Kentucky Auto Insurance Regulations, Premium Rates and Savings Tips

Each state has its own requirements for auto insurance and Kentucky auto insurance is unique. Beyond meeting the basic requirements of the law, there are ways to save money on your Kentucky auto insurance policy. Driver safety courses and anti-theft devices are just a two ways that you can maximize your coverage while lowering your monthly premium.

Kentucky Auto Insurance Law
Kentucky has a very unique law. It uses a Choice No-Fault System. Typically, states are either no-fault or tort and there is no choice. However, Kentucky has chosen to give its residents the choice. A no-fault system means that an individual's insurance company pays for the damage no matter who is at fault. No-fault states limit and deny citizen's rights to suit someone over damages.

With a Choice No-Fault System, citizens can choose to accept or reject the no-fault system. Rejecting the system means that you are accepting the tort system. This gives citizens the right to sue another driver over damages. Either way, Kentucky citizens must carry $25,000 per person/$50,000 per accident in bodily injury liability, $10,000 in property damage liability, and $10,000 in personal injury protection.

Once you have made sure you meet the requirements, you can explore ways to save money. For example, attending driver safety courses can save you money in different ways. First of all, it can erase a ticket from your record. When given a ticket, you can choose the option of attending a driver safety course. Many Kentucky auto insurance companies also give you a discount just for attending a course. Most cities offer driver safety courses for free.

Another way to get better quotes for Kentucky auto insurance rates is by having anti-theft devices in your vehicle. An anti theft device can be as simple as a car alarm or more complex such as a steering wheel lock. Make sure you tell your insurance company about what devices you have in your vehicle so that you can get all discounts that apply to you.

Additional discounts will be given by insurance companies for a variety of reasons. If you have consistently been a safe driver, you will qualify for a safe driver discount. If you drive a low mileage vehicle within a short mile radius of your home, you will qualify for a discount. There are also good student discounts, senior discounts, and military discounts.

Finding Kentucky auto insurance is simple. Make sure you meet the minimum requirements established by law and decide if you want the no-fault or tort options. Then consider taking a driver safety course, installing anti-theft devices, and see what discounts you qualify for. Following these simple steps can lead you to the right insurance for you.

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Kentucky auto insurance requirements are based on a unique "Choice" no-fault system.

Minimum liability limits are set for Kentucky auto insurance policies in the amounts of $25,000/$50,000/$10,000.

You can save money on your policy for Kentucky auto insurance by completing a driver's improvement course.

Check additional valuable information of your State Insurance department organization.
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