Cheap automobile insurance in Louisiana is not too hard to come by. Louisiana is one of those states that is not too demanding when it comes to car insurance requirements. This means that it is possible for car owners to keep their insurance costs low if they go with a bare bones policy of only the state mandated coverage. However, cheap automobile insurance is never the best option. Knowing what you need to have and what you should have will equip you to make the best decision for your car insurance needs.

Cheap Automobile Insurance: Mandatory Louisiana Coverage

The only car insurance coverage that is mandatory in the state of Louisiana is liability coverage. It is mandated that all car owners carry $15,000 bodily injury liability per person; $30,000 total bodily injury liability per accident; and $25,000 total property damage liability per person. These low limits help to keep the cost of automobile insurance down for those who opt for a policy with only mandated coverage.

Beyond Cheap Automobile Insurance: Recommended Louisiana Coverage

While saving money is important, insurance is really about protecting your assets and cheap automobile insurance provides very little protection. In reality, a policy that has only required Louisiana coverage limits will not even be sufficient to cover expenses if you were at fault in a serious car accident. Therefore, you should begin your search for car insurance by getting quotes on liability coverage of at least: $100,000 bodily injury liability per person; $300,000 total bodily injury liability per accident; and $100,000 property damage liability per person.

Another very important coverage to carry is known as uninsured/underinsured motorist and it covers you in case you are injured in an accident with someone who does not carry car insurance. In the state of Louisiana, there are an estimated 12.9% of drivers who fall into this category, which means that your risk of being in an accident with one of them is significant enough to warrant the coverage.

The above forms of coverage only deal with liability and medical expenses. For many people protecting their own personal property is very important too. Collision and comprehensive coverage take care of that. Collision will provide for physical repairs or replacement of your car if it is involved in an accident. Comprehensive covers your vehicle for perils like fire, theft and storm damage, among others. If your vehicle has a significant worth, you should carry these types of coverage. If your car is financed, your lender will require you to carry them in a full-coverage policy.

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