Louisiana has a history of odd automobile-related rules and regulations. If you operate a company in the state of Louisiana, you need to know about Louisiana auto insurance agencies and the minimum auto insurance in Louisiana.

If your company’s employees use automobiles for work purposes, make sure to let your insurance company know. Auto insurance prices in Louisiana may be higher if you designate a vehicle for business use, but if a wreck occurs while on company business and the Louisiana insurance agency that covers the vehicle did not know that the car was for business purposes, it might reject the claim.

When purchasing auto insurance in Louisiana, some thoughts to consider include:

1. Buying enough Louisiana car insurance coverage to meet your corporation’s needs.
2. Deciding whether to purchase automobile insurance in Louisiana online or to use a traditional office-based insurance provider.
3. Knowing how and where to compare insurance premium rates and find car insurance in Louisiana.

Action Steps
The best contacts and resources to help you get it done

Purchase enough Louisiana automobile insurance coverage for your corporation's needs

The minimum auto insurance in Louisiana is 10/20/10. In an accident, the most the car insurance company pays for bodily injury liability to other passengers is $10,000 per person up to $20,000 per accident. If property damage occurs, the limit is $10,000 per incident. Louisiana is a tort state, meaning someone must be at fault for an accident; that person (and his insurance company) is responsible for all damages. Most companies want at least 100/300/100 coverage plus comprehensive and collision insurance. Comprehensive insurance covers non-wreck incidents (stolen car, meteor hits car roof); collision insurance pays for damage to the policyholder's car in a wreck. You may also purchase an umbrella policy that covers any additional claims against the driver or company. These policies are often in increments of $1,000,000. Decide if your company will pay insurance costs for employees (usually in the form of commercial insurance) or if employees must find and pay for their own coverage.

I recommend: Chase and AutoInsure both have quick, free online umbrella insurance quotes.

Purchase auto insurance in Louisiana online or use traditional Louisiana car insurance companies

With websites vowing to deliver quotes from multiple auto insurance companies in Louisiana with one click, it is tempting to purchase insurance online. While it's certainly convenient, make sure you tend to your company's needs by doing so. If you purchase insurance online from an unfamiliar company and it fails, you and your employees are out of luck. Also, never underestimate the importance of good customer service. Will little-known insurance agencies pick up the phone speedily, answer your questions and take the time to clarify your policies? If you have a strong need for attentive personal customer service, a traditional, proven insurance provider-one that you can call or visit in person-may be your best choice.

I recommend: Liberty Mutual, Traveler’s, Farmer’s and Nationwide have been around a long time and are respected throughout the insurance industry for their longevity and customer service.

Know how and where to compare premium rates and find car insurance in Louisiana

On the Internet, it's easy to get auto insurance quotes in Louisiana at the click of a mouse. Many reliable companies offer auto insurance quotes from a number of providers when you fill out just one request. By inputting the particular insurance needs of your business, you can get a side-by-side comparison of the same insurance coverage from several different providers.

I recommend: eSurance, Insurance and Progressive are easy to use and gather quotes from several companies. You can purchase coverage and print insurance cards immediately at the end of your session. Although Progressive is a private insurer, it also offers competitor’s policies (which are sometimes cheaper).

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Network with others in your industry to find out what companies they use for auto insurance in Louisiana. The best recommendation for any company is through glowing word-of-mouth.