Volume 11, Issue 2
February 2020


Our monthly newsletter addresses consumer insurance topics as well as timely information on issues affecting senior citizens in Louisiana.


To find out if Consumer Advocacy will be in your area or to request a speaker for your organization or group, call (225) 219-0619 or send an email to: [email protected]

Upcoming Events    

LDI Conference 2020

Date: March 4th & 5th
Time: 8:30 a.m.
Location: Crowne Plaza Baton Rouge Hotel 
4728 Constitution Avenue, Baton Rouge 


View Louisiana's Open Meetings Law on the legislative website by clicking here.

Insuring a Teen Driver

If you’re a parent who is going to add a teen driver to your auto insurance policy, ask your insurer what it will charge and then shop around to make sure you are getting the best deal and the coverage you need. Auto insurance rates for teens are usually higher because companies consider drivers under the age of 25 a higher risk. The following tips can help you make smart choices when insuring your teen driver:

Enroll your teen in a driver education course. Some insurance companies may offer a discount if a student has had driver training.

An inexpensive vehicle may be a better option. Auto insurance premiums will be higher for a sports car or SUV.

Review your policy regularly. Take a look at your coverage and deductibles. Is now a good time to cut costs by raising deductibles? Also, always make sure your information is up to date and accurate.

Check for discounts. Many insurers reward students with good grades by offering discounts to teens who maintain at least a “B” average.

Contact your insurance agent or company for a price quote. Remember the information you provide an agent determines your premium.

Medicare word graphic

Quick Facts: Medicare Advantage Open Enrollment

The Medicare Advantage Open Enrollment period runs January 1- March 31. You must be enrolled in Medicare Advantage to make any changes in coverage during this time. Here are a few things to keep in mind:

  • If you already have an Advantage plan, you can change to a different Medicare Advantage Plan.
  • You can drop your Advantage plan and return to traditional Medicare and sign up for a prescription drug plan.

If you need help understanding your options, our Senior Health staff can help. Call us at 1-800-259-5300.

Jewelry box

Insuring Your Big-Ticket Items

Valentine’s Day is only days away and it’s important to know your options when insuring fine jewelry. With most homeowners and renter’s insurance policies, jewelry is often included as a type of personal property you can insure. However, the coverage might not be enough. Even if your policy allows you to insure jewelry, many policies set a limit on the amount of coverage and might not protect against all incidents.

Review your policy or check with your insurance agent to find out the scope of your current coverage. If it is insufficient, purchase a separate policy for the item or add an endorsement onto your existing policy. You should also talk with your insurance agent or company about how a jewelry loss would affect your existing insurance premium. If it would increase your premium, it might make sense to purchase a separate policy.



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Office of Consumer Advocacy
(225) 219-0619 or (800) 259-5300

P.O Box 94214

Baton Rouge, LA 70804-9214
[email protected]