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Old 04-19-2017, 10:40 AM
 
8,232 posts, read 4,599,053 times
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I moved back here to house hunt from Dallas, Texas. I have Honda Fit 2011. Paid $900/yr in Dallas. Retired, 3,000 miles a year or thereabouts, no accidents or speeding tickets.

Getting quotes here in Lake Charles has been a stressful experience! Does EVERYONE pay these rates in Louisiana? I got a quote for $1,374 from Allstate, $1,500 from Liberty Mutal. WTH? I got a Progressive policy for $900/yr, so went with that. This is full coverage 50/100, standard deductibles.

BUT the catch-22 is when I get homeowner's insurance here (rates are through the roof because this is a natural disaster area), you have to pay much higher rates unless you have your car insurance with them. Progressive does not sell HO insurance here, because it's zoned a natural disaster area.

Does EVERYONE pay these sorts of rates for car insurance? (My dad pays high rates because he and wife have had some fender benders; my brother says he pays about $900/yr....but I suspect he might be fibbing; he often likes to make things sound better than they are, so it's hard to know).
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Old 04-19-2017, 11:46 AM
 
Location: Denver
14,353 posts, read 20,788,168 times
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We pay the highest in the nation, so unfortunately yes.
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Old 04-21-2017, 10:14 AM
 
352 posts, read 295,811 times
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Insurance Carrier: Progressive, EMERALD member 10+ consecutive years with company
Location: Lake Charles, LA
VEHICLES: 2000 Ford F250 7.3L Diesel & 2012 Acura TL
Owner History: Single unmarried 39 y/o male, no criminal misdemeanors or convictions, no traffic violations for 15 years, property owner

6 Month Renewal History:
2/7/2017 Progressive.com Renewal $1,009
8/7/2016 Progressive.com Renewal $940
2/7/2016 Progressive.com Renewal $888

Last edited by rgathrights; 04-21-2017 at 10:15 AM.. Reason: forgot to add car
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Old 04-23-2017, 10:03 AM
 
8,232 posts, read 4,599,053 times
Reputation: 17267
Quote:
Originally Posted by rgathrights View Post
Insurance Carrier: Progressive, EMERALD member 10+ consecutive years with company
Location: Lake Charles, LA
VEHICLES: 2000 Ford F250 7.3L Diesel & 2012 Acura TL
Owner History: Single unmarried 39 y/o male, no criminal misdemeanors or convictions, no traffic violations for 15 years, property owner

6 Month Renewal History:
2/7/2017 Progressive.com Renewal $1,009
8/7/2016 Progressive.com Renewal $940
2/7/2016 Progressive.com Renewal $888
Thanks! I got Progressive, too. Normal rates.

However, to get homeowner's insurance, Allstate requires you get auto with them, and they are almost double the rates of Progressive. Others will sell you HO ins. as a standalone, but if you don't also give them your auto, their HO rates are sky high. Like almost $2,800 for a 2000 sf brick house built after 2000. Outrageous.

The only other option is to go with a lesser ins. co. for HO and keep Progressive auto. Progressive doesn't sell HO ins. here.

This is very upsetting. Makes me want to settle down somewhere else. But this is a high claims area, so it is what it is.
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