Auto Insurance

Cars can take us to countless destinations, but there is always a risk of perils on the road. While we cannot anticipate every potential danger while driving, we must be prepared for them. At Liberty Professional Insurance Services LLC in Gretna, Louisiana, we understand the potential financial implications of these unfortunate events. Whether it’s coverage for vehicle repairs or liability risks, we have auto insurance options that can help you stay financially protected.

What Is Auto Insurance and How Does It Work?

Auto insurance is a contractual agreement between you and an insurance company, which can provide protection against financial losses resulting from accidents, theft, liability risks and more. By paying regular premiums, you can submit claims to the insurance company for covered incidents.

A typical auto insurance policy may include coverage for the following:

• Physical damage coverage may refer to collision and comprehensive coverages. These coverages can help financially protect your car from accident-related damage or noncollision incidents, such as theft or vandalism.
• Liability coverage is often required by law and may cover instances of bodily injury or property damage to others for which you’re responsible.
• Medical payments coverage (MedPay) may cover the cost of injuries for you and your passengers after an accident, regardless of fault.

Auto insurance can vary by state and insurance provider. Policies generally allow you to tailor coverage to your needs and budget. Talk to a Liberty Professional Insurance Services LLC agent today to discuss your circumstances and auto insurance needs.

How Much Is Auto Insurance?

In Louisiana, auto insurance rates can vary based on factors such as your location, age, driving history and gender. Typically, larger cities like New Orleans have higher rates due to increased traffic, which can make driving riskier. Additionally, younger drivers often face higher premiums due to their relative inexperience behind the wheel. Your agent can help explain factors affecting your premium and can suggest methods for lowering your overall costs.

Is Auto Insurance Important?

Driving entails numerous risks, affecting not only you and your passengers but also your vehicle and others on the road. Given the possibility of being involved in an accident, drivers have a responsibility to carry insurance. Moreover, liability coverage is required for drivers in Louisiana. Liability coverage helps ensure you can cover third-party injuries or property damage if found liable. Additionally, if you have a lien on your car, the lender may require full coverage auto insurance.

Contact Us Today

Liberty Professional Insurance Services LLC has a strong presence in Gretna, New Orleans, Metairie, Slidell and Baton Rouge. We are committed to our customers, providing unparalleled expertise and exceptional service. Contact us to learn more about affordable insurance options.