Compare Free Louisiana Car Insurance Quotes and Save
If you have a parade vehicle, you're in luck! It's one of the few vehicles that don't have to carry liability car insurance in Louisiana (those vehicles owned by the State of Louisiana and individual Louisiana cities also don't need Louisiana car insurance. All other vehicles do.)
To help you find cheap car insurance in Louisiana, CheapCarInsuranceQuoteTips.com offers a free service that will present you with a list of companies providing Louisiana car insurance quotes. Place your ZIP code in the box to the right and we'll send you a list of insurance companies in your neighborhood. You can then call them to learn more about affordable car insurance -- or not. Our service is complementary and you don't have to buy any insurance from any of the companies on the list.
Louisiana has liability insurance minimums. They are:
- $25,000 in property damage
- $15,000 in liability insurance per person per accident
- $30,000 per accident for death or bodily injury
You'll need to always carry proof of your insurance in the car with you.
The Pelican State doesn't require that you purchase Louisiana car insurance coverage for uninsured/underinsured motorists. However, if you or any passengers in your vehicle are injured in an accident caused by someone who doesn't have insurance -- or enough insurance -- uninsured/underinsured coverage protects you. So you may want to get some Louisiana car insurance quotes for uninsured/underinsured motorist coverage.
You may want to think of purchasing uninsured/underinsured car insurance in Louisiana for another reason: Louisiana is a tort state, meaning one of the driver's in an accident will be found "at fault" for causing the accident. The "at fault" driver and his or her insurance company are then responsible for damages. So if the person who hits you has the minimum of cheap car insurance, Louisiana requires that that person must pay for any injuries or property damage. But if the driver has no insurance, or very little, uninsured/underinsured coverage will help you.
You also may want to purchase liability insurance for more than the minimum requirements. Property damage and injuries can cost several thousand dollars today and, once your minimum insurance coverage is met, you'll have to pay for any difference from your own pocket. A higher amount of insurance can really prove beneficial if you ever need it.
You definitely don't want to be caught without auto insurance in Louisiana: your car can be impounded immediately! At minimum, your driver's license and your car's license plates can be revoked or suspended. You'll also have to pay fines and some administrative fees.
Save yourself from the chance that you could see your car impounded by purchasing affordable car insurance. CheapCarInsuranceQuoteTips.com can help you find insurance for your vehicles. Just put your ZIP code in the box to the right and we'll send you a list of several insurance firms happy to help you purchase insurance that fits your budgets and your needs. There's no charge for this service; neither are you obligated to purchase insurance or anything else from the firms names on the list we send you.
