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Louisiana Car Insurance Quotes
As Louisiana recovers from the devastating effects of hurricane Katrina, more people are finding themselves considering a move to the state. The inviting atmosphere and growth potential during the rebuilding calls many to Louisiana, especially New Orleans. If you are moving to the Pelican State, read the following information to ensure you settled in with you new drivers license and car registration without problems.
- Secondary form of identification
- Current, valid out-of-state driver’s license or official copy of your driving record
- Social Security Card
- Proof of insurance if you own a car Acceptable Forms of ID Acceptable primary identification forms include birth certificates or certified copies, birth registration cards or certificates that include a raised agency seal, passports, certificates of naturalization, Native American tribal documents, and refugee travel documents, permits to re-enter the US, or work authorization papers issued by Homeland Security. Secondary identification can be your out-of-state driver’s license or photo ID, social security card, Louisiana college ID, original adoption papers, along with many other forms of ID. You can see the full list at the Office of Motor Vehicles Website: http://dpsweb.dps.louisiana.gov. Louisiana makes it easy to transfer your out-of-state license. Most states require a written test, but Louisiana only requires a vision test if your license is current. The Office will issue a Louisiana drivers equivalent to the one from your prior state (Class E). The fee for transferring your license is about $40 and must be paid in cash. Louisiana Insurance Louisiana requires that you carry certain minimum amounts of insurance on your car. If you cancel your car insurance, you will have 10 days to turn in your plate or file a Statement of Non-use with the Office of Motor Vehicles or you will be fined. You can get an idea about how much your insurance will cost by putting your expected new zip code in the box at the top of this page. We recommend you get at least three quotes to ensure you are getting to best deal on your Louisiana car insurance. The minimum liability insurance allowed under Louisiana’s Financial Responsibility law is 15,000 per person, $30,000 per accident and $25,000 for property damage. You must be able to show proof that you have met Financial Responsibility requirements in certain circumstances: - When a law enforcement officer requests it
- When you register or renew a vehicle registration
- When you obtain or renew your driver’s license
Financial Responsibility laws in Louisiana also require insurance companies to report insurance activities like policy issuance, procurement, recall, reinstatement, termination, cancellation and binder status changes to the Department of Public Safety and Corrections, Office of Motor Vehicles. If you fail to turn in your plates or submit a Statement of Non-use within ten days of cancelled insurance, your car may be impounded. To get insurance on the car again, fees are charged on a scale based on the length of the lapse, ranging from $50 to $225. Registering Your Car If you will be using your car on Louisiana highways, you must register it in the state within 30 days. You’ll be charged a road use tax, based on the current NADA loan value of your car, at the time of registration. The rate of tax is different from parish to parish. If you have a newer model car that is not yet listed in NADA, the car value is based on list price minus 15 percent. Check with the Office of Motor Vehicles to find out if your previous state has a reciprocal agreement with Louisiana. You may get a credit (up to 4%) for tax you have already paid on the car in your state of origin. In some cases, you will need proof of the payments you made. When transferring your registration to Louisiana, you’ll need a few things: - Form DPSMV1799 Vehicle Application, completed and signed by the car’s owner
- Your original out-of-state title
- Proof of in-force liability insurance If there is a loan or other lien on your car, the Office will charge a $10.00mortgage recordation fee and you may need to submit additional paperwork. The title fee is $18.50, plus an $8 handling fee and a $3 license transfer fee. You can pay with personal or Business Checks, Cashier Checks, Money Orders, or Cash. Vehicle Safety Inspections Louisiana state law requires that every vehicle be inspected and show a valid safety inspection certificate. In New Orleans, Kenner and Westwego, inspections are performed by city government. Vehicles in the parishes of Ascension, East Baton Rouge, Iberville, Livingston, and West Baton Rouge must have their cars inspected in their particular parishes. Everyone else can use state inspection facilities. These parishes charge $18.00 for the inspection. All others are $10.00. At the time of inspection, you must present: - A valid driver's license
- Your current vehicle registration
- Proof of current and valid insurance Once your car has been test driven and thoroughly checked by the inspector, you will be given your inspection stick and you will be legal to drive in your new home state of Louisiana. If you have more questions about registering your car in Louisiana, call (225) 925-6146 and choose option 2. The state of Louisiana requires that every driver have car insurance in order for them to operate a motor vehicle. You can search our dtabase and find low cost insurance coverage with affordable insurance premiums in Louisiana. Getting yourself Louisiana car insurance quotes is an easy way to start saving hundreds of dollars on your insurance. Louisiana offers different car insurance coverage even if you have a less than perfect driving record, never been insured before or even if you are already insured yet your policy was revoked or lapsed. In Louisiana, insurance is a basic requirement in license registration and driving without insurance is a serious crime. A driver not able to produce proof of having insurance can be fined or even suspended just for not carrying an insurance poof. It is one of the basic requirements of law in Louisiana and should be carried at all times when driving. If you don’t have any insurance policy yet, then it’s high time to get yourself Louisiana car insurance quotes first for you to know exactly the best insurance coverage for you. This step of obtaining first a quote from credible insurance companies will enable you to choose and make the right decisions regarding your car insurance. The Louisiana car insurance quotes can give you an overview of how much you are willing to pay for a specific insurance policy. You therefore need this to compare the rates with other companies and for you to pay the best car insurance at the lowest possible price. Through time, the proliferation of Internet has enabled a faster way of getting an insurance quote. In Louisiana, different insurance companies are getting the hype of using the Internet in order for them to introduce their car insurance products. People could easily get all the information of their insurance quotes and would be able to compare the rates with other companies. It is no more difficult to obtain insurance quotes through the Internet. The essential thing to consider is that you must have one to safely and securely drive around the state of Louisiana. You must also choose the right car insurance that would definitely let you choose the right coverage at a low price.
Car Insurance in Louisiana
Alexandria Car Insurance
Baton Rouge Car Insurance
Bossier Car Insurance
Kenner Car Insurance
Lake Charles Car Insurance
Layfette Car Insurance
Monroe Car Insurance
New Iberia Portland Car Insurance
New Orleans Car Insurance
Shreveport Car Insurance
