Cheapest Auto Insurance Rates New Orleans - Instantly Compare in New Orleans, Louisiana For Sale

Find the lowest New Orleans car insurance prices from top-rated companies. Liability or Full coverage policies save you a lot of money.
Get the best rates in Louisiana from the top companies. Instantly compare the lowest prices from carriers that would love your business. Whether your driving record is perfect, or you have several tickets and accidents, we show you the best offers so you can save money. As a supporter of NOLA, we are committed to finding you the best offers. even if your prior coverage has lapsed. Reinstatement of your policy or quickly enrolling for new coverage will get you back on the road legally and quickly.
Our specialty is Louisiana car insurance prices and we closely monitor changes and offers. Both young and old drivers can obtain affordable coverage in the Big Easy, often saving as much as 35%. Special senior rates apply for most drivers above age 50. Youthful students with good grades can also substantially reduce rates, depending on your GPA. Additional reductions are generally offered to members of AAA, vehicle owners that have an alarm system, and any person that takes a defensive driving course. And naturally, if you park your vehicle extremely close to the Mississippi River, the premium could be higher. NOTE: Compared to other cities in the state, such as Lafayette, Shreveport, Lake Charles, and Baton Rouge, prices in NO are very attractive.
All Louisiana auto policies must meet the state minimum liability limits (see below). If your car or truck is financed, collision and comprehensive benefits may be required. Although deductibles are available up to $2,000, typically, the most common deductible is between $250 and $500 for collision, and $0 and $250 for comprehensive (fire, vandalism, and theft). "Gap" coverage is also offered by most companies to protect you if you owe more than the value of the vehicle at the time of a total loss. This often occurs with leased vehicles that are totaled within the first two years.
The Louisiana Office Of Motor Vehicles can help with many of your registration and licensing issues. Special plates, ID card renewal and vehicle transfers are just a few of the additional services they provide. Additional services are provided to dealers and salvage vehicle businesses.
The Louisiana Department of Insurance is a great free resource for consumers that need help with rate filings, comparing market shares of companies, searching for licensed brokers, and keeping up to date on public hearings in your area. Your zip code may have an impact on your premium. For example, specific zip codes, such as xxxx4 and xxxx6 often have some of the lowest premiums in the area. Vehicles over 20,000 pounds will always cost more since liability requirements are higher. Also, vehicles over 50,000 pounds will pay the highest premiums.
Of course, the state minimum liability limits must be met on every policy. Currently, they are $15,000 per person, and $30,000 per accident. Any financed or leased vehicle must also have collision and comprehensive coverage, although deductibles can be chosen as high as $1,000. Choosing the UM "economic only" option will result in lower premiums. Although uninsured and underinsured motorists protection is not required, because of the large number of uncovered vehicles on the road, this benefit is highly encouraged. Also, even if you have qualified Marketplace healthcare, adding medical payments to your policy is not expensive, and will cover occupants of the vehicle.
Typically, the most competitive carriers in the state are State Farm, Geico, USAA, Progressive and Liberty Mutual. However, Louisiana prices can vary, depending on your age, zip code, driving record, and other factors. Regardless, we shop for the best car insurance rates in New Orleans so you pay less. If you own a fleet of vehicles or employees drive your vehicles, you may need a special commercial policy. Get your free quote now and instantly compare the best offers. Simply click on our secure website link below, and provide your zip code. You can then instantly request to view rates. No obligation of course.