Insurance
Insurance
Auto
Auto
Consumer’s Guide to
LOUISIANA
DEPARTMENT
OF
INSURANCE
James J. Donelon, Commissioner of Insurance
Some of us spend up to a quarter of our income each year on
insurance. Yet many do not take the same care when buying insurance
that we take with buying the cars we are insuring. Many of us tend to
judge insurance by the cost of the premium, calling five or six produc-
ers (agents) and picking the cheapest policy.
We would never dream of calling an automobile dealership, ask-
ing for the price of the cheapest car, and then choosing the car sight
unseen just because it cost the least. The same should be true for our
auto insurance.
No matter how low the premium might be, an inexpensive policy
does you absolutely no good if the insurance company cannot cover
your claim when your car has been involved in an accident.
Whatever your insurance needs, you should choose a company
that is financially sound, has a history of providing good service, and
charges a fair rate. This guide will help you find the auto insurance
company that is right for you.
A message from
Commissioner of Insurance
James J. Donelon
This public document is published at a total cost of $1,758.16. Five
thousand copies of this public document were published in this sixth
printing at a cost of $1,750. The total cost of all printings of this
document including reprints is $11,192.78. This document was pub-
lished by Consolidated Graphics, 10848 Airline Hwy., Baton Rouge,
LA 70806 to inform consumers of their auto insurance options un-
der special exception by the Division of Administration. This mate-
rial was printed in accordance with standards for printing by state
agencies established pursuant to R.S. 43:31. Printing of this mate-
rial was purchased in accordance with the provisions of Title 43 of
the Louisiana Revised Statutes.
Department of Insurance
2006
What’s Inside
What do I do first? __________________________ 2
Insurance buying tips
From our consumer hotline __________________ 3
What insurance do I h