Bastrop, LA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Bastrop, LA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Low Cost Car Insurance in Bastrop, LA
Auto insurance is a must in Bastrop, LA. The law requires that all drivers have a minimum amount of insurance, and failure to do so can result in severe penalties. Many auto insurance companies operate in Bastrop, LA, and it is important to shop around to get the best rates. In Bastrop, LA, auto insurance typically costs $2,333. A number of factors affect auto insurance rates, including the type of vehicle, the driver's age, and the driver's driving record. With so many different auto insurance companies and policies to choose from, it can take time to know where to start. But if you keep these tips in mind below, you'll be on your way to finding the right policy for you.
Choose a High Deductible
Regarding car insurance, one of the best ways to save money is to choose a high deductible. By doing so, you can significantly reduce the cost of your premium. This comes with a bit of a risk. If you have an accident, you will be responsible for paying the full amount of the deductible. However, if you are a safe driver, the odds are good that you will never need to use it. The higher your deductible, the lower your auto insurance rates. For instance, car owners in Bastrop, LA, who chose a high deductible of $1,000 pay a premium of $1,201, while those who chose a deductible of $500 pay $1,421.
Maintain a High Credit Score
Having a high credit score can save you significant money on your car insurance premiums. Insurance companies use credit scores to help determine rates. Those with higher credit scores are often seen as being more responsible and less likely to file a claim. As a result, they usually pay less for their car insurance. With exceptional credit scores, car owners in Bastrop, Louisiana, have to pay $2,002, while those with poor credit must pay $3,805. Therefore, car owners who wish to save money on car insurance in Bastrop, LA, must maintain a good credit rating.
Avoid Driving Under the Influence (DUI)
If you are caught driving under the influence of alcohol or drugs in Bastrop, Louisiana, you will face serious consequences. Not only could you go to jail, but you will also be fined, and your car insurance rates will increase dramatically. For example, Bastrop, Louisiana, typically rates $2,333 for auto insurance. Owners of vehicles with a DUI conviction history pay a $3,234 post-DUI premium. As a result, insurance rates increase following a DUI.
Factors that can influence the cost of car insurance in Bastrop, LA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Bastrop, LA Auto Insurance Rates
- Bastrop, LA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Bastrop, LA
- Multi Vehicle Insurance Savings in Bastrop, LA
- How Credit Score Affects Car Insurance Rates in Bastrop, LA
- How DUI Affects Auto Insurance Premiums in Bastrop, LA
- Top Auto Insurance Agents Near Bastrop, LA
- How Driving Violations Affect Auto Insurance Rates in Bastrop, LA
- Bastrop, LA Auto Insurance Discounts on Anti Theft Feature
Bastrop, LA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Bastrop, LA with that of other cities in and around Bastrop.
| Bastrop | Collinston | Sterlington | Morehouse | Swartz | Bonita | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $2,333 | $2,301 | $2,387 | $2,352 | $2,430 | $2,287 |
Bastrop, LA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Bastrop, LA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Bastrop | $1,421 | $1,201 |
| Collinston | $1,509 | $1,275 |
| Mer Rouge | $1,443 | $1,219 |
| Morehouse | $1,618 | $1,367 |
| Sterlington | $1,321 | $1,116 |
| Oak Ridge | $1,323 | $1,117 |
| Swartz | $2,822 | $2,384 |
| Bonita | $1,084 | $915 |
Bastrop, LA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Bastrop, LA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $7,570 |
| 20 Years | $2,998 |
| 30 Years | $2,309 |
| 40 Years | $2,221 |
| 50 Years | $2,057 |
| 60 Years | $2,086 |
| 70 Years | $2,428 |
Bastrop, LA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Bastrop, LA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $3,966 | $700 |
| 3 Vehicles | $5,949 | $1,050 |
| 4 Vehicles | $7,932 | $1,400 |
Savings on 2 Vehicles bundle:$700
Savings on 3 Vehicles bundle:$1,050
Savings on 4 Vehicles bundle:$1,400
Bastrop, LA Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Bastrop, LA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Bastrop | $2,333 | $3,234 |
| Collinston | $2,301 | $3,189 |
| Mer Rouge | $2,368 | $3,282 |
| Morehouse | $2,352 | $3,260 |
| Sterlington | $2,387 | $3,309 |
| Oak Ridge | $2,475 | $3,431 |
| Swartz | $2,430 | $3,368 |
| Bonita | $2,287 | $3,170 |
Bastrop, LA Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $2,002 |
| Excellent (740-799) | $2,285 |
| Good (670-739) | $2,431 |
| Average (580-669) | $3,172 |
| Poor (300-579) | $3,805 |
Bastrop, LA Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| James Wilson | Allstate | 150 S Liberty St, Bastrop, 71220 | (318) 281-3010 |
| Tommy Culp | State Farm | 1421 E Madison Ave, Bastrop, 71220-4029 | 318-281-4711 |
| Ron Bush | State Farm | 1911 E Madison Ave, Bastrop, 71220-4069 | 318-281-1777 |
| Louisiana Insurance Services | Travelers | 2814 N Trenton St., Ruston, 71270 | (318) 300-1298 |
| Dr. Patsy R. Brown | Allstate | 1008 N 18th St, Monroe, 71201 | (318) 699-8680 |
| Earle Files | Allstate | 200 S Washington St, Bastrop, 71220 | (318) 281-1114 |
| Lincoln Agency, Llc | None | 504 S. Service Road E., Ruston, 71270 | None |
Bastrop, LA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$103 | $2,436 |
| Driver's Failure In Showing Documents | +$226 | $2,559 |
| Driving With An Expired Registration | +$240 | $2,573 |
| Driving At A Considerably Slow Pace | +$506 | $2,839 |
| Using A Cellphone While Driving | +$534 | $2,867 |
| Running A Red Light | +$544 | $2,877 |
| Speeding | +$572 | $2,905 |
| Driving A Vehicle Without The Required Permission | +$726 | $3,059 |
| Driving With An Expired/Suspended License | +$1,572 | $3,905 |
Bastrop, LA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $2,240 |
| Active Disabling Device | $2,240 |
| Tracking Device | $2,193 |
| Passive Disabling Device | $2,170 |