Trailers are a useful addition to a car or truck when you need to haul a large or heavy load. Whether you live in a Louisiana city or a rural part of the parish, trailers are everywhere. A blues musician might use a trailer to carry his sound equipment, and a farmer may need multiple trailers to transport his livestock and horses back and forth between farms. Although a trailer is not a motorized vehicle, it needs to be registered and covered by insurance, either through an auto policy, or with a separate Louisiana trailer policy. This protects the trailer and its cargo.
Louisiana requires registration for every trailer which travels on public highways. The type of registration depends on the type of trailer you have. The categories are listed below:
To find the right coverage, you must consider the type of trailer you have and what it’s used for. In Louisiana, it’s not a legal requirement that you purchase trailer insurance. Usually your trailer is covered, to some extent, by the auto insurance on the vehicle that tows the trailer, but this coverage is very limited. Often the contents of your trailer, repairs to your trailer, and any extra liability you incur because of an accident or runaway trailer, is not covered by your auto policy. However, a good trailer insurance policy will cover all of these concerns and more, for a low cost.
When you decide to purchase a trailer policy, you will need to answer the following questions:
These questions will help to determine what kind of coverage you need, and how much your trailer policy costs.
Your policy could consist of the following coverage options:
Your insurance needs are unique, and a Trusted Choice® member agent can develop a customized policy for you. A local agent can compare Louisiana trailer insurance quotes, to find something that fits within your budget and provides the right protection. Contact an independent agent for a personalized Louisiana trailer insurance plan.