Louisiana Auto Insurance

The cost of your Louisiana vehicle insurance can be significantly reduced when you prove that you are a safe driver year after year. Safe driver discounts are normally around 10% and can save you loads of money in the long run. By practicing safe driving tips and becoming an expert at defensive driving, you will not only reduce insurance premiums, you will be creating a safer environment for yourself and all other motorists on the roads.

Defensive safe driving tips:

• Always obey the speed limits. They are determined by professionals to ensure the safety of the masses. And remember, going 10 miles an hour over the speed limit for 30 or 40 miles is not going to save you very much time at all. More likely, it will just get you a speeding ticket and points against your driver's license. That's not the way to reduce insurance premiums.
• Be respectful of the other drivers around you. Make eye contact with them and communicate with them. Let them know your intentions about where you're going next. Be considerate and yield even when you're not required to. It's better by far to wait a couple of extra seconds yielding than it is to be involved in a serious accident.
• Keep your eyes moving as you drive and avoid tunnel vision. You need to be aware of what's in front of you, behind you and on both sides at all times. By having your eyes in motion, you will be able to get the big picture that you need for safe driving.

n though uninsured/under-insured motorist coverage is optional according to Louisiana vehicle insurance regulations, it is highly recommended that you add it to your policy. In the event of an emergency, that extra coverage can make all the difference. Here are some more safe driving tips that will help you reduce insurance premiums wherever you live:

• Don't ever trust any other driver on any roads. You simply have no idea what's going on in their minds, in their lives or even right beside them in the vehicles they're driving. They may be reaching for their cups of coffee. They may be about to have heart attacks. They may be about to be stung by scorpions! The point is that you never know and therefore you cannot anticipate what they will do next.
• Be the leader as a driver on any road. Take it upon yourself to ensure your own safety and the safety of those around you. Being proactive concerning safety as a motorist is what defensive driving is all about.
• Use your headlights liberally. Even if you can see just fine, having your headlights on will allow others, who may not see as well as you, to have you in their sights. Although only 25% of driving is done after dark, more than 50% of accidents occur then.

These safe driving tips and others like them will allow you to become an expert of defensive driving over time. Your Louisiana vehicle insurance premium rates will begin to drop as you continue to show your insurance company the level of safety and responsibility that you demonstrate each time you get behind the wheel.