How much is car insurance in Louisiana per month?

Yes, Farmers will pay for windshield replacement or repair services for customers who have comprehensive coverage, though a deductible will apply unless state laws or policy details say otherwise. Comprehensive insurance from Farmers covers windshields damaged by weather, vandalism and theft, among other things.

In some states, specific laws govern whether customers will need to pay their deductible for windshield repairs or replacement. For instance, in Florida, Kentucky, and South Carolina, insurers cannot charge a deductible for windshield repairs or replacement. Additionally, insurance companies in Arizona, Connecticut, Massachusetts, Minnesota and New York must offer a "full glass coverage" policy that allows customers to choose a $0 deductible for glass repairs.… read full answer

On the other hand, if the windshield was damaged in an accident and the policyholder was at-fault, Farmers customers can file a collision claim, though their exact policy details will determine if they need to pay a collision deductible. And if the policyholder was not at-fault, the at-fault driver’s liability insurance should cover the damage without a deductible.

If you’re not sure whether you will need to pay a deductible for windshield replacement, you can check your policy details or call Farmers’s customer service line at 1 (888) 327-6335. To file a claim for windshield repair or replacement, you can use Farmers’s online portal.

You can get car insurance without a license from some small local insurers, if you exclude yourself as a driver on the policy and list a licensed family member, friend, or caretaker as the primary driver. It’s possible, with some effort, to insure your car so someone else can drive it.… read full answer

Why You Might Need Car Insurance Without a License

• Your license is suspended and you need to file an SR-22 or FR-44 to reinstate it
• You only have a learner’s permit
• You are insuring a collectible vehicle that you won’t drive
• You own a car that is driven by a caregiver or chauffeur
• You need to co-sign a policy for an underage driver

How to Get Car Insurance Without a License in 4 Steps

1. Contact regional insurance companies or a local independent agent.

Focusing on smaller companies will give you the best chance of finding coverage as an unlicensed driver. Most national companies will not insure you without a license. The risk is too high, in their eyes, that you will drive the car yourself.

2. List yourself as an excluded driver on the policy.

This is a legal statement that, as an unlicensed driver, you are not going to drive the car. Note that if you do drive illegally and get into an accident, the insurance company will not cover any claims. If you get or regain your license while the car is insured, you must notify your insurance company and provide your new license number before you are legally insured on the policy.

3. List the person who will operate the vehicle the most as the primary driver on the policy.

This can be a spouse, family member, roommate, caretaker or friend. They may live with you or not. They must, of course, have a valid driver’s license.

4. List the primary driver on your registration as part-owner.

Try this step if you can’t find any company that will insure the car for you without a license. There should be no trouble insuring the car with a licensed driver listed as co-owner.

If no one is going to drive the car, but you want to protect it against accidental damage while it’s stored, you have the option of purchasing comprehensive-only or parked-car coverage. You will have to cancel your registration and turn in your plates to do this, but it is cheaper than buying a policy that also offers liability coverage. This type of insurance is offered by many national firms such as Allstate and State Farm.

Full coverage auto insurance does include both "comprehensive" coverage and "collission" coverage. Collision coverage pays for damages caused by crashing into another vehicle or object or another vehicle crashing into you. Comprehensive coverage pays for damage to your car caused by things other than collission, such as:

• Theft
• Vandalism
• Fire
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• Flood
• Wild animal strikes
• Natural disaster

Although you may be able to purchase comprehensive coverage without collision (such as for a garage-kept collector car), most companies will not sell you collision coverage if you do not also purchase comprehensive coverage.

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