Kentucky may rank high when it comes to car insurance rates, but this doesn’t mean finding great deals is impossible. Simply spend more time doing comparison shopping and using an online calculator like Policygenius can give you a clear idea of the costs for full coverage policies from different providers.
Age group, driving history and credit score will have an immense effect on your premium costs; middle-aged drivers typically get better rates than younger ones. Below are tables which highlight average full coverage rates by age for various age groups in Kentucky with annual and monthly costs included.
Your rate may also depend on where in the state you reside. Insurance providers assess risk by considering factors like crime rates, traffic congestion and car theft rates before setting rates accordingly.
An offense such as DUI or serious traffic violations can significantly raise your premiums, so it is wise to shop around after receiving your ticket, particularly if it’s your first. Perhaps taking a defensive driving course or maintaining your record for several years can save you money in premium increases.
Kentucky requires drivers to carry liability insurance; however, additional coverage options should also be considered when creating their policy. Roadside assistance provides emergency aid should something go wrong such as flat tires or running out of gas; Uninsured Motorist Bodily Injury (UMBI) helps cover medical bills in case an accident with someone uninsured occurs;
Poor credit can drive up Kentucky rates significantly. Achieving higher credit scores will allow you to qualify for lower rates; working to improve it could reduce costs significantly.
Utilizing an online calculator will enable you to compare rates and policies from top car insurers in Kentucky, giving you an accurate idea of your full coverage policy costs so you can make an informed decision about which provider and coverage levels to go with.
Compare car insurance policies by considering both annual and monthly costs, reading through any fine print you come across, factoring in any exclusions or restrictions that might apply, as well as add-on services like towing or roadside assistance that might interest you. By doing your research properly in Kentucky, you should find an insurance policy that fulfills all your needs at an affordable price – good luck!