Geico Insurance Agent Locations & Hours Near Lake Charles, LA -

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By: Leah F.
Scott Raley: Allstate Insurance
Scott is the most reliable, friendly and professional agent any customer could ask for. He is always extremely transparent with how the cost of coverage through his agency compares to his competitors and always works to get me as many discounts as possible to keep more money in my pocket. I am grateful to be able to call Scott when issues arise and know I'll have a patient advocate for my best interests on the other end.
By: Robert J.
Scott Raley: Allstate Insurance
We have been with Scott Raley Allstate Agency for 12 years. They have always provided exceptional service going above and beyond for our customer satisfaction. We are especially grateful for their patience with the many questions we throw at them. We are thankful for their availability to guide us through the process of finding the right insurance options for us.
By: Ross R.
Scott Raley: Allstate Insurance
Excellent customer service and the sort of professional expertise you expect from an agent who has been advising his clients on insurance for many years.
By: Ross R.
Raley Scott Insurance Agency
Scott Raley Insurance provides the excellent, professional insurance experience that all customers deserve.
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By: Sabrina C.
Kelly Lee Insurance
Good people and because they write for multiple companies they can find great rates. Give them a call.
By: Ellen R.
Scott Raley: Allstate Insurance
Always offering reviews of policies and answers all questions.Friendly staff and knowledgeable staff.
By: Celina L.
All-State Credit Plan
They are very nice and work with you any way they can I will use them again any time I need them.
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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