Choosing your insurance is like buying a car. You want the right one at the best possible price. That's what drives us at ISU MidSouth Insurance. Protection you expect, savings you want and loyalty you deserve.

What is Auto Insurance?

The basic principle behind auto insurance is to cover the costs of injuries or damages resulting from traffic accidents and to protect vehicles against other inconveniences such as theft and vandalism. There are many different types of coverage, and each one compensates the policyholder in a unique way.

What are the types of auto insurance available?

Liability auto insurance pays up to the specified limits and limitations of bodily injury and property damages incurred by third parties if the insured is found liable as a result of an automobile accident. Without coverage, the liable party would be responsible for paying the third parties' damages and may be forced to pay from the equity of a house or vehicle. Having this type of protection helps in the event of unforeseen accidents and the associated costs. It is required by law to have liability insurance if you own an automobile.

Medical payments auto insurance portion of a policy is designed to pay some of the medical consequences that may result from an accident such as medical bills and/or funeral expenses up to the policy limit.

Uninsured motorist auto insurance not only insures against the "Uninsured motorist" but also protects policy owners against the "Under-insured motorist". Uninsured motorist coverage is optional; However, it is recommended that it be added to a policy in the best interest of the insured.

Comprehensive and collision auto insurance, also referred to as "Physical Damage", covers damage caused by anything "other than auto collisions." Some of the more common examples are theft, fire, vandalism, collision with animal, wind storm, flying objects, hail and broken windows.

Rental car coverage pays for the rental of a vehicle in the event the policy owner's vehicle is stolen or in an accident while the claim is settled.

Roadside assistance plans can vary depending on the company providing it. Typical coverage consists of 24 hour emergency towing service, 24 hour lost key and lockout service, 24 hour mechanical first aide, 24 hour emergency road service, 24 hour battery service, 24 hour tire service, theft and hit & run protection.

How can you save money

Some of the common discounts available are:

Multi-car:
This is having two or more cars insured with the same company.

Multi-line:
Similarly, this is having a vehicle and homeowners insured with the same company.

Good Driver:
Many companies offer discounts for those with a clean driving record.

Good Student:
Full-time students with a "B" average can receive a good student discount.

Paid in full:
Pay your premium in full at the start if every policy period.

What does Louisiana Law require of automobile owners?

Under Louisiana car insurance laws liability coverage must be carried on any automobile owned. This covers bodily injury and/or property damage that the insured is to be found liable for up to the policy limits. The minimum requirements are: