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Six Things That Make Baton Rouge, Louisiana So Remarkable

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The second largest city in the state, Baton Rouge, Louisiana is a remarkable place to live and work. It is a terrific place to do business and recreational opportunities abound. Here are just six of the things that make Baton Rouge so remarkable.

  1. As the capital, the State of Louisiana is the area’s largest employer with over 22,000 employees. That is more than twice the amount of the city’s second largest employer.
  2. In terms of tonnage shipped, the Port of Baton Rouge is the 9th largest port in the United States.
  3. There are only two other state capitals located further south than Baton Rouge. They are Tallahassee, Florida and Austin, Texas.
  4. The Capital Building in Baton Rouge is the tallest capital building in the entire United States.
  5. Over 40% of the population of Baton Rouge is 24 years of age or under.
  6. There are over 13,000 hotel rooms and 900 restaurants in Baton Rouge.

Baton Rouge is filled with remarkable local businesses. If you have a business here, you likely protect it with commercial insurance. Commercial insurance can provide financial protection from losses due to theft, storms and vandalism. It can also protect businesses in instances where someone may sustain an injury while on their property. Depending on your type of business there is also coverage you can acquire to protect you from product liability.

At David Cordell Insurance, our independent agents will scour a variety of insurance providers to find you the quality coverage you need and deserve at a price you can afford. We offer both commercial and personal lines of insurance. If you reside in the 70809 zip code or the surrounding area, visit our website to get an online comparative quote on auto and homeowners insurance. For commercial insurance quotes contact us.

David Cordell Insurance is proud to serve Baton Rouge and we would be pleased to assist you.

Got a Ticket? What do you do next?

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Called the Sportsman’s State, there are numerous activities sportsmen can do when they visit the state of Louisiana. From hunting alligators to frogs to catching fish, the great state of Louisiana offers many types of terrain that all types of wildlife call home.

The excitement and anticipation of hunting often lead to a range of emotions for many people in Louisiana. Many people become so enthusiastic that they may get a ticket before they get to the big hunt. If you are facing a ticket in Louisiana the following are a few things you can do to remedy the problem.

Calm Down
Getting a ticket can have a negative effect on your entire day, but you control whether it does or not. To protect your health and prevent the situation from getting worse, you should calm down immediately. Allowing the officer to do his job will help you get back to hunting your big game.

Research Your Ticket
There are many violations residents of Louisiana can get cited for while driving. From seat belt tickets to speeding tickets, you must know what the consequences are and how you can potentially defend yourself against the ticket. When you research the ticket, you can easily find out more information about it and plan your next steps.

Beat the Ticket
If you find that you were not in violation or you have a legal justification for breaking the law, e.g. handicap waiver that excludes you from wearing a seat belt, then you should hire a lawyer. A lawyer will help you present your case in the court of law, and if you win, prevent you from receiving points on your license.

Whether you are concerned about your commercial insurance or personal auto insurance, knowing what to do after getting a ticket will help reduce the impact of your ticket. You can call our local office to get more information about how the ticket will impact your business insurance or personal rates by speaking with one of our agents.

How Much Auto Insurance Do You Need?

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Louisiana’s Old State Capitol is a sight you have to see whether you are a resident of Baton Rouge, Louisiana or you are visiting with your family. Full of history and mystery, touring the building will definitely help you increase your knowledge about Baton Rouge. Before you embark on your trip, it’s important that you have the right amount insurance coverage on your auto. How much auto insurance do you need? The following outlines considerations you should make to ensure you have enough coverage.

Coverage for At-Fault Accidents
In 2009, nearly 33,000 people died as a result of a car accident in the United States. Additionally, there were over 2.2 million injuries sustained as a result of an accident. With the odds of being in an accident increasing each day, you must have enough auto insurance to cover the cost of the worst scenario happening—vehicular death. Although your auto insurance covers minimums established by the state of Louisiana, legal monetary settlements often include repairing the car, covering medical costs, paying a penalty for the accident and loss of wages. On average, the legal settlement for a car accident is $19,806. If you are involved in multiple accidents in any given year, you may have to cover some of the costs if you do not have enough insurance.

Collision and Comprehensive Coverage
Collision and comprehensive insurance coverage helps repair or replace your car when you are not at fault. These coverage options help when your car is damaged by a tree, stolen or vandalized. If you have a new vehicle, the cost of repairing or replacing your car can be enormous, so you want to speak with one of our local agents to ensure that you have enough insurance coverage to get you back on the road.
Getting quotes for car insurance is easy when you contact us, your local independent insurance agent. We will answer your questions to ensure that you have the policy that best fits your needs. If you are in Baton Rouge, LA, in zip code 70809, do not hesitate to give us a call and compare coverage using our website to get quotes.

 

What Do I Need To Do When I Get A Learner’s Permit?

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Louisiana is known for a number of things, including Creole food, the Bayou, and Mardis Gras. Various metropolitan cities are found throughout the state and this allows residents to find career opportunities, museums, and more. The cost of living is dramatically lower than in other parts of the United States and this is a major appeal.

Car insurance is a necessity when driving on the roads. Once there’s someone in your home that gets a learner’s permit, you will need to make sure to call the insurance company. This is because the person with the permit needs to be added to the policy.

Without knowing what you’re doing, the cost of the policy could increase substantially. This is because of the greater assumed risk of a young and inexperienced driver behind the wheel.

It’s a good idea to call one of our independent agents. With a learners permit in Louisiana, we can look through a number of insurance companies for the best prices. This will help you to get a more affordable policy. We will also talk to you about the need to increase coverage.

When you have car insurance in Louisiana, it’s important to understand the insurance options. You have to maintain the minimum liability that is required by the state. However, you can increase the coverage levels and with a learner’s permit in the house, this is a good idea. The thought process behind increasing the coverage levels is that if a student driver does get into an accident, you are responsible for less, financially speaking. If you only have $25,000 worth of property damage coverage and the accident involves $50,000, you would be responsible for the remaining $25,000.

Call and talk to one of our agents today so we can help you to find an affordable policy that provides permit coverage.