As a New Orleans driver you’re going to pay more than most for car insurance. This is why you need to get New Orleans auto insurance quotes online. They are one of the best ways you can save money no matter what your driving history, age, gender or the car you drive.
You can get free quotes simply by entering your zip code above. However, New Orleans has many unique issues when it comes to auto insurance. Thus, you may wish to find out more about it. Getting the right policy is not always a matter of price. You need to know what is required of you by law and what may be just something nice to have.
You can learn more by reading below.
New Orleans Auto Insurance Agents To Help You
New Orleans Allstate Insurance Agents
Allstate has 8 agents in New Orleans itself and several others in places such as Gretna, Metairie, Chalmette and Terrytown.
New Orleans Geico Insurance Agents
Surprisingly, Geico does not have a single agent in New Orleans proper. However, they do have an agent based in Metairie.
New Orleans Progressive Insurance Agents
Progressive has 16 insurance agencies and agents it does business with in New Orleans. Unlike other insurance companies on this list, they do not own the agencies, but instead their policies are sold through independent agents.
New Orleans State Farm Insurance Agents
State Farm has 18 agents just in New Orleans itself. This makes them the company with the largest number of agents on the ground.
Louisiana Insurance Company And Agent Search
Find out if your insurance company and/or agent are properly licensed by the state of Louisiana.
Your insurance agency not listed? If you own an insurance agency that operates in New Orleans and would like to be included in our listings above please use our contact form. At the current time we do not accept individual agent listings except as part of our paid featured listing option.
New Orleans Car Insurance Rates For Normal Drivers
New Orleans is the third most expensive city in the United States to buy auto insurance according to the Insurance Information Institute. They claim average premiums were a mind blowingly high $3,600 per year. Over 4.5x more than their findings for the US national average.
On a positive note, those getting online car insurance quotes may be able to save money, at least according to CarInsurance.com. They found that people who used their site, got policies with average annual premiums of $2,262. Still very high, but much better than the numbers from the Insurance Information Institute. So use the forms at the top or bottom of this page to get a free New Orleans car insurance quote, and you could be saving money too.
Driving In New Orleans
New Orleans is a bizarre place to drive from a statics point of view. First of all, it is a relatively safe place to drive from a driving fatalities point of view. According to the National Highway Traffic Safety Administration, Orleans Parish is the 9th most dangerous in terms of road deaths. There were 20 in 2010, about half of the number in 2009. For a city and Parish of its size, these are actually pretty good numbers.
However, when you delve a bit deeper, you find that more minor accidents are far more common. The Allstate America’s Best Drivers Report™ found that New Orleans ranked 156th in terms of safety. On average drivers can expect to get in some form of accident, once every 7.7 years, nearly 30% more often than the typical US driver.
This may in part be due to amount of congestion the city faces. According to the INRIX National Traffic Scorecard the New Orleans Metropolitan area is the 40th most congested in the whole country, above where it should be given its size. It has 3 of the 1000 worst traffic corridors in the country: The I-10 West Bound in the evening (108), The I-10 East Bound in the morning (240) and the Pontchartrain Expressway West Bound in the evening (256).
As a result of the number of accidents, along with the high crime rate in New Orleans rates tend to be high as you saw above. The key is getting instant car insurance quotes online, so you can get the best deal given your circumstances.
Louisiana Auto Insurance Laws
All drivers in New Orleans are subject to Louisiana’s auto insurance laws. The first thing you need to know is that liability insurance is required for all drivers. The amount you need depends on your the weight of your vehicle, but most drivers need at least the following:
- $15,000 for bodily injury liability for one person;
- $30,000 for bodily injury liability per accident;
- $25,000 for property damage liability.
These are minimums only! You should probably get more liability insurance coverage along with other forms of insurance. Make sure you speak to a licensed insurance agent or company representative before settling on one policy. Only they are legally allowed to give advice based on your needs and desires.
Louisiana is also unique in that they have a “No Pay, No Play Law”. This basically means if you do not have insurance coverage, you can’t make a claims under a certain amount against another driver, even if they are 100% at fault in an accident. It is designed to get people to buy insurance.
Finally if you do get in an accident, it is good to know that Louisiana operates under the tort system of fault. To put it more accurately, it is a pure comparative negligence system. This means how much money you can claim from the other driver in an accident depends on their and your degree of fault. If you are 40% at fault in an accident then you can only claim back up to 60% of the costs from the other driver.
To find out how this and other Louisiana auto insurance issues affect your rights as a driver, please speak with a licensed insurance agent, company representative or with the Louisiana Department of Insurance (see link below).
Finding The Right New Orleans Car Insurance To Save You The Most Money
There are a lot of New Orleans, LA car insurance policies out there for you to consider. Different policies will offer different kinds of protection for you. Yet, it will remain that you will always want to have the best car and auto insurance coverage out there.
While you might be more focused on getting as much protection as you can, you don’t have to miss out on the joys of saving some money by getting the cheapest car insurance policy. Here are some ways you can get your hands on the cheapest car insurance policies around:
Compare cars – Car insurance premiums are heavily associated with the kind of car you have, including factors like repair costs, safety record, and the likelihood of theft. As such, do consider different cars that are within your budget range and will address your needs so you can get the best quotes around. Keep in mind that best here is defined by the right kind of protection at the right premium rate.
Maintain good credit – Insurance carriers also check on your credit rating before giving you the best car insurance quotes around. This is because history has shown that there is a correlation between the likelihood of a claim being made and bad credit. It might have something to do with how responsible you are too.
If you’re not yet set on taking out a new New Orleans car insurance policy and you have a bad credit rating, use the time you have left to give your credit rating a nudge in the right direction. You can start off by making regular payments on your credit card debt. Just paying off the minimum amount required can do wonders for your credit rating.
Consider moving – Car insurance rates vary from place to place so rates offered for New Orleans auto insurance will not be the same one offered for New York. Do an instant car insurance comparison online to help you in drafting up a list of potential locations to move into.
You can start the comparing process by getting your very own instant New Orleans car insurance quote below. You can choose from multiple insurance companies from whom you’d like to get a quote or simply more information about their plans and policies.
Louisiana Department of Insurance: Consumers