Factors Influencing the Cost of Car Insurance in Metairie, LA

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The average cost of auto insurance in Metairie, LA, is on the higher side at $3,590. This is much higher than the cost of insurance in neighboring places such as St. Rose, Harvey, Waggaman. It is also higher than the state average of Louisiana. Several factors can affect the cost of auto insurance in Metairie. A thorough comparison of different auto insurance quotes will help car owners obtain an insurance quote that best suits their coverage needs. Zimlon also offers the option of keying in one’s zip code to get accurate auto insurance quotes.

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Some of the factors that could increase the cost of auto insurance are as follows:

Demographic:

The cost of auto insurance differs in different parts of the city. As the above table indicates, the cost of auto insurance for a 79-year-old elderly female in Hessmer avenue is much higher than the average cost of auto insurance for an 84-year-old elderly male in Page Drive. The cost of auto insurance for teenagers continues to be high, at $8,723. 

Deductibles:

This is one of the most common factors influencing the cost of auto insurance in Metairie, LA. A low deductible ($500) usually results in an increase in the cost of auto insurance, while a high deductible ($1,000) translates to a decrease in auto insurance costs. The average cost of auto insurance when the deductible is $500 (Ford Expedition King Ranch) is $3,920, and it increases to $3,630 when the deductible is $1,000.

DUI:

DUIs can prove to be extremely expensive to car owners in every city of the country. This can have a lasting impact on insurance rates as well. The cost of auto insurance post-DUI in Metairie can be as high as $6,677. 

Credit Score:

A low credit score could also mean an increase in the cost of auto insurance. Moreover, auto insurance increases when the credit score is “poor” or “average”.

Driving Violations:

Driving Violations such as driving with an expired license or speeding can also have a severe impact on the cost of auto insurance in Metairie, LA, mainly because it increases the amount of risk being covered by insurers. 

Other factors that could make auto insurance expensive include not using anti-theft equipment. Comparing quotes is of utmost importance to reduce the cost of auto insurance in the city.