Cheap Car Insurance in Baton Rouge, Louisiana with Reviews -

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By: Rachelle N.
McInnis Insurance Services Inc
We have been with McInnis Tyner for a couple of years now and we absolutely love them. Not only do you get the best rates in town, the service is outstanding! Back when FEMA changed its rates and caused our flood insurance to skyrocket, they helped us figure out how on earth we would keep our monthly payments to a liveable amount. They by far are the best agency in the area! Thank you Jaime Malone for all your help. ❤
By: Shelly L.
Progressive Insurance
I gave only three stars because although getting the quote and setting it up online was easy. I didn't like that about two weeks later I got a letter saying now that they ran my info it will actually be higher. I had to do the direct withdraw from my bank account on a regular basis and that's annoying as well. Maybe try talking to them on the phone to ensure the pricing quoted is accurate.
By: coolbrees
Louisiana Gulf Ins Inc
Great agency! We received top notch service from Lyle and the other associates, not to mention a great insurance policy! He gave us options and let us decide what was best for us, instead of forcing something on us that we really didnt need. That was a major difference from the other companies we've dealt with. Great experience!
By: Donald P.
American National Insurance Donald J Plaisance
Reliable, friendly and trustworthy. I've been with Don for over 30 years. I have my home, cars, boats, RV, Life and business with him. No better place to be!
By: truthdistribution
Louisiana Gulf Ins Inc
LA Gulf will go out of their way to help. They've insured every person in my family and they treat you like family. Wish their were more like em
By: goodolegreg
Louisiana Gulf Ins Inc
Awesome people! Friendly, family atmosphere!
Tips & Advices
By law, you need to be insured up to the minimum amount required in your state before getting behind the wheel of any car. Beyond that, your insurance needs will vary depending on your financial situation and the amount of risk you are willing to take on.
  • Full or comprehensive car insurance is the most expensive, but often the best deal for drivers who own an expensive car, those who commute frequently or anyone who lives in an area with extreme weather or high crime rates.
  • Drivers of less expensive or older cars usually save more by opting for the minimum required policy, along with some extra coverage if they can afford it. Since the cost of repairs might exceed the total value of an older vehicle, some owners forgo collision protection in favor of greater liability coverage or personal injury coverage.
If someone other than you causes an accident while driving your car, most insurance policies will still pay for damage, according to the rules that apply. However, it’s a good idea to check with the insurance provider to be sure this is the case. Regardless, either the at-fault driver or the actual policyholder will be responsible for paying for anything not covered by insurance. People who don’t own a car but frequently borrow or rent one might consider purchasing a non-owner policy to make up the difference.
Car insurance premiums might be tax deductible in certain situations, but only with the documentation to prove it. Insurance costs may be deducted as part of overall business expenses if you use that car for work-related travel. However, this does not generally apply to taxpayers who use the standard deduction when filing their income tax returns. If your car is used for business purposes often, save all insurance-related documentation, as well as receipts, invoices and other forms of proof that your vehicle expenses were for business purposes.
Car insurers set premium prices depending on every driver’s individual risk. A huge number of details are factored into every determination of insurance risk, so the cost of any two policies can vary widely depending on the driver’s personal attributes, accident history, location, vehicle type and much more. The type of coverage you choose also impacts what you pay - premiums for minimal liability coverage will almost always be lower than those of a universal coverage policy.
The cost of car insurance is highly variable, but according to the National Association of Insurance Commissioners, U.S. motorists pay around $900 per year on auto insurance.

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