Auto Insurance

Affordable Car Insurance for Louisiana and Texas Residents

ABC Insurance Agencies connects drivers in Louisiana and Texas with low-cost car insurance. Customers are provided with a car insurance policy that meets their personal needs based on price, coverage, service, and other factors that matter to them. With their connections and knowledge of the market, ABC Insurance agents can often find a better value for your insurance dollar than you might find on your own. ABC Insurance does the shopping; you do the saving, so sit back, relax, and let ABC Insurance do the rest.  

Is it Legal to Drive Without Car Insurance in Louisiana or Texas?

Auto insurance is required by law in the states of Louisiana and Texas. Thankfully, your ABC Insurance agent is knowledgeable about insurance laws, requirements, and needs of Louisiana and Texas drivers. Car Insurance is a wise investment that can protect yourself from financial trouble if you are found liable for any property damages or personal injuries after an accident. ABC can find cheap car Insurance for Louisiana and Texas drivers, so you can stay protected on the road and save money on your car insurance.

Types of Car Insurance

There are several different types of auto insurance that you can choose from to meet your budget. Your friendly local ABC Insurance agent can help you understand each type of car insurance coverage to help prepare the right policy for you. The following types of car insurance coverage are available for you to choose from:

Bodily Injury Liability

Protects you financially if another driver is injured from an accident that you cause. Bodily injury liability coverage can help pay for their medical expenses but does not help you pay for your own. If you are looking for car insurance coverage that will cover your personal injuries, read more about personal injury protection or medical payment coverage.

Property Damage Liability

Helps you pay for repairs to another driver’s vehicle or other property if you cause the damages. It also covers legal costs should the other driver file a lawsuit against you. Like bodily injury liability, property damage liability coverage also does not cover repair costs to your personal property.

Collision Coverage

Helps pay for damages to your own vehicle if it is hit by another driver or object. Keep in mind that collision coverage often has a deductible, which is the amount of money that you pay out of pocket toward an insurance claim, so make sure to consider this when choosing a policy with collision coverage, and discuss your options with a friendly ABC Insurance agent.

Comprehensive Coverage

Can protect you from unexpected events other than collisions, such as theft, vandalism, animal-related damages, and damages from natural disasters, like flooding, fire, or hail. Like collision coverage, comprehensive coverage can also have a deductible.

Personal Injury Protection (PIP)

Helps cover your medical costs and/or passengers in your car following an accident regardless of who is at fault. PIP can also include coverage for pedestrians that are injured by a vehicle. PIP benefits can also help pay for certain funeral expenses and/or lost wages incurred by you, passengers in your car, or pedestrians. PIP isn’t offered in all states. In some states where it is offered, you have the option to reject it entirely or in part; in other states it is a mandatory coverage.

Medical Payments Coverage

Pays for medical fees if you are hurt in an accident no matter who is at fault. Medical payment coverage can also help cover injuries to your passengers, dental care costs following an accident, medical expenses from pedestrian or bicyclist injuries, and funeral costs. You may notice that medical payments coverage resembles PIP. However, PIP is not available in every state, making medical payments coverage is a great option for those looking for similar coverage as PIP where it is unavailable.

Uninsured Motorist Coverage

Protects you if you are involved in an accident with a driver that does not have insurance or if you’re the victim of a hit-and-run driver. Uninsured motorist coverage can also help pay for medical costs from injuries following an accident. Depending on where you live, uninsured motorist coverage can also help repair property damage to your vehicle if hit by an uninsured driver or from a hit-and-run. In some states you are able to reject this coverage if you do so in writing.

Minimum Limits Auto Insurance

Most states, including Louisiana and Texas, require state minimum car insurance. Bodily injury liability and property damage liability make up the minimum auto insurance coverage that drivers need to be legal. The state minimum car insurance coverage for Louisiana is $15,000 of bodily injury liability coverage per person, $30,000 of bodily injury liability coverage per accident, and $25,000 of property damage liability coverage per accident. Texas residents are required to have $30,000 of bodily injury liability coverage per person, $60,000 of bodily injury liability coverage per accident, and $25,000 of property damage liability coverage per accident.

Keep in mind that liability car insurance helps you pay for damages that you cause to another vehicle or driver and does not cover damage or injury costs for your personal property. If you want additional coverage, you’ll pay higher premiums but will stay protected if you are found at fault for an accident.

“Full Coverage” Auto Insurance

A bit of a misnomer, “full coverage” is often used to describe an auto insurance policy that includes comprehensive and collision insurance along with liability insurance. Comprehensive and collision coverage often include a deductible. Your car insurance company will take care of the remaining balance, according to the terms of your car insurance policy. Although a car insurance policy that includes comprehensive and collision coverage is more expensive, it provides you with coverage if your vehicle is damaged in a collision or by a hazard that is other than a collision.

Additional Benefits of ABC Auto Insurance

ABC Insurance customers can opt into the following convenient perks to make your life easier when accidents happen. If you break down on a highway or need a rental car while your vehicle is being repaired, ABC Insurance can help you with:

  • Towing Services
  • Rental Car Reimbursement
  • Roadside Assistance

How to Save Money on Car Insurance

Below is a list of discounts ABC Insurance Agencies offers can help you find to help you save even more money on your car insurance. Speak with a friendly ABC Insurance agent to learn more about which discount(s) could apply to you or your family.

  • Accident Free Claims Free
  • Advance Quote
  • Anti-Theft Recovery Device
  • Commercial Driver License
  • Defensive Driver
  • Electronic Funds Transfer / Auto Pay
  • Factory-Installed Anti-Theft & Recovery
  • Good Sam Member
  • Good Student
  • Homeowner
  • In-Agency
  • Legacy Family
  • Low Mileage
  • Marital Status
  • Military
  • Mobile Home
  • Multi-Car
  • Multi-Policy
  • Multi-Product
  • New Vehicle
  • Paid in Full
  • Go Paperless
  • Route Use
  • Student Away at College

Not all discounts are available in products or states and are subject to the carrier’s terms and conditions.

Louisiana and Texas, Get a Free Car Insurance Quote Now

ABC Insurance helps find the rate and coverage options that best suit your needs. Get a free auto insurance quote today to start saving more on your car insurance. There’s always a better choice – we’ll find it! 

Learn More About Better Choices for Auto Insurance

ABC Insurance is here to help you understand your options for car insurance coverage in Louisiana and Texas. If you have questions about finding the right car insurance policy for you or your family, make sure to call 800-708-0123, click, or visit a friendly agent near you to find better choices for car insurance.

ABC Insurance Agencies are members of the National General Insurance Group, Winston-Salem, NC. The information provided herein is designed to give helpful advice on the topic discussed. It is not intended to provide legal or any other type of advice and is not meant to be a thorough discussion of every issue that a person should consider or may encounter. Rates vary. Coverages and discounts are subject to terms, conditions, and the underwriting company’s guidelines.

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