Auto or car insurance coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others. Liability coverage is required by Louisiana law.
The second part of auto insurance covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by a collision. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverages which vary by state.
Utilizing high deductibles on the physical damage coverages can help reduce premiums. Want to see how much we can save you? Just request a quote to find out.