Posted on February 3, 2018
Unfortunately tornadoes are a way of life in Kentucky. Residents there are accustomed to these storms blowing through and they are also well aware of how important homeowner’s insurance is. Although most of us are deeply concerned about what would happen to our property or belongings after a severe storm or fire, the cost of such protection is also important. For this reason it’s a good idea to try and save money and get discount homeowner’s insurance in Kentucky.
Since statistics have been gathered in the 1800s, over 400 serious tornadoes have been reported in this state. Having homeowner’s insurance in place before this type of natural disaster occurs ensures that you’ll be able to begin rebuilding your life and replacing your belongings. If you don’t own a property and instead only rent a dwelling, you’ll still need a renter’s policy that will cover the cost of all your possessions. The building’s owner will be responsible for insuring the property itself.
There are several effective ways to save money on homeowner’s insurance. One is to purchase your homeowner’s and car insurance policies from the same vendor. Sometimes called umbrella policies, these types of coverage can offer as much as a 15% discount on both types of insurance. Even if you do receive this type of money saving deal, be certain you seek out additional quotes from competitors to be sure you are getting the best price possible.
Also, it’s always a good idea to avoid service fees by paying your premiums all at once. Many Kentucky insurance companies offer monthly payment plans that allow you to pay a portion of your annual premium each month. This is convenient but costly, so avoid it if you can. You may also qualify for a renewal discount next year when your policy comes due. Inquire about the possibility of this before initially purchasing the policy so you’ll know what to expect in the future.
Posted on January 27, 2018
Q: I just moved to Kentucky and have two quick questions. First, is auto insurance compulsory in Kentucky? Secondly, do you have any advice on how I can get the best auto insurance quote in Kentucky? Thank you.
A: Kentucky does require you to have an auto insurance policy for any vehicle being driven on a public road. Failure to obtain auto insurance is a criminal offense in KY and can result in loss of license plates, loss of drivers license, and hefty fines. Find the best insurance in Kentucky that you can and make sure your vehicle is insured.
To answer the second part of your question; we don’t endorse one insurance company over another. The best advice is to call multiple companies and choose the auto insurance quote in Kentucky that best suits your needs.
Remember, when choosing an insurance company that the lowest dollars amount is not always the best value. Choose a policy that offers the most amount of coverage you can afford. If the total dollar difference is close then go with the company that will offer you the most amount of coverage. Also be sure the company you choose is established so you can be reasonably certain they will stay in business.
Last but not least, one of the best things you can do is compare automobile insurance rates online from several different providers. Doing this will ensure that you are covered by the best policy at the lowest cost, and you might just be surprised at how much you can save on your premiums as a result.
Posted on January 20, 2018
Although most of us don’t want to consider the possibility that we may get sick, it does happen. In fact, many people are being diagnosed with serious illnesses each and every day and without adequate health insurance, they are forced to tap into their personal financial resources to try and pay for medical care. A much better alternative for residents of Kentucky is to find a discount health insurance plan.
Group coverage is the best way to find low cost health insurance in Kentucky. If you happen to work for an employer who offers it as part of your benefit package, take advantage of this. Not only does it offer the lowest premiums imaginable, there are other benefits too. One important benefit is that if you are covered under a group plan in this state you cannot be charged more because you are already ill.
If you don’t have the benefit of a group plan, there are still ways to save money and get discount health insurance in Kentucky. For individuals who are in almost perfect health and don’t need to visit a doctor regularly they may want to consider purchasing a catastrophic health plan. Although this typically provides no coverage for things like routine office visits or prescription medications, it does provide extensive coverage for any major illness. This is a great approach for someone who is young and doesn’t have a family history of any serious conditions.
One of the easiest and most beneficial approaches to saving on health insurance is to get in better shape. Healthier individuals pay less for premiums on their insurance. So if you’re overweight, sedentary or a smoker, change your lifestyle and you’ll not only notice a big difference in how you look and feel but you’ll save money on insurance costs too.