Don’t Speed Your Way to Higher New Orleans Car Insurance Rates

Speeding can get you to your location faster, but it may end up a costly time savings.

Take your time and enjoy the scenery to keep your New Orleans car insurance down.

If you like to go fast in a vehicle, become an annual pass member of a nearby theme park, because you won’t like the results on your New Orleans car insurance if you get caught speeding frequently. Speeding is dangerous because you have less control of your vehicle and it takes you longer to stop if you need to suddenly. Dangerous driving means you are a dangerous driver, and insurance companies charge more for insurance coverage for dangerous drivers.

Speeding Fines in New Orleans

In addition to the increased New Orleans car insurance premiums if you get caught speeding over and over again, you will also be facing a separate set of fines from the city. From the New Orleans Traffic Court website, you can expect to pay the following:

• Speeding 1-9 miles over $157.00
• Speeding 10-14 miles over $257.00
• Speeding 15-20 miles over $282.00
• Speeding over 20 mph Court Appearance

Speeding School Zones

• Speeding 1-9 miles over $157.00
• Speeding 10-14 miles over $257.00
• Speeding 15-20 miles over $282.00
• Speeding over 20 mph Court Appearance

The Minimum New Orleans Car Insurance

If you are looking for ways to save money because of your speeding fines and resulting insurance rate increases are more than you can handle right now, you always have the option of decreasing your New Orleans car insurance. You only have to legally carry 10/20/10 in liability for car insurance to be able to legally drive.

However, we do not recommend only carrying the state minimum requirements because it may not provide you with enough protection if you ever were in a car accident. But, the State of Louisiana has made it a state law that 10/20/10 is all that you have to have for your New Orleans car insurance.

For those that don’t understand what 10/20/10 means, this is how it breaks down:

• 10 = $10, 000 in liability coverage to pay for the medical expenses of a person you injure in a car accident
• 20 = $20,000 in total liability coverage for an accident in the event that you injure more than one person.
• 10 = $10,000 in liability coverage that pays for the physical damage done to another person’s property by you in a car accident.

So that is one way to decrease your expenses, but we would highly recommend finding something else to cut back on other than your New Orleans car insurance.