Why You Should Get an Auto Insurance Quote

If you live in Kentucky, you should get an auto insurance quote. While the state’s minimum insurance is enough, it may not provide the coverage you need. For instance, you may need to purchase liability coverage to cover other drivers’ costs when you are at fault in an accident. In addition, you may also want to purchase personal injury protection, which pays for the other driver’s medical expenses. You can save a lot of money on your coverage by shopping around. quotes for full coverage auto insurance

Kentucky is a no-fault state

While Kentucky’s no-fault auto insurance system allows you to make claims without proving fault, you should keep in mind that the benefits of no-fault insurance are limited. In order to receive compensation, you must have suffered severe injury or a fracture of a weight-bearing bone. In addition, you must have permanent impairment or disfigurement. Despite the limitations of Kentucky’s no-fault system, you are still able to file claims against at-fault drivers.

Whether you opt for no-fault insurance or not will affect your auto insurance quote. In Kentucky, you will have to pay higher premiums if you choose to opt out of the system. If you don’t accept this type of insurance, you will have to deal with fines and criminal liability after a car accident.

Young drivers pay the highest rates

While there are some exceptions to this rule, young drivers still pay the highest rates on auto insurance in Kentucky. For example, if you have a history of speeding or causing an accident, your insurance premium will be higher than someone with a clean record. Even if you have never had a driving offense, you can still get cheap car insurance in Ky by shopping around.