{"id":3661,"date":"2022-02-02T14:22:23","date_gmt":"2022-02-02T22:22:23","guid":{"rendered":"http:\/\/local.usagencies.com\/blog\/?p=3661"},"modified":"2022-09-09T11:16:41","modified_gmt":"2022-09-09T18:16:41","slug":"car-insurance-mistakes","status":"publish","type":"post","link":"https:\/\/usagencies.confiedevstg.com\/blog\/auto-insurance\/car-insurance-mistakes\/","title":{"rendered":"4 Biggest Car Insurance Mistakes You Can Stop Making Today in Louisiana"},"content":{"rendered":"\n<p>If you are looking for <a href=\"http:\/\/local.usagencies.com\/car-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">cheap car insurance i<\/a>n Louisiana, there are some definite dos and don\u2019ts to this process. It is important to know your rights and responsibilities and work with an insurance advisor who can help you find the right policy for you.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Let\u2019s look at the four biggest mistakes you can stop making today on your car insurance. Avoiding these mistakes will help ensure that you get the car insurance you need at the best price \u2014 and that\u2019s the kind of peace of mind that we can all use.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-not-understanding-required-car-insurance-coverage-in-louisiana\">1. Not Understanding Required Car Insurance Coverage in Louisiana&nbsp;<\/h2>\n\n\n\n<p>It is important to educate yourself about the <a href=\"https:\/\/ldi.la.gov\/docs\/default-source\/documents\/publicaffairs\/consumerpublications\/auto-insurance-guide.pdf?sfvrsn=c0907c52_47\" target=\"_blank\" rel=\"noreferrer noopener\">required insurance coverage<\/a> for your car in Louisiana. All states require that you have liability coverage for your car. This covers damage to property (the other person\u2019s vehicle or other property) and bodily harm (medical bills related to injury or death or the other person) if you get into a car accident and it is your fault.&nbsp;<\/p>\n\n\n\n<p>For drivers in Louisiana, the following amounts of <a href=\"http:\/\/local.usagencies.com\/blog\/auto-accidents\/liability-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">liability insurance<\/a> are required:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>$15,000 for bodily injury or death of one person in an accident caused by the driver of the insured vehicle\u00a0<\/li><li>$30,000 for total bodily injury or death liability in an accident caused by the driver of the insured vehicle, and\u00a0<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>$25,000 for property damage per accident caused by the driver of the insured vehicle\u00a0<\/li><\/ul>\n\n\n\n<p>It\u2019s also a great idea to learn everything you can about <a href=\"http:\/\/local.usagencies.com\/blog\/car-safety-tips\/how-to-be-a-safer-driver\/\" target=\"_blank\" rel=\"noreferrer noopener\">how to be a safe driver<\/a>. By driving defensively, you may be able to avoid an accident in the first place.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. Not Comparing Rates for Cheap Car Insurance Before You Buy&nbsp;<\/h2>\n\n\n\n<p>The <a href=\"http:\/\/local.usagencies.com\/blog\/auto-insurance\/how-much-is-car-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">cost of car insurance<\/a> can vary dramatically depending upon what company you buy from and exactly what types and amounts of coverage you decide upon. Always compare rates from several different companies before you buy. The right car insurance advisor can do this for you, saving you both time and money.&nbsp;<\/p>\n\n\n\n<p>Some drivers are \u201cmore expensive\u201d to insure based on their demographics or past driving records. Your age, gender, where you live, what type of car you drive, and your driving record are all things that can impact the cost of car insurance. Comparison shopping can end up putting money back into your pocket where it belongs, especially if you are likely to require more expensive insurance (for example, you are a brand-new driver or you have some blemishes on your driving record).&nbsp;<\/p>\n\n\n\n<p>By the same token, read everything in a policy carefully before you sign and make sure you are working with a reputable insurance advisor. \u201cCheap car insurance\u201d should mean car insurance that covers all your individual insurance needs as a driver while being inexpensive.&nbsp;&nbsp;<\/p>\n\n\n\n<p>The wrong insurance coverage might be less expensive than some policies but might not be a good fit for what you need as a driver. For example, if you drive a car that is already paid for in full but know that you want your insurance to replace the car in the event of an accident, you will need collision insurance in addition to liability. Getting the proper type and amount of car insurance will feel \u201cjust right\u201d for both your bank balance and your peace of mind.