kentucky insurance

kentucky insurance

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.

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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Kentucky Auto Insurance – Minimum Coverage Amounts and Tips to Reduce Premiums

Posted on October 24, 2018 in Uncategorized

Auto insurance is a legal requirement for motorists in every state in the US. But, on close examination, you will quickly see that mandatory minimum requirements vary from state to state, and the whole process can appear rather confusing. Drivers may also be confused as to how to obtain the very best deal on their auto insurance premiums. There are several universal factors to take into account regarding this, but first, let’s acquaint ourselves with the minimum legal coverage requirements for Kentucky.

The minimum levels are set by the government, and there is nothing you can do to alter this. In Kentucky, this means you must carry a minimum of $25,000 for single bodily injury, $50,000 for total bodily injury, including death-as well as $10,000 of coverage for property damage resulting from any accident you cause.

Motorists in Kentucky may also opt to take out something called ‘The Single Limit Plan. This plan provides coverage for liability up to $60,000.

Drivers should also consider whether making initial savings on cover are worth the long-term risks. For example, uninsured/underinsured coverage is not a legal requirement in Kentucky, it may well be worth considering some level of coverage. It ensures that you will receive support in case an accident exceeds your minimum liability coverage.

There are other practical steps you can take to ensure that you are not paying excessively for your premiums. The first point, especially for first-time buyers, is don’t accept the first quote you are given. There are many different insurance companies, and all of them evaluate applicants according to different criteria ratings. As a result, you will very likely get 6 different quotes from 6 different companies. So shop around and don’t settle until you are happy.

Also, another factor that is well within your control is to make sure that you maintain a clean driving record, as most insurance companies place significant weight on this. A good record over a long period will mark you out as a low risk, and you will therefore get a low rate. Make sure also that you pay your premium well before the due date, and also do the same with other bills, especially credit cards, as your credit history will also be a determining factor in the amount you will pay for a premium. Be sure to search online for all options available to you to find the lowest rates possible and ensure that you’re able to take advantage of these discounts and get the best deal for your money each month.

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