kentucky insurance

kentucky insurance

Where to Get Cheap Kentucky Automobile Insurance

Posted on November 14, 2018 in Uncategorized

Kentuckians pay on average more than $900 a year for automobile insurance, and most are paying too much. Here’s how to get cheap Kentucky automobile insurance with a reputable company.

Kentucky Automobile Insurance Requirements

Kentucky is a no-fault state, meaning that your insurance company will pay for your injury claims, up to a certain amount, no matter who caused the accident. Kentucky auto insurance laws state that you must carry the following minimum amounts of liability insurance to drive in the state:

1. $25,000 worth of bodily injury liability coverage to pay for the other person’s medical bills when you’re found to be at fault in an accident.

2. $50,000 worth of bodily injury liability coverage to pay for all other persons’ medical bills when you’re found to be at fault in an accident.

3. $10,000 worth of property damage liability coverage to pay for damage to the other person’s car or personal property when you’re found to be at fault in an accident.

The above liability insurance is all the law requires. However, if you want full protection you should include the following coverages in your policy:

Collision– pays for repairs to your car after an accident, regardless of who was at fault. If you’re financing or leasing a new car your dealer will require this insurance.

Comprehensive – pays for repairs to your car after it’s been damaged by anything other than a collision – fire, vandalism, theft, storms, or hitting an animal. This coverage, too, is required by most dealers.

Personal injury protection – pays your medical bills and your passenger’s medical bills after an accident.

Uninsured motorist – pays for damages to your car when the accident was caused by uninsured, underinsured, or hit-and-run drivers.

Cheap Kentucky Automobile Insurance

To insure that you’re getting the cheapest rate with a reputable company, visit an insurance comparison website. There you can get multiple quotes from A-rated companies so you can compare them and choose the best one.

The best of these sites have an articles section where you can get more money-saving tips, and an online chat feature where you can get answers to your questions from an insurance expert (see below).

How To Get The Best Rates on Health Insurance in Kentucky

Posted on November 8, 2018 in Uncategorized

If you have health insurance in Kentucky you’ll be glad to know that your coverage cannot be cancelled if you happen to become ill. Kentucky is one state that has laws in place that guarantee renewal for individuals buying health insurance. If you’re currently in the market for a policy, you’ll likely be more interested in which company can offer you the best rates.

The easiest way to find the best rates on any type of insurance product is to do some comparison shopping. To do this you need to contact several of the companies within the state that offer health insurance policies. Be very specific about the type of coverage you seek and ask them about any discounts they may be offering. Ensure that you are very clear on the length of the term being offered by each insurer so you can then compare the pros and cons of each to reach an informed decision.

Although each company will typically offer slightly different discounts you’ll want to also keep in mind that some types of coverage just may not be necessary. If you have a college age child you may be able to remove them from the policy which will ultimately result in lower rates. Only do this if the child is able to secure low cost health insurance through their college though.

Dental care is an optional type of coverage that many people add directly onto their health insurance plan. This isn’t always the best choice as you may be able to find a less expensive dental policy with another company. It’s a good idea to ask for a quote based solely on the health insurance you needs, sans any dental, vision or chiropractic insurance. Any of those extras can be added on after the fact when your budget can allow it.

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How to Get Cheap Automobile Insurance Online in Kentucky

Posted on November 1, 2018 in Uncategorized

Kentucky is one of twelve states that have no fault automobile insurance laws. This means that every driver in the state is expected to carry automobile insurance. Unfortunately this isn’t always the case, so it’s up to each driver to ensure that they do purchase enough coverage for their individual situation.

Cost is always a huge consideration when it comes time to find car insurance. You can find cheap automobile insurance online in Kentucky if you feel comfortable using a computer and you are aware of exactly what type of coverage you need.

If you drive an older car in the state, you may want to consider just taking out a bare bones policy. This type of policy provides the minimum state required levels of liability coverage. The majority of older automobiles aren’t worth a great deal so taking out collision or comprehensive coverage just isn’t a smart decision in terms of finances.

Newer car owners will need to approach their online automobile insurance search with a different mindset. They need to protect their investment so collision and comprehensive coverage are essential. This is particularly true if the vehicle is financed as it’s very often a requirement of obtaining a loan.

There is a way of saving on insurance costs for late model cars and trucks though. Taking out a higher deductible will bring the premium cost down. When you seek out online quotes make note of this by requesting a deductible that is over the basic $250 or $500 mark. Even raising it to $1,000 can make a large difference in the price of the annual premium.

Many new cars come with a global positioning system device built right in. Some insurance companies are now recognizing the value in this and are offering a discount to drivers who do have these vehicles. You may also qualify for a discount if you’ve installed your own car security system in the car. Study all the available discounts when you do your online search for insurance so you can make the most of the ones that apply to your situation.

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