Auto Insurance Coverage

Find Out More About Your Auto Insurance Options

At the Louisiana Insurance Center, we've served the Baton Rouge community since 1980. Rain or shine, we're here for you, offering emergency contact availability by phone and email. As a small, local, and family-owned agency for 43 years, we're proud to provide personalized service. You'll get to know your agent and work with the same people each time. 

We're licensed in Louisiana. When it comes to helping our customers find the best auto insurance Baton Rouge, LA and surrounding areas have to offer, we go the extra mile. We work closely with several top-rated companies, including Safeco, Progressive, ASI, Foremost, UPC, MetLife, Maison, Blue Cross Blue Shield of Louisiana, Humana, United HealthCare, Principal Life, Protective Life, and LWCC. 

An auto insurance policy is made up of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.

Auto insurance provides property, liability, and medical coverage. Property coverage pays for damage to or theft of your car. Liability coverage pays for your legal responsibility to others for bodily injury or property damage. Medical coverage pays for treating injuries, rehabilitation, and sometimes lost wages and funeral expenses. 

Insurance coverage is all about protecting yourself financially. If you're in an accident or your car is stolen, it costs money to fix or replace it. Medical costs can be extremely expensive if you or any passengers are injured in an accident. By adding uninsured motorist coverage to your policy, you're covered in the event of a hit and run, your vehicle is stolen, or a person carrying no insurance hits you. If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth. Not only is having insurance a prudent financial decision, but many states require you to have at least some coverage. 

As your independent agent, we're here to find auto insurance that meets your needs. Here are a few things to consider:

• How much can you afford to pay if you get in an accident?
• What is the insurance company's level of service and ability to pay claims?
• What discounts are available? Ask about good drivers, multiple policies, and student discounts.
• What's the procedure for filing and settling a claim? Ask who to call and what happens after you file a claim. 

We work with multiple A-plus-rated carriers to provide the best coverage for your needs and budget. Please call our office to talk to an insurance agent or email your questions, and an insurance professional will reply promptly.

Hit the Open Roads With the Right Motorcycle Insurance

Riding your motorcycle on the open road is an exhilarating experience. Still, it's essential to ensure that you and your investment are protected. Whether you're involved in an accident, your bike is stolen, or your passengers are injured, the costs can be significant. That's where motorcycle insurance comes in.

When speaking with your independent agent, consider your budget and the costs you can afford if your motorcycle is damaged or stolen. Ask about discounts for safety classes, multiple policies, or being a member of a motorcycle association. Additionally, consider how much medical and liability coverage you'll need, and research the insurance company's reputation for customer service and claims processing.

For cost-conscious riders, maintaining a clean driving record and taking a training course can help reduce insurance premiums. Depending on where you live, a "lay-up" policy may also be an option to suspend coverage during winter months. Finally, be sure to ask about any available discounts for insuring multiple bikes, being a member of a motorcycle association, or being a mature rider.

Remember that the type and age of your motorcycle, the number of miles you drive, and where you store your bike may also affect your insurance premiums. By taking the time to research and ask the right questions, you can find coverage that meets your specific needs and protect your investment on the open road.

The Best Auto Insurance Baton Rouge, LA Has to Offer

Recreational vehicles are not just a mode of transportation; they offer a chance for fun and adventure. However, owning a recreational vehicle also comes with potential liabilities. It is crucial to secure liability insurance to help pay for any damage or injuries caused by the vehicle. In addition, property coverage is necessary to protect the vehicle's value.

Our insurance policies cover physical damage, theft, vandalism, and collision. We also offer reimbursement for personal effects stored on the vehicle. Our specialized coverage options include protection for custom equipment and awnings. If you live in your RV part or full-time, we have extended protection options available to meet your needs.

Don't let the excitement of owning a recreational vehicle distract you from the potential risks. Contact us today to secure the proper coverage and enjoy your adventures worry-free. We have some of the best auto insurance in Baton Rouge, LA.