Cheap Kentucky Auto Insurance

It always helps to know the law if you’re looking for cheap auto insurance in Kentucky. Under state law, insurance companies may exclude a driver in your household from inclusion on your auto insurance policy. In fact, the auto insurance company may make this request for persons with a poor driving history which pose a higher risk. A college student who lives away from home and does not have access to a vehicle may be excluded. If a driver is excluded from the policy, they have no liability coverage but you still have the liability exposure if they drive one of your vehicles and get in an accident. All exclusions must be stated in the exclusion section of your policy with the list of all the situations your insurance company will not cover.

Some insurance companies will give you better rates if you insure for more than the state mandatory minimums, which could help out as you’re looking for cheap auto insurance in Kentucky. Lack of prior insurance coverage due to never owning a car cannot be held against you as long as you have never violated Kentucky’s mandatory insurance laws.

The state of Kentucky allows insurance companies to check your credit history when they set your premiums and determine whether they will insure you, and what they find can play a part in acquiring cheap auto insurance in Kentucky. The company may ask you to explain any bankruptcies, judgments, or credit problems. Insurance companies will not use your credit history alone to determine the insurability or set the premium rates for their clientele. The insurance company will also use other criteria such as your driving record, age, type of vehicle you drive and the area where you live to determine your premium rates.

Kentucky is a Choice No Fault state, which means you can choose to use the No Fault system or you can choose to use the Tort system for mandatory liability insurance coverage. Under the Tort system you can be personally sued for injuries, deaths, and damages beyond the amounts your insurance policy covers. Under the No Fault system, you can only be sued for severe injury and death which is determined by the courts. Understanding the difference between these two factors can determine whether you’ll receive cheap Kentucky auto insurance or not. The No Fault insurance will pay up to $10,000.00 for lost wages, medical expenses, and replacement services. You may choose to purchase higher coverage for your No Fault policy.

The average insurance premium in Kentucky averages about $739.00 and has the 28th most expensive auto insurance premiums in the nation as of 2006, making it relatively easy to obtain cheap Kentucky auto insurance. The lowest premiums available in Kentucky are offered to the 68 year old male widower by United Services Automobile Association with a premium price of $598.00 for the annual premium. This company also offers the lowest rates across all three categories. On the other hand, the 40 year old male with a wife and teenage daughter receives the highest premium rates with a $26,222.00 annual premium accessed by the Sagamore Insurance Company. This company has the highest premium rates across all three categories. There are 99 major insurance companies which have met the qualifications to sell auto insurance in the state of Kentucky.

Some things you can do to assure you’ll get the best rates for cheap auto insurance in Kentucky. Some of these include maintaining a clean driving record and drive a vehicle with a good safety rating. Other things that can affect your insurance are the area where you live and work and the traffic volume in that area. If you have a teenage driver, it may be less expensive to include them on the family policy. Stress with them the importance of maintaining good grades and a clean driving record as these will help to defray the cost of premiums.
Your age, the age of your car as well as its condition and the type of vehicle you drive, your gender, and your marital status will play a factor in the cost of your auto insurance premiums, making up one of the more controversial rules, but still something that may help you get cheap auto insurance in Kentucky. It may also help to be aware of the most popular models targeted by car thieves. The list below is from 2006 for the state.

1. 1997 Chevrolet C/K 1500 Pickup (full size)
2. 1997 Ford F150
3. 1991 Toyota Camry
4. 1986 Chevrolet Caprice
5. 1991 Chevrolet Cavalier
6. 1987 Oldsmobile Cutlass
7. 1994 Ford Taurus
8. 1995 Jeep Cherokee/Grand Cherokee
9. 1998 Chevrolet Blazer
10. 1996 Ford Explorer

Even with these cars being targeted by thieves, you’ll still see a lot of benefit in using our free quote tool. We’ve been responsible for a plethora of people receiving the cheap auto insurance policy that they wanted. Our tool is, and will always be, 100% free. Give it a try and enjoy the savings!

Useful links:
Kentucky Division of Motor Vehicles
Kentucky Division of Insurance
Kentucky Department of Revenue

Bodily Injury Liability Per Person: $25,000.00 Limit
Bodily Injury Liability Per Accident: $50,000.00 Limit
Properpty Damage Liability Per Accident: $10,000.00 LImit
or Single Limit Plan: $60,000.00
No Fault PIP: $10,000.00 Limit



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