Best Cheap Auto Insurance in New Orleans 70127
Looking for cheap auto insurance in New Orleans? Auto Insurance Center will provide you with the best cheap auto insurance quotes.
As the largest city in Louisiana, New Orleans is known as the birthplace of jazz.
Because of its location to the Mississippi-Missouri river system, New Orleans was a desirable location for its first European settlers in order to establish a port. The French settled in the area in the 1690s.
The city was founded in 1717 and named after French regent, Philippe II, duc d’Orléans. From there it, it quickly grew into a major port city, shipping items to and from Europe.
New Orleans was under Spanish control from the Treaty of Paris in 1763 and by 1803, the city and surrounding French territory was sold to the United States under the Louisiana Purchase.
New Orleans played a pivotal role during the War of 1812, as General Andrew Jackson fought and protected the city.
During the 1800s, steamboat and railroad technology helped New Orleans continue to grow as a major port city.
Because of its history, New Orleans has an influence of various cultures, making it one of the most culturally diverse cities in the nation.
New Orleans attractions include: French Quarter, Garden District, Swamp Tours, St. Louis Cathedral, New Orleans Museum of Art, Audubon Nature Institute and The Cabildo.
New Orleans is home to two professional sports teams, Saints (NFL) and Pelicans (NBA). In addition to Saints games, the Mercedes-Benz Superdome also hosts the NCAA Sugar Bowl as well as other prominent events.
Insurance Discounts in New Orleans
In Louisiana, having an anti-theft device installed and/or VIN etching can earn you auto insurance discounts.
Common insurance discounts from car insurance companies include:
- Good student
- Multiple policy
- Automatic payment
- Bundling auto with homeowners or renters
Remember that the best way to save money with auto insurance is to keep a clean driving record.
New Orleans Driving Conditions
The New Orleans climate is classified as humid subtropical. The annual high temperature is 77.1 degrees and the annual low temperature is 62.3 degrees. The summers are hot and humid and receive the most rainfall throughout the year. Winter are mild with rare snowfall.
Because of its location on the Gulf of Mexico, New Orleans is prone to tropical storms and hurricanes. Drivers should check weather reports before traveling.
According to the 2015 Crime in the United States report, Louisiana had 156,629 accounts of property crime and 9,741 accounts of vehicle theft.
Louisiana Driver’s License
As a legal resident of Louisiana, you’ll need to obtain a Louisiana driver’s license. Those with a valid out-of-state license will be required to pay an application fee.
When you visit the DMV, bring your valid out-of-state license, proof of U.S. residency (birth certificate, passport, etc.), proof of Louisiana residency and proof of your Social Security number.
Seat Belt Laws
In Louisiana, all occupants must wear a seatbelt when the vehicle is in motion.
Every resident of Louisiana who transports a child or children under the age of 13 in a motor vehicle which is equipped with safety belts must have the child properly secure. Children younger than 6 or weighing less than 60 lbs must be in a child restraint system.
Cell Phone & Texting Laws
Texting is prohibited in Louisiana. However, hand-held devices are only banned for drivers under 18.
Louisiana is one of the few states to ban smoking while driving or riding in a car in which a small child is present.
You would be surprised how much insurance rates can vary zip code to zip code even if the zip codes are within the same metropolitan area. This can be for various reasons including higher or lower crime rates in a specific zip code area, accident statistics in that zip code, traffic density in different parts of the city, and even different weather conditions depending on what part of the metro area you are in. This can become even more interesting if you live on the border of a different zip code yet your are paying more for insurance than you would if you lived right across the street. While some people will use this to their advantage and give their insurance company a different address than their actual address to save some money it is not advisable as this may be seen as a form of fraud.
To find out what your auto insurance rates will be for you zip code either fill out the quick quote form above or call one or more of the local agents below. It is best to call more than one to get them to compete for your business so that you can get the cheapest rates possible. Many people would rather avoid this effort because its more work but its one of the best ways to get cheap auto insurance quotes.