Kentucky car insurance calculator is an invaluable tool that can assist drivers in selecting an affordable policy with maximum protection at an acceptable rate. Although cost factors affect all aspects of auto insurance policies, most drivers can find ways to lower premiums through comparison shopping and comparing quotes; getting good driving records, avoiding traffic violations and accidents and maintaining safe driving practices will all play a part in keeping premiums down.
Age, gender, and marital status are among the primary determining factors when it comes to Kentucky car insurance costs. Younger drivers tend to incur higher insurance costs because of their limited driving experience – an average Kentucky driver aged 18-21 pays more than the national average of $1682. Married drivers also tend to incur more costly car policies due to riskier lifestyle choices.
Your vehicle and driving record also influence the cost of Kentucky car insurance, with those owning luxury or luxury-equipped cars typically paying more. A DUI offense, for instance, can have devastating repercussions for any driving record and significantly raise premiums across providers; drivers should make sure they research all their options so as to find an ideal rate in their situation.
Drivers would do well to purchase more coverage than what is legally required in Kentucky, as liability may not cover all expenses after an accident occurs; uninsured and underinsured motorist coverage can help cover medical bills, lost wages and other associated losses; additionally collision and comprehensive policies provide added protection in case an uninsured or underinsured driver hits your car.
Kentucky drivers would also benefit from reviewing their coverage regularly. It could be that they are paying for unnecessary coverage or that their policy has lapsed; on average, those who let coverage lapse for six months typically pay 11% more than drivers with continuous coverage.
Credit scores also play a part in determining the cost of Kentucky car insurance, with those with higher scores usually paying less. But even those with poor credit can find affordable coverage by doing research and taking advantage of discounts; the average Kentucky rate for full coverage auto insurance costs $2105 annually; this exceeds the national average by nearly 200 dollars! Comparing rates across multiple companies will enable Kentucky residents to find an ideal policy deal on auto coverage.