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Far too many consumers are paying more than they should for auto insurance in the Lexington KY area. It is wise to occasionally request and compare quotes from various insurance companies who provide coverage in Lexington. At that point, a consumer can choose to change companies if a better deal is found. Some people think the term "no fault" is referencing who is responsible for causing or not causing an automobile accident. But that is not the case. A term that is interchangeable with "no fault" is the term "Personal Injury Protection," otherwise known as "PIP." Briefly, here's an explanation of its meaning... With PIP coverage your own insurance company will pay you for certain expenses you incur as the result of an automobile accident, no matter whose fault the accident was. Covered expenses would be things such as lost wages and medical expenses, etc. Basic PIP coverage will pay up to $10,0000 for medical expenses and up to $200 per week for lost wages, among others. - Distracted drivers are a factor in 25 to 50% of all automobile accidents. Some of the leading distractions are: cell phones and texting, eating, putting in a CD, talking to passengers, smoking, reaching for something. - The color of your vehicle is not a factor that your insurance company uses to determine your rates. - By law, if your vehicle is damaged in a wreck and the total damage equals more than 75% of the NADA value, it must be considered a total loss. (NADA means National Automobile Dealers Association.
Before requesting quotes, gather the necessary information, for example; Info on all drivers, such as license number, birthdate, employer, etc. Info on any accidents or traffic tickets in the last 3-5 years Each vehicle's make, model, year, and VIN Number of miles driven annually Lender's info if there is a loan on the vehicle If you find that your driving record or claims history keeps you from being able to get insurance through the regular insurance market, you are probably eligible to apply for auto insurance coverage through KAIP - Kentucky Automobile Insurance Plan. Contact any agent or broker who is licensed to sell auto insurance in the state of Kentucky. You must prove that you were turned down for insurance through regular means in order to qualify for KAIP. Other restrictions apply. By using the box above to input your zip code, that will allow us to provide the quotes you'll need for comparison. Thank you for giving us that opportunity. |
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1353 W Main St Lexington, KY 40508 859-977-2055 Creech & Stafford Insurance Agency 465 E High St Lexington, KY 40507 859-253-1371 Mark Emerson Johnson Agency 230 Lexington Green Cir Suite 400 Lexington, KY 40503 859-273-0647 Tammy Norris 366 Waller Ave #102 Lexington, KY 40504 859-278-1442 Greater Lexington Insurance 1066 Wellington Way Lexington, KY 40513 859-224-2477 Alliance Assurance Agency LTD 3306 Clays Mill Rd Suite 104 Lexington, KY 40503 859-219-6000 Farm Bureau Insurance 1795 Alysheba Way #4101 Lexington, KY 40509 859-543-0043 Sullivan Insurance Agency 635 N Broadway Lexington, KY 40508 859-233-1637 Kentucky Farm Bureau Insurance 1316 Versailles Rd Lexington, KY 40504 859-253-1626 Stephen Peter Toroni Agency 230 Lexington Green Circle Suite 400 Lexington, KY 40503 859-940-6614 |
3320 Clays Mill Rd Ste 208 Lexington, KY 40503 859-219-1121 Dwight McCarty 3620 Walden Dr Lexington, KY 40517 859-554-0584 Mayne Insurance 120 E Reynolds Rd #2 Lexington, KY 40517 859-514-6541 Greater Lexington Insurance Agency 1066 Wellington Way Lexington, KY 40513 859-224-2477 Kentucky Ins & Invstmnt Group 3320 Clays Mill Rd Lexington, KY 40503 859-224-0316 Shelter Insurance 470 E New Circle Rd Lexington, KY 40505 859-254-7755 Bryan Joseph Mitchell Agency 252 E Third St Lexington, KY 40508 859-293-2253 Christy Ann Turner Agency 230 Lexington Green Cir Lexington, KY 40503 859-221-0722 Whitt Insurance Agency 2090 Harrodsburg Rd Lexington, KY 40503 859-278-0124 Triad Insurance 1216 S Broadway Lexington, KY 40504 859-255-0806 |
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