Factors Affecting Your Car Insurance Rates

Getting a car involves a lot more than just choosing the best ride for your needs. For one, you’ll have to consider having it insured, and while there are a lot of possible insurance providers out there, there are certain common factors that, whomever you may choose to do business with, could nevertheless affect the rate that could be offered to yo...

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Comparing Louisiana Car Insurance Rates Help Owners Get the Best Deals

"Though expensive, insurance is useful especially for people living in areas that are accident prone. The Consumer Federation of America notes, however, that one comparative tool for prices is not enough. People should be given access to more useful information for them to arrive at an informed decision before committing to a particular insurance company or policy. Reliable Alexandria, LA auto insurance companies, such as Harlan Insurance Agency, LLC, for example, help car owners compare rates and prices of auto policies in the Bayou state. To effectively compare Louisiana car insurance rates, potential clients must examine the policies being...

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Getting the Auto Insurance That’s Best for You

Insurance is an important part of ensuring safety. There are a few types of insurance that everyone should have to protect themselves from the dangers of modern life: home, life, and auto insurance. All insurance types are equally important. However, for Louisiana, which suffers from bad roads and roadside mishaps, auto insurance may as well take top priority. Here’s how to choose the right car insurance for you. Estimate Your Coverage Knowing how much protection you will need is important. Thankfully, states specify a minimum insurance ratio; Louisiana, for example, specifies a 15/30/25 coverage. This means that a Louisiana resident must have no less than $15,000 injury liability for one person, $30,000 coverage per accident, and $25,000 liability for property damage. It’s your decision...

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A Futuristic Outlook For Claiming Auto Insurance in Alexandria, LA

"As it stands, however, this scenario of having self-driving cars seem to be still far beyond the horizon. Therefore, car accidents would have to be dealt with the old-fashioned way, and Louisiana auto insurance would have to be processed in the same manner it has always been processed throughout modern-day history. Then again, it really shouldn’t be all that bad. After all, there are many good insurance companies out there who do prioritize the concerns of their clients, such as the Harlan Insurance Agency. They understand that getting into a car accident is trouble enough, so why should they add some more things to worry about for you?"http://www.harlaninsurance.com/industry-news/a-futuristic-outlook-for-claiming-auto-insurance-in-alexandria-...

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Basic Principles of Car Insurance

While it might look so from the first-time driver and car owner’s perspective, having your own set of wheels isn’t all fun and games. In fact, it entails a whole lot of responsibility that you never had to manage before. For one, you will need to get insurance for your car; your bank and the law will require you get one. You need the coverage, too, in case you get into an accident. Here are some important facts about auto insurance:  High risk, high premium  Insurance providers weigh how much their clients can get and have to pay based on the extent of driving risk their daily lives entail. For one, an ordinary adult cruising the urban streets to and from work will have to pay less premium than one driving a Porsche with a bad driving record. Also, young drivers tend to have higher...

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Determining the Right Alexandria, LA Auto Insurance Coverage for You

Louisiana laws only require liability coverage, with an insurance limit of 15/30/25. All other types of coverage are optional, so if you want to save on Louisiana car insurance premium costs, check your driving habits and determine if the required liability coverage would be sufficient for you.If you have a good driving record and regularly drive only to nearby places, you can probably be adequately covered by the minimum requirement. If you are not a particularly cautious driver, however, or if you regularly drive through congested roads and/or long distances, you may need a higher coverage. http://www.harlaninsurance.com/info-article/determining-the-right-alexandria-la-auto-insurance-coverage-for-y...

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Insurance Commission: Auto Insurance in Louisiana to Undergo Changes

Donelon is also looking to expand the “no pay, no play” rule under the Omnibus Premium Reduction Act of 1997. This was the state’s initial attempt at curbing the steep cost of car insurance premiums, where an uninsured person in an accident cannot pursue damage claims. In addition, a person without Alexandria, LA auto insurance cannot take legal action.However, Louisiana’s version of the “no pay, no play” rule is different. The uninsured has to shoulder the first $10,000 in accident expenses. Donelon wants the threshold up at $15,000. http://www.harlaninsurance.com/industry-news/insurance-commission-auto-insurance-in-louisiana-to-undergo-chang...

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