By law, Louisiana licensed drivers are required to hold an automobile insurance policy which covers against loss in the event of an automobile accident. The minimum amount of liability insurance coverage for residents of Louisiana is as follows:
Ten thousand dollars because of death or bodily injury of one person in any one automobile accident.
Twenty thousand dollars because of death or bodily injury of two or more persons in any one automobile accident.
Ten thousand dollars because of the destruction of property to others in an automobile accident.
You must keep your insurance card in your vehicle at all times. As required by Louisiana State law, you must show documented proof of Financial Responsibility at the request of a law enforcement officer, when registering or renewing the registration for a vehicle and before receiving a drivers license or the renewal of a drivers license.
Failure to comply with Louisiana’s Financial Responsibility could lead to the impoundment of your vehicle and suspension of your driver’s license.
For acquiring coverage for your vehicle, the question is where can one find cheap automobile insurance policies? There are so many insurance companies out there. How do you know which one to choose? Shop around! Don’t simply pick the first insurance company that your eyes land on in the yellow pages.
Finding cheap rates requires a little homework. The easiest way to compare automobile insurance rates is to find a website that can do this for you with just a click of the mouse. Try http://www.zipquotes.net/1011/index.html for insurance quotes. Click on “Best Local Rate Finder,” then enter your zipcode for automobile insurance agents in your area.
When calling an automobile insurance agent, if you are at least 50- years old and a member of AARP, it’s a good idea to mention this. Many insurance companies offer additional discounts to AARP members.
Do you have a less than perfect driving record? Maybe an insurance lapse or cancellation in the past, or speeding tickets? You may want to check with http://www.thegeneral.com/auto-insurance/louisiana.html This company may be able to work with you in obtaining a decent rate regardless of your past circumstances.
