Louisiana drivers must carry minimum amounts of auto liability insurance. If you finance or lease a vehicle, your lienholder also requires you to purchase full coverage car insurance. Many Louisiana drivers tailor their auto insurance coverage to include optional policies and endorsements that may provide additional financial protection.  

The auto insurance experts at Esplanade Insurance Agency can help you get auto insurance that meets state requirements while satisfying your lender’s rules.  

What Is Car Insurance? 
Car insurance can provide valuable financial support if an accident or events beyond your control damage your car. Without this coverage, you could be legally responsible for third-party injuries and property damage after an at-fault accident.  

What Does Car Insurance Cover? 
Louisiana drivers must purchase auto liability insurance. This policy may help pay third-party claims of bodily injury and property damage up to the policy’s limits if you cause an accident while driving.  

Your agent may recommend that you purchase additional coverage, including: 

• Medical payments (MedPay)—This coverage may help pay medical and funeral expenses for you, your family members and your passengers after an accident, regardless of who is at fault. 
• Collision and comprehensive coverage—This policy may help pay to repair or replace the covered vehicle if it’s damaged in an accident with another vehicle. It may also cover damage due to hitting an animal on the road, vandalism, theft, fire or severe weather. Your lienholder requires this coverage.
• Guaranteed asset protection (GAP) insurance—This coverage may help pay the difference between your insurer’s settlement and the total amount due to pay off your loan or lease if your vehicle is a total loss after a covered accident. 
• Uninsured/underinsured motorist coverage—This coverage may help pay for your damages if you are in an accident with an uninsured or underinsured at-fault driver.  

How Does Car Insurance Work? 
Your auto insurance policy represents an agreement between the insured person and the insurance company. The insurer agrees to pay for covered losses up to the policy’s limits in exchange for regular premium payments.  

Car insurance is highly customizable, so it’s crucial to work closely with your agent to get the most appropriate coverage at the best rate.  

How to Get Auto Insurance In Louisiana 
Contact Esplanade Insurance Agency in Metairie, Louisiana, today to start building your customized auto insurance plan and get personalized car insurance quotes.