Photo source: Louisiana Dept. of Insurance
Drive most places in Louisiana and you’ll see a lot of reasons for our rating as No. 2 in America in the cost of car insurance.
Whether it’s aggressive — to the point of reckless — driving, or tons of people texting and chatting on phones instead of concentrating on the road, or for that matter, crappy roads filled with holes and unsuited to heavy traffic, Louisiana earns its high insurance costs every day.
That’s because accidents and, all too often, medical costs from injuries, are part of the cost-basis for insurance companies. They must charge enough in premiums to pay claims and have a profit, or they won’t stay in business very long.
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