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.