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Auto Insurance in Metairie and New Orleans
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Protecting You on the Road
Required Coverage with Local Know-how
Louisiana requires liability coverage, and driving in Greater New Orleans can be costly without the right policy. Louisiana drivers face some of the highest car insurance costs in the country, so Granen Insurance shops multiple carriers to find strong value for Metairie, Kenner, Lakeview, and Uptown. We help you balance price and protection, then keep your policy updated as life changes through Personal insurance.
Coverage Options
Build a Policy That Fits
Liability covers injuries and property damage you cause. State minimums are low for real-world claims, so we often recommend higher limits. Collision pays for repairs to your vehicle after an at-fault crash. Comprehensive covers theft, fire, hail, or flood damage, which matters in Orleans and Jefferson Parishes. Uninsured and underinsured motorist helps if the other driver cannot pay. Medical payments can assist with immediate medical bills. Add-ons can include rental reimbursement, roadside assistance, new car replacement, and coverage for custom equipment.
Discounts and Savings
Ways to Cut Your Premium
Bundle auto with home for a multi-policy discount, ask about safe driver and telematics programs, set higher deductibles you can afford, and list good students in your household. We will check each carrier’s credits and coordinate with Homeowners insurance if you are ready to bundle. For higher liability needs, consider an extra layer with Umbrella insurance to protect assets after a serious crash.
Louisiana Driving Risks
Plan for Local Realities
Heavy rain, flood-prone streets near the lakefront, and higher theft rates in some neighborhoods can raise risk. Comprehensive coverage is the only part of an auto policy that covers flood damage to your car. We explain how deductibles work for glass and storm losses and help you choose limits that make sense for New Orleans and Metairie commuting patterns.
FAQ – Auto Insurance
Straight Answers for Louisiana Drivers
What are the state minimums?
Basic liability is the legal minimum, but we recommend higher limits to better protect your finances.
How can I lower my rate?
Keep a clean record, bundle policies, complete driver training, and let us compare carriers for you.
Do I need uninsured motorist?
Yes, it is important in Louisiana and cannot be added after a loss. We include it unless you reject it in writing.
Drive with Confidence
Reliable Car Insurance for Louisiana Drivers
From liability to comprehensive coverage, Granen Insurance helps you find an auto policy that protects your vehicle—and your peace of mind—on every trip.