Some individuals in Kentucky have taken to selling fake insurance cards to unsuspecting consumers. These consumers are then unwittingly unprotected in the event that they are involved in a collision or their car gets stolen. The best way to ensure that the insurance company and agent you are considering purchasing a policy from is legitimate is to contact the Consumer Protection Division of the Kentucky Office of Insurance. They will be able to tell you whether the agent and company are licensed to sell car insurance in the state.
Before you are ready to actually purchase a policy you need to research all of the available alternatives. This is really the best approach if you want to save money and get discount car insurance in Kentucky. It’s suggested that you ask for quotes from at minimum three different Kentucky car insurance companies.
When inquiring about quotes also ask about any available discounts. Most car insurance companies offer standard discounts that include those for having a car alarm installed, a discount for parking your car in a locked garage, and also a low mileage discount. The latter applies to individuals who drive their car only periodically or just a short distance each day. Each insurance company in Kentucky will have a maximum number of miles you are allowed to drive per year in order for you to qualify for this particular premium reducing discount.
Your driving history and the driving histories of the people you want insured with you on the policy is also relevant. If you’ve been cited for speeding infractions in the past or if you’ve been at fault in more than one accident in recent years, you are likely to be penalized with a higher premium. For this reason always be aware of your speed and keep your eyes on the road at all times. The better a driver you are, the lower your insurance costs.