Cheap Louisiana Auto Insurance Quotes
Louisiana auto insurance is the 7th most expensive in the US, despite the fact that this state requires drivers to purchase one of lowest amounts of liability insurance: 15/30/25. Louisiana has an average cost of living for the US, so automobile insurance often turns out rather expensive here. The good point is that there is a way to stay within a budget and possibly obtain a bargain auto insurance plan, which we will discuss below.
The way to stay within your budget is to compare cheap auto insurance quotes from a substantial number of car insurance companies. Most people can name several large brands that sell car insurance in Louisiana, 
such as Progressive, Hartford, Allstate, GEICO, and State Farm. However, many people may not have even heard about other sound car insurance companies that operate in LA, including Amica, Assurance America, Encompass, Cornerstone, Safeway, and many others. At the same time, the lesser known top carriers are often able to offer more affordable rates.
The same company can be offering lower rates based on the following: the city within Louisiana, type of coverage, and a driver’s characteristics. For example, a given company may be more affordable in New Orleans and at the same time be more expensive in Baton Rouge. The same stands true for all other cities in LA, including Alexandria, Chalmette, Hammond, Lafayette, Lake Charles, Monroe, Shreveport, Slidell, and others.
A company can also be more or less affordable for a given coverage type. For example, Assurance America tends to offer cheap auto insurance in Louisiana (low-cost physical damage coverage (comprehensive and collision)), while its liability coverage cost is usually higher than some other carriers. Hanover tends to offer lower-cost liability coverage, while its physical damage coverage cost is typically higher than some other carriers. Encompass tends to offer the lowest-cost combos of liability and physical damage coverage.
The same stands true for a driver’s characteristics. A given automobile insurance carrier may offer lower or higher rates based on the following factors: gender, marital status, age, driving record, annual mileage, years licensed, credit score, student/non-student, homeowner/non-homeowner, type of car, and car use (driving to work or pleasure use).
In general, the rates are higher for: younger people, males, less experienced drivers, those with at-fault accidents, driving violations, poor credit, higher mileage, and less safe or less secure cars. However, each automobile insurance carrier weighs each of these factors differently. Furthermore, some give discounts to homeowners, married people, students with 3-3.5 GPAs, those that pay their premium in full, multi-policy buyers, and others.
To sum up: companies base their cheap auto insurance quotes on many different factors and weight these factors differently. A company can be more affordable in some areas, for some drivers, and for some types of coverage. Requesting individualized quotes from multiple companies that operate in Louisiana is the surest way to save and stay within your budget.
Last but not least, do make sure that the company that is offering you a fair rate is also financially sound and has a satisfactory history of quality service. Check the Louisiana Department of Insurance to verify your questions about companies operating in the state. This is also essential, as you want your carrier to cover your claim with no hitch after an accident or incident.
