CHEAP AUTO INSURANCE IN KENTUCKY

Cheap Louisville KY Auto Insurance

Cheap Car Insurance in Louisville





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Do you know if you're really getting the best deal on auto insurance in Louisville, KY? To find out, use our convenient tool above. Simply input your zip code into the box above, and let us do the rest. You will receive the quotes you need right away. Then you can make the best choice for your particular situation.

Don't waste valuable time, energy, and gasoline driving all over town to various insurance agencies looking for the best price on auto insurance rates. Get the quotes you need... hassle-free... all from the comfort of your home or office. Grab a cup of coffee or a glass of iced tea, and we'll get the quotes for you!

The State of Kentucky requires drivers in Louisville to purchase an auto insurance policy that will pay at least $25,000 if one person is injured in an at-fault collision. KY motorists must also carry at least $50,000 in insurance to cover multiple people injured in a single accident. In addition, drivers in the state must have at least $10,000 worth of property damage coverage. This is commonly referred to as 25/50/10 coverage. Insurance providers recommend that drivers in Kentucky carry more than the minimum required amount of liability insurance coverage. Opting for a policy that only includes state minimum requirements may help drivers get the best premiums. However, KY uses the tort system to determine who will pay for expenses that arise as the result of an accident. The driver who is found to be at fault is responsible for paying all of the costs incurred. The minimum state-required amount of liability coverage does provide some protection for motorists, but drivers who cause accidents will have to pay out of their pockets for damage that goes over their policy coverage limits.




Insurance Classifications:

Auto insurance companies separate drivers into categories, which are called classifications, before determining the cost for a policy. Several factors are used to classify drivers. Some of those are: age, marital status, gender, driving record, where the vehicle is garaged, miles driven annually, and prior insurance record.

In recent years, auto insurance companies have begun to also rely on a person's credit history to determine rates and renewal options. If a driver's credit history reflects negatively, an insurance company may charge higher rates or even refuse to issue a policy or renewal.

Insurance companies are aware that drivers with certain characteristics are more likely to be involved in an accident. So consequently, drivers in those classifications are charged higher rates for auto insurance. Even though you can't control your age or gender, you certainly can take responsibility for your driving record and the type of vehicle you drive. That can help lower the rates you'll pay.

2017 is expected to see auto insurance rates fluctuate across the nation and Louisville is no exception. With instant online quotes you can see just how much you can save with the cheapest car insurance over the coming year.




Reduce Your Premium:

You may be able to lower your auto premium by taking advantage of certain discounts. Most insurance companies offer many (or all) of the following:

* Good Student Discount
* Accident Free Discount
* Multiple Vehicle Discount
* Passive Restraint Discount (airbags, etc)
* Multiple Policy Discount (home, RV, etc)
* Non-smoker Discount





TIPS:   Filing an Auto Collision Claim


Hopefully you'll never need to file an auto collision claim. But if you ever do, keep these points in mind. It can make the difference in whether your claim goes smoothly or becomes a nightmare.

1) Contact Insurance Company ASAP

2) Know About your Policy

3) Keep Good Records

4) Get Involved in the Repairs

5) Communicate with Claims Rep






The pricing of an insurance quote is not the only factor you should consider when choosing an insurance company.

Ask yourself:

Does this company provide quality customer service after you purchase a policy?

What is the company's record for "timely" claims processing?

If you were ever involved in an accident, would you face delays in getting your vehicle fixed?

You don't want ANY unpleasant or unexpected surprises. Do an online search for reviews of each company you are considering.






More Tips to Save Money on Auto Insurance:

* * Increase your deductible

* * Remove risky drivers from your policy

* * Don't buy a car that thieves often steal

* * Don't pay monthly premiums.
Pay annually, semi-annually, or quarterly.

* * Buy a car with safety features, or add safety features like a steering wheel lock or an alarm system



Auto Insurance Agents In Louisville:

Jerry Kays Insurance Inc.
3701 Taylorsville Rd
Louisville, KY 40220
502-459-0833


Paul Zachary Leonardo
4169 Westport Rd
Louisville, KY 40207
502-893-9283


Daniel Fabulic Agency
833 Valley College Dr
Louisville, KY 40272
502-409-4500


Brian Dolack
9475 Westport Rd
Louisville, KY 40241
502-423-1171


Todd Bowers
3810 Shepherdsville Rd
Louisville, KY 40218
502-454-7992


Daysha J Palacio-Miller
4141 Taylor Blvd
Louisville, KY 40215
502-297-4624


Brian Taylor
2920 Brownsboro Rd
Louisville, KY 40206
502-721-0197


Donnie R. Kays Ins.
10602 Timberwood Cir
Louisville, KY 40223
502-423-9335


Tom Lease Insurance
4100 Taylorsville Rd
Louisville, KY 40220
502-458-3000


Kaiser Insurance
8307 Shelbyville Rd
Louisville, KY 40222
502-526-5376


A Central Insurance
6206 Preston Highway
Louisville, KY 40219
502-968-1112


Shelby Insurance
12200 Shelbyville Rd
Louisville, KY 40243
502-245-8346


Robert Lamont Metcalf
521 S 3rd St
Louisville, KY 40202
502-587-3001


Dale Breitenstein
11720 Antonia Way
Louisville, KY 40229
502-966-2333


Hyland Block & Hyland
1250 S 3rd St
Louisville, KY 40203
502-637-4733


Nolan Insurance Corp.
903 E Chestnut St
Louisville, KY 40204
502-589-4746


Gary Detar Agency
5427 Bardstown Rd
Louisville, KY 40291
502-239-7000


Russ Gailor & Assoc
5358 New Cut Rd
Louisville, KY 40214
502-368-2576


Joe Gottbrath Insurance
157 Thierman Ln
Louisville, KY 40207
502-416-0179


Franck Insurance Agency
8217 Shelbyville Rd
Louisville, KY 40222
502-416-0166


Van Zandt Emrich & Cary
12401 Plantside Dr
Louisville, KY 40299
502-265-5875


Rick Hickman Insurance
6801 Dixie Hwy
Louisville, KY 40258
502-933-3901


Ken Smith Insurance
4917 L Dixie Hwy Sears Plaza
Louisville, KY 40216
502-449-0100


Houston & Houston
4027 Preston Hwy
Louisville, KY 40213
502-366-6513











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