Louisiana Car Insurance
Learning about Car Insurance in Louisiana
Being informed about what the requirements are needed for buying auto insurance in Louisiana are imperative if you want to save as much money as you can. Everyone is budget-conscious, so learning the basics of what you need and what is mandatory for every state is a way you can manage your policy and to ensure that you only pay for what you need.
For the State of Louisiana, it is required that most vehicles are properly insured. The only exceptions to the rule are parade vehicles, cars owned by the state, and busses owned by the individual cities within Louisiana.
Minimum Amounts Required for Auto Insurance in Louisiana
- $15,000 per person for any one accident
- $30,000 per accident for bodily injury or death
- $25,000 for property damage per one accident
If you take a look at the chart above, it clearly shows the significance in premium rates for auto insurance, comparing Louisiana with the rest of the United States. Prices seem to fluctuate (even if ever so slightly) between each month or so, so you could use this chart as a guidance as to when it is the best time to buy or switch auto insurance policies.
Unlike some states within the U.S., Uninsured and Underinsured Motorist Coverage is optional for all Louisiana drivers. This coverage pays the policyholder if their car is hit by someone who does not carry any auto insurance.
A Tort Insurance System is defined as a guideline where someone must be found at fault during the scene of an accident, who is then responsible for all the expenses and costs of the damage.
If you’re a teen or a new driver, there is crucial information that you should know that could be really helpful when obtaining car insurance. You will first have to complete Louisiana’s Graduated Driver Licensing (GDL) program which requires the following to complete:
- Obtaining a learner’s permit by being between the age of 15-16, finishing a state approved driver’s education course
- Pass the written test
- Pass the vision test
You must also provide the following documents to the Louisiana Department of Motor Vehicles (DMV) to obtain a learner’s permit in Louisiana:
- 2 forms of ID, including a photo identification card
- Social security card
- Proof of school enrollment or graduation
- Written consent of parent or guardian (if under the age of 18)
Please note that you must have the learner’s permit for a minimum of 6 months in order to qualify for the next stage, which is the transition to owning an intermediate license. Other requirements are:
- Be at least 16 years old
- Pass the road test
- Obtain parental consent (if younger than the age of 18)
After meeting the above conditions, you can then apply for Learner’s License (you must be at least 17 years old), and to meet the prerequisites you will need to:
- Pass the written test
- Pass the vision test
- Pass the road test
- Obtain parental consent if you are under the age of 18
It is very easy to purchase auto insurance for the state of Louisiana, start by first applying for insurance quotes. Entering your zip code below will get you further to finding the right coverage at the most affordable price. Comparing insurance companies and policies will let you know what type of discounts and savings they offer, and acquiring quotes will let you know which company to go forward with. You could save up to hundreds of dollars each month by doing so, so start today!
Sources:
Auto Insurance Tips: Louisiana
Auto Insurance Tips: Laws, Minimums, and Requirements
Auto Insurance Tips: Teen Insurance
