Located at the junction of Interstate 49 and US Route 190 is Opelousas, Louisiana. If you’re one of the 16,634 residents that live here, having a reliable car insurance policy is a smart investment.
In order to navigate all the options to find the best policy for you, talk to an independent insurance agent. They’ll get you multiple quotes so that you can compare to find the best policy for your needs at a price you can afford.
How Much Will Car Insurance Cost in Opelousas, LA?
Your exact rate is will depend on specific factors about you. Each insurance carrier has its own calculations that they use to find your quote. They may look into things such as:
- Your age and gender
- Where you park your car
- Claims history and credit score
- Driving experience and record
- Vehicle type and use of the vehicle
On average, Louisiana is ranked as the 2nd most expensive state to purchase car insurance. With an independent insurance agent, it will be easy to find affordable coverage. They work with multiple carriers and will comparison shop for you. They’ll even help you find car insurance discounts that you may already qualify for. Enlist an agent to get started.
Required Car Insurance in Opelousas, LA
State law requires that every driver on the roads in Louisiana must have minimal insurance coverage. This includes:
- Bodily injury liability: The state requires a minimum of $15,000 per person and $30,000 per accident.
- Property damage liability: You must have $25,000 in protection against damage to any property in an accident.
The liability coverage will help pay costs for third-party injuries like medical bills or vehicle damage. Your policy will have a limit and once that’s reached, you’ll be responsible for the rest of the bill. Consider purchasing additional liability coverage or an umbrella policy to help extend your financial help.
Uninsured Drivers in Opelousas, LA
Even though state law requires insurance on every driver, there are still quite a few who don’t carry it.
- National percentage of uninsured drivers: 13%
- Louisiana percentage of uninsured drivers: 13%
The whole state of Louisiana has the same percentage rate as the entire nation. Uninsured motorist coverage pays out quickly if you are in an accident with a driver who is not carrying insurance. It helps to avoid hassles with lawyers and medical bills. Uninsured motorist coverage is worth considering in Opelousas.
Vehicle Theft Rate in Opelousas, LA
The rate of auto theft in Louisiana tends to be a bit higher than the national average.
(rate per 100,000 people)
- National theft rate (per 100,000 vehicles): 228.9
- Louisiana theft rate (per 100,000 vehicles): 247.6
If your car does get broken into, the only way you’ll be reimbursed is with a comprehensive car insurance policy. This coverage will help you regain belongings that were stolen, and help fix things that were damaged in your car because of the break-in. An independent agent can help you find a policy to make sure that you're financially protected.
There are always steps that you can take to lower your chance of vehicle theft. Parking in well-lit areas, always locking your doors, and installing anti-theft alarms in your car will help keep thieves away.
Find an Affordable Car Insurance Policy in Opelousas, LA
With so many options, finding the best car insurance for your needs can be daunting. Make an appointment with your independent insurance agent today to understand the options for your vehicle and lifestyle so that you can get the quote that fits your needs and budget the best.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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