Cheap Car Insurance Shreveport Louisiana LA
Reader’s Question:
I got a really cheap, second-hand car here in Shreveport, Louisiana recently. Do I still want to have car insurance on it?
Aberforth
Shreveport, LA
Regardless of how old a vehicle is or how much value it has, it is still a moving vehicle, and thus, by most state law, you will be required to get car insurance for your second-hand car there in Shreveport, Louisiana. Most states will even require proof of financial responsibility (car insurance) meeting state law before you can ever get that car properly registered. It is not really the monetary value of the said vehicle to be insured but rather, the potential of the said vehicle, more so since it was pre-owned and hence its mechanical condition debatable, thereby increasing the likelihood of casing or being involved in an accident that brand new models.
Don’t lose hope though, most car insurance policies are really a package of several types of insurance coverage so you don’t necessarily have to get all kinds of protection for the old car. You may choose to drop on the collision coverage (if it is really old and decrepit) since it might be too much of a hassle to repair than to replace. You, however, would definitely want to keep paying for Personal Injury Protection, Bodily Liability insurance and Property liability insurance. These three are essential in protecting you and make sure you’re covered in the event that you do get involved in a car accident.
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