Kentucky Auto Insurance Online |
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 With the help of OnlineAutoInsurance.com, you no longer have to make time consuming phone calls to compare auto insurance rates from different companies! Simply complete the following quick questionnaire and instantly compare up to 10 quotations from 15 leading carriers. | 
Getting the cheapest auto insurance rates can be accomplished by doing the following:
- Take advantage of OnlineAutoInsurance.com's comparison services in order to find which company will offer the lowest rates.
- Experiment with different types of coverage. Adjusting the coverage can sometimes significantly make a difference in price. Raising the deductibles for physical damage, commonly referred to as "full coverage", can help cut premiums. Take time experimenting with different types of policies. Quotes are free so get as many as you'd like. Start by determining how much protection is needed and get quotations accordingly. If you need help on learning about coverage, visit our learning center.
- Taking advantage of discounts you may be eligible for can also help cut down the costs of insuring a vehicle. Remember that a student with good grades may qualify for a bit of a price break. If your vehicle has an anti-theft tracking device, you may present the certificate provided for a possible discount. One discount that many drivers fail to take advantage is the low-mileage discounts. If you drive your automobile a low amount of mileage per year, say 5,000 miles/year, you may fall into a low driver category therefore reducing rates. By all means, if you qualify for savings, take them.
- Some things you may not be able to do much about instantly is driving record violations, accidents and negative credit history. Those are all factors that insurers take into consideration for pricing; however, what you can do is to take precautions to avoid future traffic violations and either keep a clean record, or work on getting one. Within three years of a good driving history, you should get good driver discounts and rake in the savings. Also, cleaning up credit history, or maintaining a clean one will work to your advantage.
| Kentucky Auto Insurance LawThe KY automobile laws can get a bit confusing because it mandates liability coverage and gives the option of buying or rejecting Personal Injury Protection as explained in this article: "Buying vs. Rejecting Personal Injury Coverage"
Below are the requirements of staying insured for vehicle registration and compliance with the law:
| Required Auto Insurance Coverage in Kentucky: |
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| Liability Coverage | $25,000 - Bodily Injury coverage to others on a per person basis. | | $50,000 - Bodily Injury coverage to others on a per accident basis if more than one person injured. | | $10,000 - Property Damage coverage for other's property as a result of damages where you are held liable as a result of an automobile accident. | Personal Injury Protection
(PIP) | $10,000 - Provides the policyholder with coverage up to the policy limits for medical expenses, loss of wages, and other related injuries regardless of who is at fault and even if there is negligence involved. This coverage may be legally rejected by signing and filing a form with the Department of Insurance. |
Although the above policies are the minimum requirements, keep in mind that it does not provide any compensation for your injuries (unless choosing not to reject PIP) or property. Consider purchasing additional coverage when making Kentucky auto insurance comparisons so that you won't regret it in case of a loss. Some options may be relatively inexpensive to your surprise. Quote all kinds of coverage to see if it fits your budget and your needs.
Failure to comply with these regulations can lead to expensive fines and/or suspension of your automobile's registration. It's definitely cheaper to drive with insurance than without because of the costs involved as a result of accidents and violations.
| | If you're a student, see the auto insurance tips for Kentucky college students provided by http://www.Kentucky.gov/ |
The Kentucky Department of Insurance provides helpful free publications such as the Kentucky Auto Insurance Consumer Guide as well as other insurance consumer pages. You can also sharpen your knowledge by visiting our learning center.
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