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Metairie Car Insurance

Metairie car insurance quotes depend on a number of different things. If you visit websites that offer car insurance quotes, you will likely be asked an array of questions about your driving. There are many factors that determine insurance rates in Metairie and other parts of Louisiana. For example, you are required to have a minimum amount of Louisiana liability insurance coverage for every car you drive. This is so that if you are found at fault for an accident, you will be able to pay for any damages to the other driver and their property.

Auto insurance quotes also depend on where you live. How many accidents occur every year in Metairie will affect how much you pay for your Metairie car insurance policy. Your zip code will probably be the first thing the websites ask you for. Then they might ask you what type of car you drive. The more expensive your car, the more it will cost to fix or replace it in case of a car accident in Metairie. You might be asked how frequently you drive your car and how far your commute to work is. The more you drive the higher chance you'll get into an accident. Your driving history is another important factor.

Insurance Basics

You'll need to know some basic terms if you want to make a educated decision about which company to choose for your Metairie car insurance. The first term is liability coverage. The law in Louisiana says that you need to have a certain amount for bodily injury that occurs during an accident, $15,000 for a single person and $30,000 for multiple people. If you decide not to purchase Metairie auto insurance, you could face serious consequences if you get into an accident, especially if that accident is your fault.

You'll also want to know the difference between a premium and deductible. The premium is how much you pay each month and the deductible is the up front cost you pay if you're in an accident. The deductible is what gets the Metairie car insurance policy to kick in and pay for the damages to your car and yourself if applicable. The more you pay on your deductible, the less you'll pay for your premium and vice versa. While it might seem better for you to pay less for your premium, you should only increase your deductible if you really believe you can avoid an accident.

Finding Discounts

You'll want to check online or contact your Metairie car insurance agent to find out what types of discounts are available to you. Vehicle insurance quotes shouldn't be the only factor that guides you to the right insurance company in Metairie, LA. You should also see which company is going to give you the most money in discounts. For example, an insurance company in Metairie, LA might provide you a low premium, but they might not be offering you any discounts. A different insurance company might have a medium range premium but offer a number of discounts to help you.

Discounts for Metairie car insurance can be based on a great number of factors. You can get a discount just for being retired or in the military. If you are a college student who doesn't drive at school, you might be able to get a discounted rate for when you drive your car on the weekends you're home or in the summer. You can also get a discount with certain companies for being a good driver or a good student. If you show your report card or have avoided an accident or ticket for a number of years, you can get a discount on the best car insurance for your situation.

Fender Benders

While most people hope they never have to use their Metairie car insurance policy. If you have a serious car accident, the last thing on your mind will be your Metairie automobile insurance agent. What if you have a fender bender? How should you proceed? The first step is to stay calm. While you or the other driver might be angry, it's best to have the only damage be what is already done to the vehicles. You should try to get your car and the other vehicle off the road as soon as possible so no one else hits you.

You should always call the police in case of a fender bender. They will require you to fill out a formal report about what happened from both drivers' perspectives. These reports will be given to your Metairie vehicle insurance agent, and they may help you if any legal matters arise having to do with the damages and how they are paid. Having pictures of the damage will also help your insurance agent in Metairie, Louisiana assess the damage and be able to help you receive reimbursement faster.

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