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Louisiana drivers pay an average of $942 per year for minimum coverage and $3,609 per year for full coverage (as of January 2024), significantly more than the national average of $740 per year for ...
Louisiana car insurance laws require minimum liability coverage with 15/30/25 policy limits. This means drivers must carry: This means drivers must carry: $15,000 in bodily injury liability per person
Although insurance carriers will not sell you a policy with less coverage than the state-mandated minimum coverage level, it may still be a good idea to review your state minimum coverage car ...
Collision coverage is optional, however if you plan on financing a car or taking a car loan, the lender will usually insist you carry collision for the finance term or until the car is paid off. Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW) is the term used by rental car companies for collision coverage.
For instance, if your car's value has dropped to $25,000 but you still owe $30,000 on your loan, gap insurance would cover that $5,000 difference if your car is totaled or stolen. Does my car ...
This means drivers have a stronger incentive to adopt safer practices. For example, if a commuter switches to public transport or to working at home, this immediately reduces the risk of rush hour accidents. With usage-based insurance, this reduction would be immediately reflected in the cost of car insurance for that month. [citation needed]
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