How Much Auto Insurance Do You Need?

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?

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.