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Kentuckians pay on average more than $900 a year for automobile insurance, and most are paying too much. Here's how to get cheap Kentucky automobile insurance with a reputable company. Kentucky Automobile Insurance Requirements Kentucky is a no-fault state, meaning that your insurance company will pay for your injury claims, up to a certain amount, no matter who caused the accident. Kentucky auto insurance laws state that you must carry the following minimum amounts of liability insurance to drive in the state: 1. $25,000 worth of bodily injury liability coverage to pay for the other person's medical bills when you're found to be at fault in an accident. 2. $50,000 worth of bodily injury liability coverage to pay for all other persons' medical bills when you're found to be at fault in an accident. 3. $10,000 worth of property damage liability coverage to pay for damage to the other person's car or personal property when you're found to be at fault in an accident. The above liability insurance is all the law requires. However, if you want full protection you should include the following coverages in your policy: Collision- pays for repairs to your car after an accident, regardless of who was at fault. If you're financing or leasing a new car your dealer will require this insurance. Comprehensive - pays for repairs to your car after it's been damaged by anything other than a collision - fire, vandalism, theft, storms, or hitting an animal. This coverage, too, is required by most dealers. Personal injury protection - pays your medical bills and your passenger's medical bills after an accident. Uninsured motorist - pays for damages to your car when the accident was caused by uninsured, underinsured, or hit-and-run drivers. Cheap Kentucky Automobile Insurance To insure that you're getting the cheapest rate with a reputable company, visit an insurance comparison website. There you can get multiple quotes from A-rated companies so you can compare them and choose the best one. The best of these sites have an articles section where you can get more money-saving tips, and an online chat feature where you can get answers to your questions from an insurance expert (see below). Visit http://www.LowerRateQuotes.com or click on the following link to get cheap Kentucky automobile insurance quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section. The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on Kentucky automobile insurance.
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