Kentucky Auto Insurance

Posted by Harry Wagner

Does it seem impossible to find cheap car insurance in KY? Receive several free Kentucky auto insurance quotes just by entering your zip code at the top of this page.

People may not take their vehicles on the roads unless they have liability insurance. If they were to cause a collision, they would need to take financial responsibility for the damages. Most people do not have the finances to cover such a high possible expense, but a Kentucky car insurance policy would provide them with the funds they will need to cover these costs.

The Choice No-Fault System

In Kentucky, there is a choice no-fault system. This means that people can choose to follow the tort system or the no-fault system in the event that they are involved in a car collision. If they choose the no-fault system, they will need to purchase Personal Injury Protection (PIP) insurance that will cover their medical bills and their passengers’ medical bills no matter who caused the collision.

Under the tort system, the person who caused the collision will be determined, and this will be the person who will be responsible for covering everyone’s medical bills. If drivers are going to take part in the tort system, they are required to purchase the following liability coverage:

  • Bodily Injury Liability – At least $25,000 for one injured person and at least $50,000 if more than one person is injured
  • Property Damage Liability – At least $10,000 for each collision

The Easy Way to Find Affordable Auto Insurance Rates

Auto insurance in KY is hundreds of dollars more expensive on average than the amount people are paying nationally. However, it’s possible to find cheap car insurance KY by doing an online comparison search. When people do this, they receive several Kentucky auto insurance quotes in minutes for free. This means that they do not have to spend hours on their computers visiting each insurance company’s website one at a time.

Kentucky drivers must not purchase a Kentucky car insurance policy without seeking several quotes from several companies. One car insurance company may quote a very high rate for auto insurance coverage, but another may offer a surprisingly low rate. Kentucky drivers would never know that this could be possible if they do not enter their zip codes above and receive their several auto insurance quotes for free.

Some people may wish to increase the limits on their liability coverage. When they do this, they will also increase the price. Kentucky drivers do not have to leave themselves underinsured because they can compare quotes for an increased amount of coverage before they purchase the policy.

Other Ways to Lower Auto Insurance Premiums

Kentucky drivers can lower the amount they will need to pay for their auto insurance coverage by becoming a lower risk to their auto insurance companies. If they have tickets or DUIs on their records, they can take defensive driving courses for a discount. If they are driving a high-performance vehicle, they can trade it in for a safer car.