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.