The Brignac Group is a full-service, independent Baton Rouge insurance agency.

(225) 292-1100

The Brignac Group - A Baton Rouge Insurance Agency
The Brignac Group - A Baton Rouge Insurance Agency
  • Home
  • About
    • About TBG
    • Meet Team Brignac
  • Personal Insurance
    • Auto Insurance
    • Home Insurance
    • Fire Insurance
    • Life Insurance
    • Flood Insurance
    • Umbrella Insurance
    • Renter's Insurance
    • Motorcycle Insurance
    • RV Insurance
    • Boat Insurance
  • Business Insurance
    • General Liability
    • Commercial Property
    • Commercial Auto
    • Workers Comp
  • More
    • Home
    • About
      • About TBG
      • Meet Team Brignac
    • Personal Insurance
      • Auto Insurance
      • Home Insurance
      • Fire Insurance
      • Life Insurance
      • Flood Insurance
      • Umbrella Insurance
      • Renter's Insurance
      • Motorcycle Insurance
      • RV Insurance
      • Boat Insurance
    • Business Insurance
      • General Liability
      • Commercial Property
      • Commercial Auto
      • Workers Comp

(225) 292-1100


  • Home
  • About
  • Personal Insurance
  • Business Insurance
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The Brignac Group - A Baton Rouge Insurance Agency

Auto Insurance

Auto insurance with The Brignac Group has never been easier. We understand there’s nothing more personal than auto insurance and we are positioned to provide the most competitive auto insurance policies in the marketplace. 

auto insurance is not an option

In the state of Louisiana...

...  it is illegal to drive any motor vehicle without proof of insurance or financial responsibility. The driver must maintain proof of continuous insurance throughout the registration period. The penalties for driving without car insurance in Louisiana include:


  • Take proof of insurance to an OMV office.
  • Pay a fine of at least $100 on your first offense, and $250 on a second offense, up to $700 for further offenses.

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What factors affect my auto insurance Baton Rouge premium?

 Accidents, traffic violations, credit score, the age of drivers, the distance being driven to work, what type of car you own, the number of cars are on the policy and many more factors determine the price of your policy. 

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What kind of auto insurance do I need?

In Louisiana, you must carry liability limits of:


$15,000 for the injury or death of one person

$30,000 for the injury or death of more than one person

$25,000 for property damage


If you have an outstanding loan on your vehicle, the lender will require you to maintain:


Comprehensive and Collision Coverage (see note below)

Parts of an Auto Insurance Policy

Bodily Injury Liability

Property-Damage Liability

Property-Damage Liability

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Covers injury that you may cause to others. 

Property-Damage Liability

Property-Damage Liability

Property-Damage Liability

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Covers damage that you may cause to another person’s property.

Collision Coverage

Property-Damage Liability

Uninsured Motorist Coverage

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Covers damage when your vehicle runs into another object, such as other vehicles, trees, light poles, etc. (See NOTE below) 

Uninsured Motorist Coverage

Underinsured Motorist Coverage

Uninsured Motorist Coverage

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Typically pays for injury you suffer from an accident caused by an uninsured driver. “Uninsured” usually refers to a person who has no insurance or a person who can’t be located (“hit and run drivers”). 

Underinsured Motorist Coverage

Underinsured Motorist Coverage

Underinsured Motorist Coverage

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Pays for injuries caused by a driver who is inadequately insured. 

Comprehensive Coverage

Underinsured Motorist Coverage

Underinsured Motorist Coverage

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Covers damage caused to your vehicle by an “act of other than collision," such as fire, theft, vandalism, or hail. (See NOTE below) 

Towing and Labor Coverage

Towing and Labor Coverage

Towing and Labor Coverage

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Could help pay for the car to be towed to a service station or for any repair that occurs at the location of the car’s breakdown. 

Rental Reimbursement

Towing and Labor Coverage

Towing and Labor Coverage

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Reimburses your expense of renting a car as a temporary replacement. The car being replaced must be an insured car that’s unavailable for use because of it being damaged, lost (stolen) or destroyed in a covered loss. 

Note:

Both Collision and Comprehensive coverages are subject to deductibles (the amount of a claim that the policy owner must pay).  The deductible chosen affects the overall premium. 

at The brignac group, OUR GOAL IS TO EXCEED YOUR EXPECTATIONS. call (225) 292-1100.

Copyright © 2021 The Brignac Group - A Baton Rouge Insurance Agency - All Rights Reserved.

  • About TBG
  • Meet Team Brignac
  • Personal Insurance
  • Business Insurance

FREE CONSULTATION - (225) 292-1100