Best Local Car Insurance Agencies in Shreveport

Frequently Asked Questions

• Introduction

  A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.
  

• Can your job be a factor in higher car insurance rates in Shreveport?

  Yes, people in certain professions in Shreveport pay more for car insurance because they are statistically more likely to be involved in an accident. DUI, drowsy driving, and other traffic violations, for example, are more likely to occur in jobs involving high levels of stress, unpredictable schedules, frequent work travel, or increased social drinking.

• Does car insurance coverage in Shreveport extend to a friend who borrows your automobile?

  The permissive use policy in your Shreveport car insurance policy extends coverage to unlisted drivers, such as your friends. However, keep in mind that this coverage only applies if you have explicitly or implicitly granted your friend permission to operate your vehicle, regardless of whether you are present in the car with them.

• Can you get car insurance even if you do not own a vehicle in Shreveport?

  Certainly. Non-owner car insurance in Shreveport is a specialized individual policy available to drivers who frequently drive vehicles they do not own, such as rentals or borrowed vehicles. This coverage is also available to drivers in between vehicles and those seeking to re-establish their driving privileges. The policy includes liability coverage comparable to standard auto insurance policies, but it does not include comprehensive or collision coverage.

• Is it possible to still be compensated in Shreveport even if you have no car insurance?

  If you do not have the required minimum insurance coverage and are involved in an accident, you will not be compensated under the No Pay, No Play law, even if the accident was not your fault. In addition, even if the other driver is technically at fault in the accident, the law requires you to pay the first $15,000 in bodily injury liability and the first $25,000 in property damage as an uninsured driver.

• What defines full coverage auto insurance in Shreveport?

  Full coverage car insurance in Shreveport covers you for more than the minimum state liability requirements, as well as comprehensive and collision coverage. However, it does not cover all expenses for all vehicle-related incidents. Depending on your needs, you may want to purchase supplemental policies such as uninsured or underinsured motorist insurance coverage, personal injury protection, rental reimbursement, roadside assistance, and gap coverage.

• What is car insurance?

  Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.