Typically $2,000,000 GL is not bad at 3%-4%, $1,000,000 CA (Commercial Auto) is usually around 2%-3%, and Umbrella Insurance of $2,000,000 is also around 2%. So the rate your getting is actually pretty good, especially if your from out-of-state. Your lucky if you can find Work Comp. in Louisiana right now for less than about 8%.
The best approach is to find all of your insurance in your home state with a Louisiana endorsement. Check with your local insurance agents. I don't know if you'll find it any cheaper though.
