New Iberia Car Insurance

Your Complete Guide to New Iberia, LA, Car Insurance

(If you're searching for a local independent agent)

New Iberia, LA, is famous for its creative and unique culture with a local cuisine that makes this creole town iconic.

If you drive the deeply historic streets of 29,620 resident city, you'll need car coverage. An independent insurance agent can help get a policy to suit your needs. Connect with a local adviser today to get started. 

Auto Insurance Options in New Iberia, LA

Optional car coverages are not required, but often necessary. Your auto insurance policy will not automatically include the below coverages, which means you'll need your agent to add them. Let's take a look at the various coverage options in New Iberia, LA:

  • Tow coverage: This will pay for the tow of a covered auto. 
  • Rental car coverage: This will provide reimbursement for a rental vehicle when your covered auto is damaged. 
  • Gap coverage: This will pay for the difference between your auto loan and your car's market value.
  • Comprehensive coverage: This will pay for property damage to your vehicle that is hit by an unavoidable object.
  • Collision coverage: This pays for property damage to your vehicle in the event of a crash.
  • Medical payments coverage: This will pay for smaller medical expenses when you're at fault.

Like life insurance, optional coverage is not mandatory but should be seriously considered. If you want insurance for your vehicles and other property items, speak with your independent agent today.

Do You Need Uninsured Motorist Insurance in New Iberia, LA?

Uninsured/underinsured motorist or UM/UIM insurance will pay for a loss when the other driver is at fault and without insurance. To have adequate protection, you'll want to look at UM/UIM coverage. 

The percentage of uninsured drivers:

  • National average: 13%
  • Louisiana average: 13%

Louisiana is tied with the national average on uninsured drivers. This means there are more drivers without coverage in New Iberia than you may have thought. Whether you drive an SUV or an ATV, you'll want adequate protection. Connect with an independent agent in New Iberia for UM/UIM options.

Car Insurance Requirements in New Iberia, LA

To drive in New Iberia, LA, you'll need auto coverage. Similar to workers' compensation, car insurance is mandated. Your insurance limits are usually minimal but required to drive. Let's take a peek at what New Iberia, LA, requires:

  •  minimum liability of $15,000 per person/$30,000 per accident/ $25,000 property damage.  

With the cost of a vehicle being over $36,000, you may want more coverage than minimum limits. When you increase your primary auto policy's liability, you'll qualify for umbrella insurance. 

An umbrella policy will give an additional $1,000,000 in liability when you have a more substantial loss. Discuss your coverage limits with a New Iberia independent agent. 

Theft Rates in New Iberia, LA, and Your Car Insurance

Comprehensive insurance will help pay for any stolen items when you're a victim of a car break-in. Local theft can have an impact on your car premiums as well. Let's take a look at the theft rates:

  • National average: 228.9
  • Louisiana average: 247.6

If you're looking to save money on car insurance, consider bundling. When you bundle your auto and home policies, carriers will give a 30% or more discount. Speak with a New Iberia independent agent on other cost-saving techniques.

How Much Does New Iberia, LA, Car Insurance Cost?

To keep your car insurance cost low, you'll want to control the areas you can. Carriers use numerous rating factors when determining your prices. The criteria the companies use to determine premiums are:

  • Crime rates 
  • Catastrophic events
  • Severe weather
  • Your claims history
  • Your credit score
  • Policy discounts that may apply 
  • The coverages you choose 
  • Your motor vehicle records (MVR)

When you're trying to save on insurance without sacrificing coverage, contact your agent. They can help evaluate your specific factors, so you get the best policy for a fair price. Connect with a New Iberia independent agent for quotes.

Will Your New Iberia, LA, Policy Cover Rideshare Services?

Whether you're a college student wanting some extra cash or have a full-time business, you may not have protection. Companies like Uber will require you to use your vehicle to transport people for a fee. Since it is a personal policy, it excludes business operations. 

Your agent will recommend commercial vehicle insurance to have adequate coverage. Your rideshare services are considered a business and need a different policy. Contact an independent agent on your commercial insurance. 

Find a New Iberia, LA, Independent Insurance Agent Today

If you want the best car coverage, an independent insurance agent can help. They work with multiple carriers, giving you options on policy and pricing. 

To find a local adviser, go to TrustedChoice.com You can use the find-an-agent tool to connect with an expert in seconds. 

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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