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Cheap Car Insurance in Lexington




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.




What Is "No Fault Insurance?"


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.




Did You Know...?


- 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 - National Automobile Dealers Association.

- There were 1,012 auto thefts reported in the Lexington-Fayette, KY Metropolitan Area in 2015 and basic liability insurance does not provide coverage against loss or damage by theft. Optional comprehensive coverage is needed to provide protection against such loss.





Check It Out

As well as getting quotes from different companies to compare premium rates, check out each company's rating.

Several of the rating agencies to use are:

A.M. Best Company
Standard and Poor's
Firch Ratings
Weiss Ratings Inc.
Moody's Investors Service






Info For Quotes


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




KAIP:


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.



Auto Insurance Agents In Lexington
Sullivan Insurance Agency
635 N Broadway
Lexington, KY 40508
859-233-1637
website

Heritage Insurance Agency
3306 Clays Mill Rd
Lexington, KY 40503
859-219-1122
website

Powell Walton Milward Ins.
360 E Vine St
Lexington, KY 40507
859-254-8023
website

Asa Pham
169 E Reynolds Rd
Lexington, KY 40517
859-273-0400
website

John Parkhurst
1795 Alysheba Way
Lexington, KY 40509
859-264-4422
website

Barnes Insurance Center
1202 Winchester Rd
Lexington, KY 40505
859-253-2728
website

Carpenter-Warren Agency
271 W Short St
Lexington, KY 40507
859-233-1637
website

Titan Insurance
274 Southland Dr
Lexington, KY 40503
859-277-4962
website

Bob Pitman
851 Corporate Drive
Lexington, KY 40503
859-223-1191
website

Kentucky Farm Bureau Ins.
2358 Nicholasville Rd
Lexington, KY 40503
859-313-5400
website



Houston Insurance Agency
3167 Custer Dr
Lexington, KY 40517
859-268-1118
website

Russ Tucker, CLU
1206 N Broadway
Lexington, KY 40505
859-259-0404
website

Slade & Collins Insurance
3320 Clays Mill Rd
Lexington, KY 40503
859-219-1121
website

Thomas Mann Insurance Agency
185 Pasadena Dr
Lexington, KY 40503
859-268-2542
website

Willie Lee Morrison Jr
847 Lane Allen Rd
Lexington, KY 40504
859-277-4313
website

Elite Insurance
2408 Sir Barton Way
Lexington, KY 40509
859-264-9400
website

GCH Insurance Group
2250 Thunderstick Dr
Lexington, KY 40505
859-254-1836
website

JLJ Insurance Services
3712 Willow Ridge Rd
Lexington, KY 40514
859-263-3480
website

Mayne Insurance
3306 Clays Mill Rd
Lexington, KY 40503
859-514-6541
website

Auto-Owners Insurance Co
230 Lexington Green Cir
Lexington, KY 40503
859-271-0337
website










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