&nbsp;<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"1000\" height=\"563\" src=\"http:\/\/local.usagencies.com\/blog\/wp-content\/uploads\/sites\/3\/2022\/02\/4-biggest-car-insurance-mistakes-you-can-stop-making-today-in-louisiana-2.jpg\" alt=\"couple reviewing auto insurance companies on laptop\" class=\"wp-image-3662\" srcset=\"https:\/\/usagencies.confiedevstg.com\/blog\/wp-content\/uploads\/sites\/3\/2022\/02\/4-biggest-car-insurance-mistakes-you-can-stop-making-today-in-louisiana-2.jpg 1000w, https:\/\/usagencies.confiedevstg.com\/blog\/wp-content\/uploads\/sites\/3\/2022\/02\/4-biggest-car-insurance-mistakes-you-can-stop-making-today-in-louisiana-2-300x169.jpg 300w, https:\/\/usagencies.confiedevstg.com\/blog\/wp-content\/uploads\/sites\/3\/2022\/02\/4-biggest-car-insurance-mistakes-you-can-stop-making-today-in-louisiana-2-768x432.jpg 768w, https:\/\/usagencies.confiedevstg.com\/blog\/wp-content\/uploads\/sites\/3\/2022\/02\/4-biggest-car-insurance-mistakes-you-can-stop-making-today-in-louisiana-2-800x450.jpg 800w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure><\/div>\n\n\n<h2 class=\"wp-block-heading\">3. Not Protecting Yourself from Uninsured Drivers in Louisiana&nbsp;<\/h2>\n\n\n\n<p>All states have some <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-uninsured-motorists\" target=\"_blank\" rel=\"noreferrer noopener\">uninsured drivers<\/a>, and Louisiana is no exception. If you drive without insurance, you leave yourself open to financial penalties if you get caught.&nbsp;<\/p>\n\n\n\n<p>If you choose to only purchase the state-required minimum car insurance, you won\u2019t have recourse for damages to your vehicle and any injuries if you don\u2019t carry uninsured motorist coverage, as well. Having proper car insurance will give you the peace of mind that if something like this happens, at least you can get back on the road.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4. Paying for Auto Insurance Coverage You Don\u2019t Need&nbsp;<\/h2>\n\n\n\n<p>The right insurance advisor will help you find cheap car insurance in Louisiana that will cover all of your needs, but not any more than that. There are many factors that determine the final bill for a car insurance policy, from dollar amount limits for death or bodily injury in an accident caused by a driver in the insured vehicle to dollar amount limits on property damage.&nbsp;<\/p>\n\n\n\n<p>In addition to liability insurance (which is required by Louisiana state law up to certain dollar amounts), many people choose to carry collision and comprehensive insurance on their cars. Collision insurance covers damage done to your car in case you get into an accident that is your fault. Comprehensive pays for damage to your ride that happens outside of an accident \u2013 like a tree falls on your car.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Find Cheap Car Insurance in Louisiana Today&nbsp;<\/h2>\n\n\n\n<p>If you are ready to make the right decisions about your car insurance, call USAgencies at <a href=\"tel:800-420-3712\" target=\"_blank\" rel=\"noreferrer noopener\">800-420-3712<\/a>, <a href=\"http:\/\/local.usagencies.com\/locations\" target=\"_blank\" rel=\"noreferrer noopener\">visit one of our locations<\/a>, or <a href=\"http:\/\/local.usagencies.com\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">contact us online<\/a> to learn more about how we can help you get the cheap car insurance you need as a driver in Louisiana!&nbsp;<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-vivid-red-background-color has-text-color has-background\" href=\"http:\/\/local.usagencies.com\/car-insurance\/\" target=\"_blank\" rel=\"noopener\">Get a Quote<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-2 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-vivid-red-background-color has-text-color has-background\" href=\"tel:800-420-3712\">Call Us<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-vivid-red-background-color has-text-color has-background\" href=\"http:\/\/local.usagencies.com\/locations\" target=\"_blank\" rel=\"noopener\">Find Your Office<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you are looking for cheap car insurance in Louisiana, there are some definite dos and don\u2019ts to this process. It is important to know your rights and responsibilities and work with an insurance advisor who can help you find the right policy for you.&nbsp;&nbsp; Let\u2019s look at the four biggest mistakes you can stop [&hellip;]<\/p>\n","protected":false},"author":20,"featured_media":3663,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[14,27,46],"tags":[],"class_list":["post-3661","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto-insurance","category-louisiana-auto-insurance","category-louisiana-car-insurance"],"acf":[],"_links":{"self":[{"href":"https:\/\/usagencies.confiedevstg.com\/blog\/wp-json\/wp\/v2\/posts\/3661"}],"collection":[{"href":"https:\/\/usagencies.confiedevstg.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/usagencies.confiedevstg.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/usagencies.confiedevstg.com\/blog\/wp-json\/wp\/v2\/users\/20"}],"replies":[{"embeddable":true,"href":"https:\/\/usagencies.confiedevstg.com\/blog\/wp-json\/wp\/v2\/comments?post=3661"}],"version-history":[{"count":3,"href":"https:\/\/usagencies.confiedevstg.com\/blog\/wp-json\/wp\/v2\/posts\/3661\/revisions"}],"predecessor-version":[{"id":3795,"href":"https:\/\/usagencies.confiedevstg.com\/blog\/wp-json\/wp\/v2\/posts\/3661\/revisions\/3795"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/usagencies.confiedevstg.com\/blog\/wp-json\/wp\/v2\/media\/3663"}],"wp:attachment":[{"href":"https:\/\/usagencies.confiedevstg.com\/blog\/wp-json\/wp\/v2\/media?parent=3661"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/usagencies.confiedevstg.com\/blog\/wp-json\/wp\/v2\/categories?post=3661"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/usagencies.confiedevstg.com\/blog\/wp-json\/wp\/v2\/tags?post=3661"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}