Car Insurance Quotes for Minden, Homer and Shreveport, LA

When you are looking for automobile insurance quotes, it can be hard to sort out the type of insurance you need. The companies out there that are selling the cheapest insurance are typically not working for your best interests, and they will not take the time to ensure that you have the complete coverage you need in the event of an accident.

At McInnis Insurance Agency, we will get to know you and will tailor a policy to you and your family. The questions we ask you will help us understand your household, including how many vehicles you have, whether you have both automobiles and trucks, and who in your household will be driving the vehicles.

With this information in mind, your McInnis agent will look for the best policy at the best price, while also ensuring that you do not have any coverage gaps that could leave you without insurance at a critical juncture when your car is damaged, stolen, or even worse – if you should be found at fault in an accident that injures another person.

Please contact one of our agents in Minden or Homer, LA, anytime for assistance.

What Car Insurance Coverage Do You Need?

Your auto insurance policy is a critical part of your personal insurance coverage, and can protect your family from severe financial challenges in the event of an accident. Additionally, the State of Louisiana has financial responsibility requirements for every individual who gets behind the wheel.

If you drive, you must have at least a minimum amount of auto liability, and you must also carry proof of insurance. You will need your proof of insurance card when you register your vehicle at the Louisiana Office of Motor Vehicles, when you get or renew your driver’s license, and whenever you are asked to show identification to a law enforcement officer.

The minimum auto liability requirements in Louisiana are:

 

  • $15,000 for bodily injury or death of one individual in a given auto accident
  • $30,000 for bodily injury or death of two or more individuals
  • $25,000 for property damage to another person’s vehicle or property

 

In many accidents, these liability minimums are not enough to protect the at-fault driver financially. If, for example, you or another driver in your household is responsible for severe injuries to another driver or passenger in an accident, your expenses could include medical payments, rehabilitation and a costly law suit.

We will help you to assess your risks and get the coverage you need to protect your finances in the event of such an incident. Additionally, we will help you to determine other coverage that you need for your own vehicle and injury protection. This may include:

 

  • Collision insurance to cover harm to your vehicle in a collision
  • Comprehensive (or “other than collision”) insurance to cover damage or loss from severe weather, theft, fire and other causes
  • Uninsured and underinsured motorists coverage to help you obtain benefits if you are in an accident and the driver at fault lacks appropriate coverage to pay for your injuries or property damage

 

Getting the appropriate coverage in place is critical in today’s world where law suits and litigation are common. The good news is that we can review multiple coverage products on your behalf to find the coverage that makes the most sense for you at an affordable price. We can also bundle your auto and home insurance for optimal savings.

A McInnis Insurance Agent Can Help

At McInnis Insurance Agency, we take the complexity and mystery out of auto insurance and answer all your questions to your satisfaction. We want you to make the most informed decision, as painlessly as possible.

In addition to covering your personal vehicles such as cars, trucks and SUVs, we can also cover your motorcycle or other motorbike, as well as your RV, boat and other outdoor toys. Finally, if you are a business owner, or you drive your vehicle for business, we can also offer commercial vehicle insurance.

Contact one of our agents in Minden, Homer or Haynesville, LA, for auto insurance quotes and answers to all of your questions.