Insurance quotes and assistance

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Auto Insurance

Commercial Auto Insurance and Personal Auto Insurance
Keeping Auto Insurance Premiums Low
Take Advantage of Insurer Websites
Am I The Only One That Thinks Auto Insurance Rates Are Freaking Ridiculous?!
Flustered About Auto Insurance?
Auto Claim DENIED…WTH!!!
How much auto insurance do I need?
Do all states have a mandatory auto insurance minimum?
How do I get the best policy value for my money?

Health Insurance

Health Insurance Decisions
Do you need health insurance?
Indemnity Plans
Health Insurance Dissected…Lighten Up!
5 Things Every Health Insurance Policy Holder Needs to Do Now
Tips for Working with Customer Service
What are the most popular types of health insurance plans available?
What exactly does my health insurance premium pay for?
What is a main hospital plans?

Home Insurance

Renters Insurance Stripped
Whose Home Insurance is Responsible?
Umbrella Insurance
Expecting Home Insurance Premium Increases
5 Steps Home Insurance Policy Holders Must Take Now
What Home Insurance doesn’t Cover
Do I have to have home insurance?
How do I get the homeowners policy that gives me the best value for my money?
What if someone is injured on my land?

Life Insurance

Don’t Screw Up Your Life Insurance!
The Case for Term Life
Lying to Insurers
It’s Time To Stop Bashing Life Insurance Coverage! Have You Got A Better Solution?
Should You Sell Your Soul To The Insurance Company In The Pale Moonlight?
Do You Need a Trust?
How much life insurance do I need?
How do I get a life insurance policy that offers the best value for my money?
Should my spouse and I have separate life insurance coverage?

Louisiana Insurance Guide

Louisiana residents have learned a lot over the past decade about the importance of insuring their homes, automobiles, health and lives. As sad as the lessons have been for them to bear, future generations may benefit from the knowledge that most insurance policies may only cover possible events, but when those possibilities become realities, insurance is extremely beneficial.

Louisiana Auto Insurance

Louisiana auto insurance regulators have placed relatively few insurance requirements on residents of the state. Louisiana is not a no-fault state and does not require personal injury protection (PIP) or uninsured motorist coverage.

Louisiana auto insurance regulations do require that residents carry bodily injury liability and property damage liability insurance. The property damage liability minimum in the state is $25,000. Bodily injury liability in the event of a single-person injury is $15,000 and in a multiple person incident is $30,000.

Louisiana Health Insurance

Louisiana health insurance regulations do not require insurers to provide pre-existing condition coverage in the individual market. The state has created a high-risk pool that provides an insurance solution to uninsurable individuals. In addition, they allow state income tax deductions for contributions made to a health savings account (HSA).

Louisiana health insurance group policies are available for employer groups as small as 2 people. Pre-existing conditions can be excluded from group coverage if an employee has had a 63 day or longer break in their insurance overage during the past 6 months. In these instances, the condition can be excluded up to 12 months. Rate bands protect rates from becoming too high in groups with 3-35 employees.

Louisiana Home Insurance

Louisiana is a beautiful state rich in culture and history. It is a wonderful and enriching place to live and visit, but it is also in a prime location for hurricanes off the Gulf of Mexico and tornadoes. As such, even if you own your home in full, Louisiana home insurance is an important purchase to make.

Louisiana Life Insurance

Created in 1991, the Louisiana Life & Health Insurance Guaranty Association provides a payment of death benefit and cash values to insured’s whose Louisiana life insurance company has become insolvent or gone out of business. They offer payments of up to $100,000 for cash surrender value and $300,000 for death benefits.

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