What Is Vehicle Insurance?

Vehicle insurance helps protect you financially if you’re involved in an accident, your vehicle is damaged, stolen, or you’re held legally responsible for injuries or property damage. Coverage varies depending on the type of vehicle, how it’s used, and whether it’s personal or commercial.

​

Policies differ based on:

• What you drive (car, truck, motorcycle, specialty vehicle)

• How it’s used (personal, business, delivery, hauling)

• Who drives it (individual, employees, multiple drivers)

• What risks you want covered (liability, physical damage, uninsured drivers)

That’s why one policy doesn’t fit everyone — and why we shop options for you.

 

Personal Vehicle Coverage Options

We help drivers protect a wide range of personal-use vehicles, including:

 

Everyday & Personal Vehicles

• Auto Insurance – Cars, SUVs, pickup trucks

• Motorcycle Insurance

• Classic & Collector Car Insurance

• ATVs, UTVs & Off-Road Vehicles

• Golf Carts

• Low-Speed & Specialty Vehicles

 

Recreational & Specialty Vehicles

• RV & Motorhome Insurance

• Travel Trailers & Campers

• Watercraft & Boat Insurance

• Snowmobiles & Specialty Recreational Vehicles

 

Commercial & Business Vehicle Coverage

If a vehicle is used to make money — even occasionally — personal auto coverage may not be enough.

 

We provide coverage for:

• Commercial Auto Insurance

• Work Trucks & Service Vehicles

• Contractor & Trades Vehicles

• Delivery & Transport Vehicles

• Commercial Trailers

• Fleet Insurance (multiple vehicles under one policy)

 

Whether you operate one truck or manage an entire fleet, we design coverage that protects your vehicles, drivers, and business operations.

 

Liability, Physical Damage & Required Coverages

 

Liability Coverage

Pays for bodily injury and property damage if you’re at fault in an accident. This is required by law and protects your assets if you’re sued.

 

Collision Coverage

Helps pay to repair or replace your vehicle if it’s damaged in a collision — regardless of fault.

 

Comprehensive Coverage

Covers non-collision losses such as theft, fire, vandalism, falling objects, or weather-related damage.

 

Uninsured / Underinsured Motorist Coverage

Protects you if you’re hit by a driver who has little or no insurance — a common risk on Louisiana roads.

 

Optional & Enhanced Vehicle Coverages

 

Depending on your needs, additional coverage options may include:

• Medical Payments Coverage

• Personal Injury Protection (PIP)

• Rental Reimbursement

• Roadside Assistance & Towing

• Gap Insurance

• Hired & Non-Owned Auto Coverage (for businesses)

 

We help you decide what’s useful — and what’s unnecessary — based on how you actually drive.

 

How Much Does Vehicle Insurance Cost?

 

Vehicle insurance pricing depends on several factors, including:

• Vehicle type, age, and value

• Driving history and claims

• Usage (personal vs business)

• Coverage limits and deductibles

• Number of vehicles and drivers

 

We compare multiple carriers to help you find coverage that’s affordable, compliant, and protective — not just cheap upfront.

 

Protect the Vehicle — and Everything Attached to It

A vehicle accident can trigger medical bills, lawsuits, lost income, and long-term financial stress. The right insurance helps prevent one bad moment from becoming a financial setback.

Whether you’re insuring a personal car, a weekend ride, or a fleet of work vehicles — LA Rural Insurance Group is here to help you drive forward with confidence.

 

Contact us today to build vehicle insurance that fits your life, your work, and the roads you travel every day.