Understanding your car insurance doesn't have to be complicated. Here's everything you need to know to make sure you're actually protected — not just technically insured.
Louisiana consistently ranks as one of the most expensive states for auto insurance in the country. High litigation rates, severe weather, and dense traffic corridors around Shreveport and Bossier City all contribute to elevated premiums. Understanding what you're paying for — and why — helps you make smarter coverage decisions.
Texas has its own set of risks, including hailstorms, flooding, and high-traffic metro areas. If you drive across state lines regularly, having an agent licensed in both states (like Harbor Point) means your coverage travels with you.
Louisiana state law requires every driver to carry at least the following liability coverage:
Harbor Point's take: These minimums are dangerously low. A single serious accident can easily exceed $15,000 in medical bills. We strongly recommend at least 100/300/100 limits for most drivers.
Pays for injuries and property damage you cause to others in an accident. This is the coverage the state requires. It does not pay for your own vehicle or medical bills.
Pays to repair or replace your vehicle after a collision, regardless of who's at fault. If you have a car loan or lease, your lender will require this.
Covers non-collision damage — theft, vandalism, hail, flooding, hitting a deer, and more. In Louisiana, where hailstorms and flooding are real risks, this matters.
Louisiana has one of the highest rates of uninsured drivers in the country — estimated at over 13%. UM/UIM coverage protects you if you're hit by someone who has no insurance or not enough to cover your damages.
Pays medical expenses for you and your passengers regardless of fault. A cost-effective add-on that can cover emergency room visits and follow-up care.
Often overlooked but inexpensive add-ons. If your car is in the shop after a covered claim, rental reimbursement keeps you moving. Roadside assistance covers towing, flat tires, and dead batteries.
| Coverage Type | Liability Only | Full Coverage |
|---|---|---|
| Damage to others | ✓ | ✓ |
| Your vehicle (collision) | ✗ | ✓ |
| Weather/theft damage | ✗ | ✓ |
| Required by lender | Usually no | Yes |
| Best for | Older paid-off vehicles | Newer or financed vehicles |
Independent agent advantage: Harbor Point isn't tied to one company. We compare rates across multiple carriers to find the coverage that fits your budget — something a captive agent (like a State Farm or Allstate exclusive agent) can't do.
Harbor Point Insurance shops multiple carriers to find you the best rate. Get a free quote in minutes — no pressure, no runaround.
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