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Message
re: Car insurance cost in Louisiana vs Texas
Posted on 2/18/20 at 1:53 pm to Lakeboy7
Posted on 2/18/20 at 1:53 pm to Lakeboy7
quote:
Man that was a hell of a deal you had paying 358 a month for 4 cars and two kids. Hell of a deal.
I realize that now. That is even with my daughter totaling her car a couple of years ago and causing a 3 car pile up. Also includes a brand new vehicle.
0
Posted on 2/18/20 at 1:53 pm to X123F45
quote:
One side by side was totaled because a bad trans locked up the arse end and sent me cartwheeling across a field.
That is crazy. Glad you are alright there. Were you buckled up?
Posted on 2/18/20 at 1:53 pm to Chad504boy
I'm okay with what I pay 
shite they've paid out more than I'll ever put in
shite they've paid out more than I'll ever put in
Posted on 2/18/20 at 1:59 pm to Ramblin Wreck
OP - do your two kids at college have a car each, or do they not? You would be getting a hefty discount if they didn't, especially if they are 100 or more miles away from your cars.
At your former residence, were you getting a claims-free discount?
At your former residence, were you getting a longevity discount?
At your former residence, were you getting multiple policy discounts for having homeowners and auto insurance with the same insurer?
These can affect your new rates if you are going with a new insurer. If you are not going with the same insurer you had previously, why not?
At your former residence, were you getting a claims-free discount?
At your former residence, were you getting a longevity discount?
At your former residence, were you getting multiple policy discounts for having homeowners and auto insurance with the same insurer?
These can affect your new rates if you are going with a new insurer. If you are not going with the same insurer you had previously, why not?
Posted on 2/18/20 at 2:05 pm to Ramblin Wreck
quote:
four cars (two kids in college). In Texas I paid $4300 per year. In Baton Rouge the quote for the same policy coverage was about $9000. So either I chose the wrong insurance company or you guys pay a lot for car insurance. Is this a normal rate?
You remember all those billboards with attorneys you saw when you drove in from Texas?
And the shitty roads?
There's your answer.
Posted on 2/18/20 at 2:17 pm to Ramblin Wreck
Ask John Bel Edwards and the attorneys he allows to give him thousands in donations/campaign money in order to allow attorneys to sue car insurances and people from accidents. That's why it's so high...Tbh, glad I don't live in La. anymore.
This post was edited on 2/18/20 at 2:19 pm
Posted on 2/18/20 at 2:20 pm to Demshoes
quote:
4 cars, 2 teens, one at fault accident from my 18 year old son = $12,000 a year.......
$1k a month?!?
Posted on 2/18/20 at 2:22 pm to Contrary
quote:
Ask John Bel Edwards and the attorneys he allows to give him thousands in donations/campaign money in order to allow attorneys to sue car insurances and people from accidents.
Yep. Gordon was right there with him celebrating on election night. frick all you mother frickers that voted for JBE not once, but twice. YOU are the reason why insurance continues to be so high in LA.
Posted on 2/18/20 at 2:25 pm to Ramblin Wreck
That is outrageous. I pay $225/month for 4 cars (three with comprehensive, on with just liability), and three drivers (one under 18)....
I love Louisiana, but I am glad I live in Ohio for car insurance..
I love Louisiana, but I am glad I live in Ohio for car insurance..
Posted on 2/18/20 at 2:27 pm to notiger1997
quote:
ve seen a few articles recently that tries to claim that tort reform and getting the injury attorneys reigned in wouldn't result in lower insurance rates.
I think that's probably BS.
I have never heard anyone other than an actual plaintiff attorney assert that it’s not because of plaintiff attorneys and frivolous lawsuits. It would be funny if it weren’t so sad (and expensive).
Posted on 2/18/20 at 2:28 pm to DevilDagNS
what about the actuaries hired by the legislative committee put together to study the issue?This post was edited on 2/18/20 at 2:29 pm
Posted on 2/18/20 at 2:34 pm to boosiebadazz
quote:
what about the actuaries hired by the legislative committee put together to study the issue?
Were the legislative committee members also attorneys? I know most lawmakers have a law background. That seems to be a problem. Consultants like actuaries can come up with whatever you pay them to come up with.
"You guys hate lawyers until you need to navigate this complex legal system lawyers created!"
Posted on 2/18/20 at 2:35 pm to Ramblin Wreck
Find and independent agent and have them shop companies for you- State Farm, All state, etc the big guys are really expensive
Posted on 2/18/20 at 2:39 pm to lsu13lsu
quote:
That is crazy. Glad you are alright there. Were you buckled up?
Always buckled. Always walked away.
Broken vertebrae, collar bone, torn muscles, and glass scratches
Posted on 2/18/20 at 2:39 pm to Ramblin Wreck
quote:
In Texas I paid $4300 per year.
quote:
In Baton Rouge the quote for the same policy coverage was about $9000
What was the company you were coming from ? and what company was quoting??
Reason why.. Texas vs La. rates aren't that drastically different and sounds a bit off.
This post was edited on 2/18/20 at 2:41 pm
Posted on 2/18/20 at 2:42 pm to DarkDrifter
quote:
Reason why.. Texas vs La. rates aren't that drastically different and sounds a bit off.
I would strongly disagree
Posted on 2/18/20 at 2:44 pm to Ramblin Wreck
Did you register your car in LA yet? If so, you’ll need a victim assistance group after you do so
Posted on 2/18/20 at 2:49 pm to udtiger
(no message)
This post was edited on 2/10/21 at 12:45 am
Posted on 2/18/20 at 2:52 pm to danilo
You gonna have to sell 2 of your cars and then trade your other 2 on used Honda Civics with 4 doors.
Posted on 2/18/20 at 2:52 pm to Lakeboy7
quote:
Shouldnt we be talking about how stupid insurance defense lawyers are? that has to be a big part of the problem right?
I mean if someone is sitting at a red light and gets tapped from behind and it turns into a multi million dollar payout then it would stand to reason the insurance company had a dumbfrick for a lawyer.
Maybe if the defense bar improved it would tamp down all these huge awards.
It seems like insurance companies don't care. State allows them to raise rates so not worth the trouble when they can still profit.
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