Posted on July 6, 2018
Anytime you get in your car and head out on the road you need to ensure that you have adequate car insurance in place. In Kentucky there were over 730 traffic accidents last year that involved fatalities. If you are at fault in one of these types of collision, you’ll need an insurance policy that will provide enough coverage to protect your assets and to help the family of the person lost in the accident.
The best method of finding low cost car insurance in Kentucky is to compare policies. Many people make the mistake of purchasing a policy from the first company they contact. Although this may be the best deal, you won’t be able to be certain unless you research prices from several different insurers. Gathering quotes should always be viewed as an essential part of the process of getting low cost car insurance.
Also be sure to ask for the same level of coverage with each company you contact for a quote. For instance, if you are interested in a policy that provides towing coverage, ask for this. However, if you are already a member of an automobile club, there’s a very good chance that you have towing coverage through them. It’s a worthwhile idea to check into that before purchasing a policy that provides it. You don’t want to double up on any coverage as this will only result in you spending more money than you need to.
Consider taking out an umbrella policy if you already have homeowner’s insurance. Many insurance companies in Kentucky will offer an umbrella policy that provides protection for both your car and your home. This is often the best method of obtaining low cost insurance. Check with your current home insurance company to get a price, and also ask for quotes from a few of their competitors just to guarantee that you can’t find a better deal elsewhere.
Posted on June 28, 2018
Low cost, high deductible insurance health plans are something you should learn more about before buying a new health insurance plan. At first, a high deductible insurance plan may seem a bit confusing. However, there are many benefits associated with this relatively new insurance plan.
Kentucky Low Premium Health Insurance Plans
Because of the rising popularity of (HSA) Health Savings Accounts, insurance companies have developed new insurance plans to work smoothly with an HSA. HSAs provide a tax-exempt way for you to save money for your health insurance plan deductible if and when you need it.
The new high deductible insurance plans have deductibles ranging from $1000 to $5000. After the deductible is met, the plan begins to pay 80 to 100% of medical costs. So, if you stay healthy for a number of years, this savings account could grow to well over the deductible amount of your insurance plan.
And, if you do need major medical attention, the most it will cost you is the amount of the deductible you have chosen. Because your monthly premium will be substantially lower than with other types of insurance, part of this savings can be automatically deposited into your HSA for future use, and the other part deposited into your pocket as savings.
Getting Health Insurance Quotes in Kentucky
One of the best ways to learn more about Kentucky health insurance is to go to an insurance quote website and request quotes. Immediately after you complete their short form, you’ll get several low cost HSA, HMO, PPO, and POS quotes while still online. After you have your quotes, you can compare plans and visit their websites for more detailed information.
Posted on June 21, 2018
In the state of Kentucky as long as your insurance company gives you 75 days notice, they don’t have to renew your existing automobile policy. If you find yourself in a situation like this, you’re going to want to start searching for a new insurance company at that time. One of the main concerns that most people have when it comes to auto insurance is how to find the best rates possible.
The first step to finding the best price on automobile insurance in Kentucky is to do your homework. It can be tempting to call up the insurance agent your friend or family member uses, but even if they received a great price, that may not be the case for you. It’s important to contact several companies that are licensed to sell this in Kentucky and ask each one for a quote based on the coverage you need. This will give you a detailed look at area prices and will allow you to do a price comparison before choosing a policy.
When you contact agents it’s also a good idea to ask them about any discounts the company they are representing offers. Most companies offer standard discounts including those for insuring more than one vehicle or safety discounts for items like air bags and anti-lock brakes. Each insurance company is unique though and the possible discounts that are available range from a senior’s discount to a reduction in premiums for someone who doesn’t do much driving each year.
You should also inquire about the deductible level when you are asking for a price quote for automobile insurance in Kentucky. If you drive a late model vehicle you’ll likely be looking at both collision and comprehensive coverage. These both have a deductible and if you request a higher than normal deductible, it will help lower your premiums, which saves you money.