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HubbaBubba
LSU Fan
In Quarantine, TX
Member since Oct 2010
31962 posts

Insurance in Louisiana
Need recommended insurer/agent in Shreveport area. or maybe not. At my mom's for the week, and just checked her insurance policy. She drives maybe 50 miles a week, if that. Most weeks, nothing. She's paying an annual fee of $1789 on a 2013 Chrysler Town and Country van and has 250/500/100 with 250/500 UM and $500 deducts.

I'm in Texas with the same, but mine costs around $5600 a year, with same coverage, but I have three, newer vehicles worth much more and a teenage driver. To me, at her age, 85 (she's still sharp and has all her mental capabilities) and as little as she drives and the value of the car being so low, at less than $10k, it just seems like a lot. Maybe not, I don't know LA rates anymore.

Recommendations?


Rando
USA Fan
When IPs were Visible
Member since Apr 2015
18689 posts
 Online 

re: Insurance in Louisiana
Just get a quote on Progressive to see


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20
fallguy_1978
LSU Fan
Half mile from St George
Member since Feb 2018
25775 posts
 Online 

re: Insurance in Louisiana
I think she can get a low mileage discount.


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10
DLauw
LSU Fan
SWLA
Member since Sep 2011
4617 posts

re: Insurance in Louisiana
Switched to Farm Bureau after being with State Farm for 20 years. 5 vehicles and home was over $1100/month with State Farm (supposedly qualified for all their discounts too). Same coverage but I pay $600/month now.


HubbaBubba
LSU Fan
In Quarantine, TX
Member since Oct 2010
31962 posts

re: Insurance in Louisiana
She's currently with Safeco.


Tiger Prawn
LSU Fan
Member since Dec 2016
15768 posts

re: Insurance in Louisiana
quote:

She's paying an annual fee of $1789 on a 2013 Chrysler Town and Country van and has 250/500/100 with 250/500 UM and $500 deducts.
$150/month for 250/500 BI and UM limits plus comp/coll doesn't really sound out of line in LA. Should definitely check with her current insurer though to see if they offer a low mileage discount if one isn't already applied


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40
Parmen
LSU Fan
Bilderberg Citadel, Antarctica
Member since Apr 2016
17432 posts
 Online 

re: Insurance in Louisiana
quote:

Recommendations?


inb4 tort reform


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11
SuperSaint
California Fan
Sorting Out OT BS Since '2007'
Member since Sep 2007
112691 posts
 Online 

re: Insurance in Louisiana
quote:

At my mom's


Pics?


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21
thedentist45
LSU Fan
Louisiana
Member since Jun 2008
391 posts

re: Insurance in Louisiana
Safeco offers a plug in device that she would automatically get a discount for having and with as little as she drives, could earn up to 20% for it.

Does she have an umbrella policy so she needs the max limits?

Price isn't terrible for those limits.



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soccerfüt
Location: A Series of Tubes
Member since May 2013
42256 posts

re: Insurance in Louisiana
quote:

To me, at her age, 85 (she's still sharp and has all her mental capabilities)


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anewguy
Ole Miss Fan
BR
Member since Mar 2017
947 posts

re: Insurance in Louisiana
quote:

85


This is going to be a huge driver of the premium. At that age some carriers quit writing it, some will require a medical check.


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60
Bonkers119
New Orleans Pelicans Fan
NOLA
Member since Dec 2015
5486 posts
 Online 

re: Insurance in Louisiana
I write for Allstate, I don’t mind taking a look at it. Shreveport is usually a pretty cheap area for rates. She also might be over insured, that’s a ton of coverage for an 85 yr old.
This post was edited on 6/30 at 1:30 pm


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01
Jebadeb
LSU Fan
Baton Rouge
Member since Oct 2017
2022 posts

re: Insurance in Louisiana
I recently switched to Geico when I bought a new vehicle. Their quote was much lower than State Farm and Progressive. It specifically asked average mileage per month. Did it all online.


HubbaBubba
LSU Fan
In Quarantine, TX
Member since Oct 2010
31962 posts

re: Insurance in Louisiana
I contacted the agency. Based on her current driving history, they are sending her an app to keep on her phone that will track her driving for 90 days. Based on that, she gets an immediate 10% reduction, and if she drives as she states, they will reduce her rate by 30%. Also, she has been with them long enough that she has qualified for a $500 reduction in deductible, so she can reduce her rate by going to a $1000 deductible, in which case she still would have to pay $500 OOP, or keep it as-is, pay a little more and have no deductible.

Now we are waiting to see what it cost to reduce from 250/500 to 100/300. At any rate, after 90 days this already reduces her cost to $1192 a year, without changing liability limits.


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Chad504boy
LSU Fan
Member since Feb 2005
140737 posts

re: Insurance in Louisiana
quote:

To me, at her age, 85 (she's still sharp and has all her mental capabilities) and as little as she drives and the value of the car being so low, at less than $10k, it just seems like a lot. Maybe not, I don't know LA rates anymore.


80 year old drivers are bat shite nuts.


danilo
Member since Nov 2008
8072 posts

re: Insurance in Louisiana
quote:

Switched to Farm Bureau after being with State Farm for 20 years.

Can’t do that. Have to call around from time to time.


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OysterPoBoy
LSU Fan
City of St. George
Member since Jul 2013
19480 posts

re: Insurance in Louisiana
quote:

the value of the car being so low, at less than $10k, it just seems like a lot


Most of the cost is for when you get sued for $1,000,000 for a fender bender because there were 8 people in the other car and all have soft tissue damage and can't work anymore.


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Mudminnow
LSU Fan
Houston, TX
Member since Aug 2004
33173 posts

re: Insurance in Louisiana
We are in TX but a few months ago switched using Kirk Gilfour of Goosehead Insurance((985) 859-6979) . He is licensed in LA and TX but lives in Houston suburbs now. He's from Houma area.

We used him for home and auto insurance saving $1,375.56/yr or $114/month. He's a franchisee of Goosehead which I think he has more carriers to shop from and a few other perks.

Kirk was excellent and really took the time to explain everything to us and how it worked and checked in on us throughout the process. You can tell he genuinely cares about his clients. Can’t recommend him enough, excellent communication and really wanted to get us the best possible coverage and savings.

We previously had Travelers and he switched us to Safeco with exact same coverage. Saved $400/yr then had option to pay for full year in advance and saved another $100. We only have 2 cars 2007 and 2015 full coverage on both. Our year insurance is $956.

What was interesting he also has Travelers as an option so he plugged in everything exactly as the plan we had with Travelers at the time and his was $100 cheaper per year. Turns out he doesn't have nearly the fees built as many other agents.


anewguy
Ole Miss Fan
BR
Member since Mar 2017
947 posts

re: Insurance in Louisiana
Goosehead doesn't really have any more options than a decent sized independent.


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10
HubbaBubba
LSU Fan
In Quarantine, TX
Member since Oct 2010
31962 posts

re: Insurance in Louisiana
quote:

80 year old drivers are bat shite nuts.


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