Auto, motorcycle, and boat insurance should be straightforward, flexible, and built around your lifestyle. We help drivers and recreational vehicle owners across Louisiana and the Gulf South find the right balance of protection and affordability.
Auto policies offer multiple coverage options. Your policy can be customized to fit your financial situation and level of protection.
Whether you are commuting daily, riding for fun, or spending time on the water, the right insurance makes all the difference.
Liability is the foundation of your auto policy and is required by the state. If you are at fault in an accident, this coverage pays for bodily injury and property damage to others. It will provide legal defense if a claim or lawsuit is filed against you.
Comprehensive coverage protects your vehicle from non-collision events such as:
Collision coverage pays for damage to your vehicle if you are involved in an accident, regardless of fault. This includes collisions with other vehicles or objects.
Claims are paid based on the actual cash value of your vehicle at the time of the accident.
Medical coverage helps pay for medical expenses for you and your passengers after an accident, regardless of fault. It may also apply if:
This coverage protects you if the at-fault driver:
It helps cover medical expenses, injuries, and damages for you and your passengers.
If your vehicle is not drivable due to a covered claim, rental reimbursement helps cover the cost of a temporary vehicle.
Coverage is based on a daily rate you select, and many insurers have pre-negotiated rental agreements.
Available with comprehensive or collision coverage, this option includes:
Covers permanently installed upgrades and aftermarket additions that are not included by the original manufacturer.
Your deductible directly affects both your premium and your financial responsibility during a claim.
Example:
If your deductible is $500 and repairs cost $2,500, your insurance pays $2,000 after your deductible is applied.
Choosing the right deductible means balancing your monthly budget with your ability to cover costs in the event of an accident.
Motorcycle, boat, and ATV insurance policies offer similar protection options, including liability and physical damage coverage.
It is important to note:
Your homeowners policy does not cover liability for these vehicles. Separate coverage is required.
Elite Insurance can customize a policy to match how and where you ride or operate.
Discounts may be available when you bundle multiple policies, such as auto and homeowners insurance. Bundling can simplify your coverage while reducing overall costs.
