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re: Moved out of Louisiana. Car insurance cut in half

Posted on 3/17/20 at 7:41 pm to
Posted by SulphursFinest
Lafayette
Member since Jan 2015
11920 posts
Posted on 3/17/20 at 7:41 pm to
Never understood people who say their insurance is high.

I pay $98/month on a $30,000 truck. Is that bad?
Posted by CaptainsWafer
TD Platinum Member
Member since Feb 2006
59453 posts
Posted on 3/17/20 at 7:44 pm to
As an adult you should be carrying more insurance.
Posted by RealityTiger
Geismar, LA
Member since Jan 2010
20543 posts
Posted on 3/17/20 at 7:45 pm to
Because it is high compared to what you would pay in other states with the exact same coverage.
Posted by biglego
San Francisco
Member since Nov 2007
85560 posts
Posted on 3/17/20 at 7:46 pm to
quote:

You definitely notice the lack of sales tax and no state income tax too. Property taxes here are a beast though.


One way or another, the government is getting it’s share.
Posted by TDcline
American Gardens building 11th flor
Member since Aug 2015
9504 posts
Posted on 3/17/20 at 7:48 pm to
quote:

As an adult you should be carrying more insurance.


Ok Boomer
This post was edited on 3/17/20 at 8:23 pm
Posted by km
Baton Rouge
Member since Jul 2008
5653 posts
Posted on 3/17/20 at 7:56 pm to
You can buy an inspection sticker on the street for $50. Sounds like a deal until you connect the dots. A vehicle is in terrible shape and can’t legally get a sticker. But you get one on the street and guess what? You don’t need insurance because you’re probably not going to get pulled over since you have a sticker. Thus many many uninsured drivers and the price explodes.
Posted by Bayou
Boudin, LA
Member since Feb 2005
43531 posts
Posted on 3/17/20 at 8:00 pm to
You left Louisiana for Alabama?
Posted by fallguy_1978
Best States #50
Member since Feb 2018
53837 posts
Posted on 3/17/20 at 8:01 pm to
quote:

You can buy an inspection sticker on the street for $50. Sounds like a deal until you connect the dots. A vehicle is in terrible shape and can’t legally get a sticker. But you get one on the street and guess what? You don’t need insurance because you’re probably not going to get pulled over since you have a sticker. Thus many many uninsured drivers and the price explodes.

Texas has the highest uninsured driver rate in the country.
Posted by RonFNSwanson
1739 mi from the University of LSU
Member since Mar 2012
24376 posts
Posted on 3/17/20 at 8:03 pm to
quote:

One way or another, the government is getting it’s share.


But in his case, the government is using the money wisely. I envy that
Posted by biglego
San Francisco
Member since Nov 2007
85560 posts
Posted on 3/17/20 at 8:06 pm to
That’s how I look at it here in Texas. Property taxes are killer but my three kids can go to good public school and the roads are smooth. That’s all we can hope for.
Posted by TDcline
American Gardens building 11th flor
Member since Aug 2015
9504 posts
Posted on 3/17/20 at 8:23 pm to
I don’t mind the higher property tax. Probably comes out as a wash when all is said and done about what the average individual pays but I NEVER see litter on the roads. I NEVER hit a pot hole. The schools here look nicer than Louisiana universities aside from LSU
Posted by Topisawtiger
Mississippi
Member since Oct 2012
3706 posts
Posted on 3/17/20 at 8:26 pm to
If you moved to Mississippi you will make up for it in license plate fees. With no better roads.
Posted by GreatLakesTiger24
Member since May 2012
61594 posts
Posted on 3/17/20 at 8:27 pm to
If an area has low property tax there’s probably more than one good reason
Posted by DiamondDog
Louisiana
Member since Nov 2019
13436 posts
Posted on 3/17/20 at 8:29 pm to
quote:

pay $98/month on a $30,000 truck. Is that bad?


Depends on level of coverage.

We have two newer vehicles. 300/500 w/$500 deduct and everything maxed and it’s $305 a month.
Posted by crazyLSUstudent
391 miles away from Tiger Stadium
Member since Mar 2012
6206 posts
Posted on 3/17/20 at 8:37 pm to
My Louisiana monthly quote was nearly the same as my Texas 6 month policy total. So stupid
Posted by mattfromnj
New Jersey
Member since Mar 2020
609 posts
Posted on 3/17/20 at 8:45 pm to
It's always depressing seeing people from the south, or really any other part of the US, complaining about things like auto insurance and property taxes when you live in NJ.

I know it's all relative but you really don't know how good you have it.
Posted by nola000
Lacombe, LA
Member since Dec 2014
13139 posts
Posted on 3/17/20 at 9:13 pm to
quote:

Property taxes here are a beast though


In most cases it more than makes up for...


quote:

lack of sales tax and no state income tax
Posted by RockChalkTiger
A Little Bit South of Saskatoon
Member since May 2009
11338 posts
Posted on 3/17/20 at 9:19 pm to
Same. It’s because of all the uninsured drivers and the state’s refusal to enforce the requirement. So the law-abiding citizens get to pay for the criminals’ insurance. Same thing happens with healthcare but y’all lost y’all damn minds over Obamacare.
Posted by Redbone
between St. Amant and Port Vincent
Member since Sep 2012
20738 posts
Posted on 3/17/20 at 9:55 pm to
How much you paying for gas.

I paid $1.67/gal. today.
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