With today's competitive market, InsureMe realizes the complexity of shopping for Kentucky auto insurance.
That's why InsureMe is here to answer your questions and provide you with up to five free quotes for Kentucky auto insurance.
Don't wait for that unexpected fender bender—start shopping today!
What will Kentucky auto insurance do for me?
A Kentucky auto insurance policy will protect you from financial loss in the event of an automobile accident.
Your Kentucky auto insurance policy is a contract between you and your insurer which states that in exchange for paying the premiums, your insurer will pay for any losses or damages as outlined in your policy.
Am I required to buy Kentucky auto insurance?
According to the Kentucky Department of Insurance, all motorists are required to carry liability coverage in the amounts of 25/50/10. This translates as:
It is important to understand that these are the minimum requirements for the State of Kentucky. Purchasing the minimum amount of coverage may be inexpensive, but it may not be enough to protect you and your assets if someone brings a claim against you.
What can I do if I was turned down for Kentucky auto insurance?
If you are unable to obtain Kentucky auto insurance in the normal market, you may be able to receive coverage through the Kentucky Automobile Insurance Plan, or KAIP. In order to qualify for KAIP, you must:
For more information on the KAIP Plan, contact the Kentucky Department of Insurance at (502) 327-8909, or (800) 222-7702.
Will my credit history determine my rates for Kentucky auto insurance?
Yes; most companies will use your credit history to determine your insurability.
However, it is important to note that your Kentucky auto insurance company may not use your credit history to decline or refuse to renew your Kentucky auto insurance policy.
Are there other ways to save on my Kentucky auto insurance?
The Insurance Information Institute suggests the following ways to save money on your Kentucky auto insurance:
Ask about discounts. Insurers often give discounts for maintaining a good driving record, insuring more than one automobile under your policy, and driving an automobile with anti-theft devices.
Raise your deductible. Increasing your deductible may substantially impact your premium - for the better.
Check out group coverage. You may receive discounted coverage through your employer or other groups. Be sure to ask your employer or group leaders if such coverage is available.
The Number One Way to Save on Kentucky Auto Insurance is to Shop Around!
Many insurance companies offer similar coverage for very different rates. The only way to make the most of your dollar is to compare rates of insurance companies in your area.
InsureMe is here to help. By entering your information to the right, we will provide you with up to five free quotes for Kentucky auto insurance in your area.
Don't wait for that unexpected accident! Start saving on Kentucky auto insurance today!