Kentucky Car Insurance Quote
There is not much Kentucky residents can do about the required minimum amount of car insurance coverage-this is determined and governed by the state of Kentucky. However, the premium rates charged by insurance companies for identical or similar car insurance coverage options are determined by each individual insurance company. A quick and convenient visit to Quotecarinsurance.com can help Kentucky motorists get the best car insurance coverage at the lowest possible rate from a reputable and respected car insurance company.
In 2002, Kentucky residents were paying an average of about $816 for car insurance. In 2003, the average amount paid for car insurance was about $882. That's an increase of approximately 8.09% in just one year. Although an overall minor decrease in car insurance rates is expected for Kentucky residents in 2007, car insurance rates have steadily risen in the past and rates can fluctuate. Quotecarinsurance.com provides you with comprehensive and thorough car insurance information to help you make an educated decision about your car insurance coverage. This information includes descriptions of car insurance discounts that are often provided to a variety of individuals or professional associations as well as accident free customers and those who have completed a driver course by various insurance companies. Different car insurance companies offer different discount amounts for identical or similar circumstances. Quotecarinsurance.com enables you to find the car insurance company that provides the greatest amount of discount categories that will save you more money and suit your lifestyle and your vehicle and automatically allows you to include your specific vehicle, your individual lifestyle and all minimum car insurance coverage options as required by the state of Kentucky or your state of residence.
The state of Kentucky requires its resident motorists to obtain a minimum of Bodily Injury Liability coverage in the amount of $25,000 per injured person up to a total of $50,000 per accident. In addition, drivers who reside in Kentucky also need to obtain a minimum of $10,000 Property Damage Liability coverage. This type of car insurance coverage is often referred to as 25/50/10 coverage. It is also important to note that Kentucky follows a No-Fault system in regards to car insurance coverage. The No-Fault system provides limited payment for your injury claims, regardless of who was found to be responsible, or at fault, for the car accident that caused the injuries.
Additional insurance coverage options that are provided by most car insurance companies but are not required by the state of Kentucky include Personal Injury Protection and Uninsured/Underinsured Motorist coverage. Both of these car insurance coverage options offer additional bodily injury protection. Personal Injury Protection, or PIP, coverage contributes towards payments required for reasonable and necessary medical expenses for you and your passengers that exceed the minimum amount of Bodily Injury Liability coverage required by the state of Kentucky. Uninsured/Underinsured Motorist coverage provides additional protection should you be involved in an accident that was caused by another driver who was uninsured or underinsured.
Quotecarinsurance.com is your connection to understanding and selecting the most appropriate car insurance for you based on your state's requirements, your vehicle and your lifestyle. Having the ability to compare rates will assure you that you are getting the most for your hard earned money along with the priceless peace of mind that accompanies being properly insured.