paid by Louisiana drivers are approximately $2,310 per year. The national average is only $1,440 a year, so you can see just how important it is to be careful about selecting an auto insurance company in Louisiana. There are a few, but not many providers, who can cut you a good deal, providing that you have a clean driving record, but you have to do a lot of research to find them. Also, if your driving record is subpar, you can choose to take defensive driving or other driver’s education courses to help you to reduce your insurance. In a state where insurance costs so much, it is in your best interest to do anything you can to lower your premium rate.
Louisiana Teen Driving Laws
If you are a teen driver, or a parent to a teenager just starting out driving in Louisiana, then it is very important that you know the state’s teen driving rules. Even the smallest violation of one of these rules can result in higher auto insurance premiums, something you definitely can’t afford in a state that already has such high rates.
In order to obtain a Louisiana learner’s permit, which is required for teenage drivers seeking to eventually obtain a license, the driver must be at least fifteen years of age. Also, the driver must possess his or her permit for a period of six months before being allowed to test for a license. During the time that the permit is issued, the driver is required to get at least 50 hours of driving practice, of which at least 15 should be during the evening and night hours. After completing this training and reaching the age of 16, a driver can test for a driver’s license. When the license is awarded, it is considered “restricted” until the driver reaches the age of 17 or 18, depending upon the amount of time the driver has had his or her restricted license.
During the restricted license stage, the driver is not authorized to drive between the hours of 11 p.m. and 5 a.m. on any day of the week. Also, the driver may not transport any more than one passenger under the age of 21 between the hours of 6 p.m. and 5 a.m. However, there is no passenger restriction between the hours of 5 a.m. to 6 p.m. Young drivers who are caught breaking any of these rules can be subject to fines or fees, ticketing, license suspension after multiple violations, and, of course, higher insurance rates.
Obviously, living in such an expensive car insurance state is not easy for anyone, but especially not for teen drivers. Teen drivers must understand, however, that driving is a privilege and a serious responsibility and that not obeying the laws that pertain to driving carries with it seriously and costly consequences.
How do I find the best auto insurance rates in Louisiana?
While auto insurance comparison is highly recommended to help find the best car insurance rates no matter where you live drivers in Louisiana really need to compare as many car insurance quotes as thy can before selecting provider. Auto insurance rates vary from one provider to another and even the smallest different can equal $100 ore more in annual savings.
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