Posted on October 17, 2018
In Kentucky if you give someone permission to drive your vehicle, your insurance company is required to cover the damage should a collision occur. Although this is likely to give motorists in the state some peace of mind knowing that their car is protected when it’s being driven by a friend or relative, you should still be wary about lending it out. If the person you entrusted your vehicle to is involved in a serious accident you may suffer the consequences by seeing your premiums rise.
If there are other drivers in the home who borrow your car from time to time, it’s a good idea to put them on the policy too. In order to do that you need to provide any prospective insurance company in Kentucky with the additional driver’s name and driving history. You may think that adding someone on to your policy will cost more, but it’s usually a much better alternative than having each person in the household seek out their own coverage.
When it does come time to compare low cost automobile insurance in Kentucky, be sure to provide as detailed information as you can about the drivers who will be covered under the policy as well as the vehicles. Trying to hide a few speeding citations or collisions, doesn’t work. The insurance companies you approach will uncover this information and it will adversely affect your chances of having them underwrite a policy for you. This is true even if you decide to move from one state to another in an attempt to escape your sordid driving history.
Consider having a car security system installed in all your vehicles. Insurance companies pay out a large sum of money each year to cover automobile thefts. If you help discourage would be car thieves by using a car alarm, your insurance company will offer you a reduction off your premium. This alone will help bring the cost down.
Posted on October 11, 2018
For most people their automobile is the second largest purchase they’ll make, next to their residence. For this reason you want to ensure that you protect this investment. Just as you purchase homeowner’s insurance to protect your dwelling, you should be buying automobile insurance to protect your car, truck or SUV. If you are looking for a full coverage automobile insurance quote in Kentucky there are a few things to keep in mind.
All drivers in this state must have minimum liability coverage. This is required by law and if you’re caught driving without it you’ll be facing stiff penalties. It doesn’t offer nearly enough coverage for someone with a late model vehicle though. They need to consider a policy that covers all perils.
Collision and comprehensive coverage are a vital part of any full coverage automobile insurance quote. In the state of Kentucky, most consumers who do opt for this coverage purchase it with a deductible of $500. If you are in a position to be able to cover a higher deductible should the situation arise, you’ll find that you’ll be rewarded with lower annual premiums. This is a great way to offset the cost of this coverage, while still having the protection.
If you aren’t a member of an auto club, you’ll want towing and rental car coverage as part of your full coverage automobile insurance quote. Towing expenses can be costly and without insurance you’ll be required to pay them out-of-pocket. The same is true of rental cars, which are often required after collisions when your vehicle is in the repair shop. Adding these two types of coverage onto your full coverage policy won’t impact the cost that much and you’ll be thankful you have them should you ever find yourself in a situation where you need them.
Posted on October 4, 2018
The first thing you should look at when making car insurance quotations is the type of coverage being offered and the amounts of coverage. The best way to discover the best deal and get the quality coverage you need is to get quotes and make comparisons. This can easily be done by using the internet and the computer. If you haven’t used this method before you are in for a treat as it is speedier than going one hundred miles per hour.
It won’t take you long to discover there are many, many insurance companies that will appear on your computer screen. Some companies that are online are only licensed to provide coverage in one state or a limited number of states.
This is the first step when shopping on line. Look at their headlines and watch out for one that says serving a specified area. Most likely it will mean they aren’t licensed in your state if you don’t live in that area.
To narrow your search, you can enter your area with your car insurance quotations keyword. That is a great way to start. Some of the national and top companies will appear at the top of the search engines. They are licensed to provide coverage for drivers in most states if not all of them. These will probably be names you recognize.
The benefit of using one of these companies is by them being the top they offer more conveniences and have more advantages to their customers. The first being, they have full service websites that will allow you to handle your business with them from start to finish and everything in between. They have the convenience factor that makes doing business with them fast and easy.
Another benefit to top insurance companies is even though you can handle everything on the web, the typically have local offices in every state. In the event that you ever need to talk to someone face to face, expedite payment for a claim or anything else of a pressing nature, there is a means to do so locally.
The fastest way to get you car insurance quotations from these top companies is to go to at least three of the websites. They will each have an online form for you to complete that only takes a couple of minutes. They will obtain information about you, your car, and other bits of information to provide you with a variety of quotes.
This will help you get quotes from multiple companies to make a good comparison and determine what is best for you, your driving situation, and your budget.