re: Louisiana has nation’s second-highest car insurance rates, report says

Boosie, I worked for one of the largest auto insurers in La. We were never instructed to steer clients away from UM. Imagine the professional liability an agent would be exposed to when a client was killed or disabled by an uninsured motorist and that fact was brought out in court. If cost is a problem, raise your deductible on comp and collision to make room for UM. Dealing with a competent agent will give you options and explanations. Something you will not get online. As an example: Many people want to carry a $50 deductible on comp. Going up to $100 saved on average $35 every six months. Do the math, a potential $50 less cost required a guaranteed $35 expense. You potentially saved in reality $15. Use that $35 to pay for UM. Will an extra $50 for a windshield bankrupt you? A disabling accident sure can.