Auto InsuranceIn The Houma Terrebonne Area | Your Car Coverage Concierge!
Whether it’s no frills or premium auto coverage, we have a company & plan that will fit you!
We represent several auto insurance companies and our agents are well versed in the strengths of each. We will look at your needs and rate you for all options. We’ll find the best fit for you and your families needs. We can cover your compact, SUV, trucks, vans, sports cars, luxury car, & even the pristine classic handed down by you pop!
We represent Progressive, Kemper, Safeway, and many other carriers. Our comparative rater looks at the cost of each based on the coverages you want. We can asses many scenarios and find your best deal.
(required by law)
Everyone is required to have basic liability coverage overing injury or physical damage you cause to other persons. Louisiana state law requires every driver have a minimum of 15/30/25 liability coverage.
What does that 15/30/25 mean?
15,000 Bodily Injury
(per person per incident)
30,000 total Bodily injury
(all persons per incident)
25,000 Property Damage
Most companies offer higher limits if needed, and often for a small extra cost. If you own a home or other valuable assets it’s in your interest to purchase a policy with higher limits, protecting you and your family’s financial foundation.
Comprehensive & Collision:
(note required by law)
This covers an insured’s own car in case of a wreck, theft, or other losses where someone else is not liable. While the law doesn’t require you to have Comp & Collision, a loan or leased automobile is usually required to have it by the finance company.
Comp and Collision coverages have a stated deductible. This is the portion of the cost an insured if a claim is filed. Higher deductibles lower your monthly premium. Lower deductibles increase your premium.
The cost of this coverage is usually dictated by the value of the car.
UMBI & UMPD
(not required by law)
UMBI: Uninsured Motorist Bodily Injury: This protects you against uninsured or underinsured motorists if you or your passengers are injured.
UMPD: Uninsured Motorist Property Damage: Similar to UMBI, but this covers your car. It’s automatically included if you buy have Comp & Collision, but cab also be purchased separately if you don’t.
Most companies also offer extended medical coverages, towing, other roadside assistance, & rental. Ask us when you call!
You’ve heard Flo’ mention it. Snapshot is a Program rewarding good drivers with real savings. You could save up to 30% off a Progressive policy. As us about it today!
We compare price between several stable auto companies. Our agents are well versed in the strengths of each and will help find your best deal. Be sure to bring your previous insurance Dec Page, so we can compare apples to apples, so to speak.