How Does Auto Insurance Work?

Auto insurance is a contract between you (the insured) and the insurance company (the insurer). In exchange for financial protection from your insurer, you will need to pay a premium—usually every month. Depending on the policy you choose and a few other factors, you might need to pay a deductible to the insurer first before their financial assistance starts.

How Much Does Auto Insurance Cost?

The cost of your policy depends on various factors, such as the value of your vehicle, where you live, your driving accident history and other elements insurance agents consider when writing a policy. It is possible for two drivers to have identical policies but pay different prices for them.

Call Us (985) 329-2272 ☰ ˟

Houma: (985) 860-0556
Morgan City: (985) 329-2272
Patterson: (985) 395-3640

Auto Insurance

Q: What Does Auto Insurance Cover?

Most policies are highly customizable, so you can choose your coverage to fit your needs. Some common types of coverage include: comprehensive coverage, collision coverage, liability insurance, medical payments coverage, and uninsured/underinsured motorist coverage.

Auto Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Auto Quote Form

Auto Insurance Information

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Servicing Morgan City, Patterson, Berwick, Bayou Vista, Houma, Thibodaux, Franklin and surrounding areas

At Bruni Insurance, we help Louisiana drivers get appropriate auto insurance coverage. Our agents can help you shop for the best combination of coverage and price. Contact us today to start comparing auto insurance quotes.

What Does Auto Insurance Cover?

Auto insurance is a comprehensive tool to protect you, your passengers, and your vehicle. A typical policy includes several types of coverage.

Louisiana drivers must maintain minimum amounts of auto liability coverage. This policy may help pay to repair or replace third-party property you damage with your vehicle. It may also help cover accident-related medical expenses for the other driver and their passengers.

Depending on the policies and endorsements you choose, your auto insurance can also help cover damage to your vehicle. If you lease or finance your car, the lienholder may require full coverage auto insurance, including collision and comprehensive coverage.

Uninsured/underinsured motorist insurance can help cover your damages if you are involved in an accident with a driver who has inadequate insurance or who does not have liability coverage.

Louisiana drivers can also choose medical payments (MedPay) coverage to help cover accident-related medical costs.

Contact Us

Every driver is different, and at Bruni Insurance, we believe in providing a personalized approach. With Morgan City and Patterson offices, we’re deeply embedded in the local communities. We understand Louisiana’s auto insurance regulations and can help you get appropriate car insurance coverage.

Contact us today for a personalized auto insurance quote.

Coverage You Can Trust

We are an independent insurance agency that can handle all your insurance needs from automobile insurance to watercraft, as well as business insurance and life insurance. We will assess your coverage needs and suggest appropriate and affordable coverage solutions.

Low Prices

You expect affordable prices on auto insurance regardless of age, driving record, credit history, or vehicle. We can match you with an insurance company that wants your business. Don't go direct to just one carrier when we can shop multiple carriers for you in minutes.

Service is What We Do

We are here for you when you need us. In fact, we are here in your own town. Come on down and see us. We are looking out for your interests. We represent many insurance companies so we can find the one that is right for you.

Morgan City

1101 7th Street
Morgan City, LA 70380
Phone: (985) 329-2272
Fax: (985) 329-2290

Patterson

503 Main Street
Patterson, LA 70392
Phone: (985) 395-3640
Fax: (985) 395-5804

Houma

Phone: (985) 860-0556

Proudly serving Morgan City, Patterson, Jeanerette, Franklin, Berwick, Houma, Thibodaux, Raceland and all of South Louisiana's Insurance needs!