With its small-town charm and big-city amenities, Pineville is home to 14,429 residents. Whether you're driving to explore the outdoors, to enjoy the cuisine, or to appreciate the history, a reliable car insurance policy is a smart purchase.
Let an independent insurance agent help you through the process. They’ll find the right coverage that fits your budget because they’re not tied down to one insurer. Get matched with an agent today to help you find your auto insurance policy.
How Much Does Car Insurance Cost in Pineville, LA?
The average yearly car insurance rate in Louisiana is $2,225, but that doesn’t equate to what you’ll pay. Your car insurance rate will depend on specific factors about you. Some components insurers may look at are:
- Your age and gender
- Your driving history
- Your credit score
- Location and where you park your car
- Crime rate in your neighborhood
Whether you're new to driving or have quite a history, an independent insurance agent can help you find an affordable policy. You’ll tell them what you're looking for, and they’ll comparison shop for you to get a competitive price.
How to Save Money on your Pineville, LA Car Insurance
Many drivers don’t realize that insurance companies offer car insurance discounts. An independent agent knows all about them and can help you find discounts you qualify for.
Possible car insurance discounts:
- Accident-free: Drivers with no accidents in the last five years
- Homeowner: If you own a single-family home or condominium
- Multi-car: If you insure more than one car on an auto insurance policy
- Anti-theft: If your car has alarms or tracking systems already included, or if you install them in your car.
Let an independent agent help find possible savings for you.
What Are Your Car Insurance Requirements in Pineville, LA?
All drivers are required to have liability coverage. This will pay for damage or injuries (up to your limit) that you caused in a car accident.
Minimum required liability coverage:
- Bodily injury: $15,000 per person and $30,000 per accident
- Property damage: $25,000 per accident
You can always decide to purchase higher coverage limits so you’ll have greater protection. An independent agent can help you calculate how much coverage you need.
Optional Coverages You Can Add on to Your Pineville, LA Coverage
You have many additional types of coverage that will go above and beyond your liability insurance.
- Collision coverage: Pays for accident-related repairs to your vehicle
- Roadside assistance: Pays for towing and some repair costs
- Personal injury protection: Helps pay for injuries and damage that you have because of an accident you’re at-fault for.
Each insurance company offers different variations of additional coverages. An independent agent can help you decipher which ones are the most beneficial for you.
What Happens If You Get into an Accident with an Uninsured Driver?
If an uninsured driver is at-fault for a collision with you, they are still responsible for paying you, it just may take a lot longer than an insured driver. It’s a good idea to purchase uninsured motorist coverage. This will help to make sure that you recover quickly and easily from the accident.
- National percentage of uninsured drivers: 13%
- Louisiana percentage of uninsured drivers: 13%
The state of Louisiana has the same percentage of drivers that are uninsured as the national average. That’s a lot of poor-judgment drivers in the state and can put you at high risk. Let uninsured motorist coverage put you at ease with financial protection.
Will Your Pineville, LA Car Insurance Protect You against Vehicle Theft?
Your car insurance will protect you against any damage to your vehicle and belongings that were stolen.
Average auto theft rate per 100,000 vehicles:
- National: 228.9
- Louisiana: 247.6
- Pineville: 242.8
Even with a lower vehicle theft rate in Pineville, it’s a good idea to be protected in case it happens. Talk with an independent agent about how you’ll be protected when your car is broken into.
Why Use a Pineville, LA Independent Insurance Agent?
An independent insurance agent is there to make this process easy. They’re not tied down to one insurance carrier, so they’ll comparison shop for you and find a competitive price with the coverage you want. Connect with an agent to get started on your reliable car insurance.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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