Bastrop Auto Insurance Rates, Quotes, Agents & Reviews in LA

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.

Compare Quotes from Top Providers and Save now!

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 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