Am I being overcharged for full-coverage car insurance in Louisiana?

I drive a 2015 RAM truck that I own outright, and my full-coverage car insurance costs about $120 a month. I haven't had any accidents or tickets in the last four years. Am I overpaying?

Answer
“There are many factors that determine your car insurance rate, and not all of them are within your control.
Take your location, for example. Louisiana consistently ranks as one of the most expensive states for car insurance due to its high number of uninsured drivers and pricey lawsuits. So you can expect to pay more than a driver based in Maine or Idaho.
The surest way to know if you’re getting a fair price for car insurance is to shop around with other companies. Insurers all use their own unique formulas to set rates, which is why you’ll get different prices for the exact same car and coverage level.
If you want to save money on car insurance, the Jerry app is a good place to start. A licensed broker, Jerry does all the hard work of finding the cheapest quotes from the top name-brand companies and buying new car insurance.”
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Carol Chung
Answered on Apr 19, 2021
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