The Brignac Group is a full-service, independent Baton Rouge insurance agency.
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.
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.
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
Covers injury that you may cause to others.
Property-Damage Liability
Property-Damage Liability
Property-Damage Liability
Covers damage that you may cause to another person’s property.
Collision Coverage
Property-Damage Liability
Uninsured Motorist Coverage
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
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
Pays for injuries caused by a driver who is inadequately insured.
Comprehensive Coverage
Underinsured Motorist Coverage
Underinsured Motorist Coverage
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
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
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.