Kentucky Auto Insurance

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Auto insurance rates are determined by each KY insurer, and can vary quite a bit even for the same type of policy. This is why it is important to request free auto insurance quotes from several companies.

These quote comparisons are complimentary and are intended to make your insurance shopping experience a little easier.

According to the Kentucky State Police, there were 152,612 traffic accidents reported in the state in 2006, 913 of which resulted in fatalities. One of every 16 drivers licensed in the state of Kentucky was involved in a traffic collision during the year. Protect yourself and your family from unforeseen property damage and medical expenses when involved in an accident. Review your Kentucky auto insurance options to make sure that you have reliable and sufficient coverage. Compare quotes quickly and easily online to find an authorized Kentucky insurance company.

Kentucky motor vehicle owners must carry basic No Fault personal injury insurance and liability insurance. This includes a minimum of $10,000 for property damage and $25,000/$50,000 for bodily injuries. The state offers motor vehicle owners and drivers the option to reject No Fault insurance coverage. Those who choose to do this will not be limited to sue for additional expenses if you are involved in an accident, whereas under the No Fault insurance coverage, there is a limit of $10,000 in compensation. If you want to opt out of No Fault insurance, you will need to file a special form with the Kentucky Office of Insurance. This form can be obtained from the Office of Insurance or your insurance agent or company. Don't let your auto insurance payment lapse, there is no grace period. If you cannot come up with your entire premium on time, most insurance companies will offer some sort of payment plan. You are required to carry proof of your Kentucky auto insurance policy in your vehicle at all times and are also required to present evidence of your coverage every time your vehicle registration is up for renewal.

The Kentucky Office of Insurance has investigated individuals who have been caught selling fraudulent insurance cards, some of which have been more expensive than legitimate insurance policies. If you are concerned that you may be in possession of an illegitimate proof of insurance card, please contact the Kentucky Consumer Protection Division. View our online car insurance quote comparisons and find a legitimate company authorized to sell Kentucky auto insurance.

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