Kentucky Car Insurance Information
Charlie Pinson Insurance web site is not meant to provide legal advice about Kentucky car insurance. The statements below are a generalized overview adopted from Kentucky Department of Insurance Consumer Guide. For best legal advice, consult an attorney.
Kentucky car insurance law requires a minimum of 25/50/10 of auto coverage. This means you must have $25,000 total for bodily injury per person; $50,000 total for bodily injury coverage per accident; $10,000 limit on property damage per accident. While this coverage is legally sufficient and the premiums would be somewhat inexpensive, it may not be enough to protect you and your assets in the event of a claim against you. Weigh your options carefully when buying Kentucky car insurance.
We understand what it is like to be on a tight budget. Did you know that bumping your Kentucky car insurance coverages to 25/50/25 now may help you qualify for discounts later with some companies? Kentucky car insurance rates are very competitive. The premium for higher coverage is not significantly different, but the future discounts can be. Click here for other tips to reduce your Kentucky car insurance rate.
Kentucky car insurance is mandatory. If the Department of Vehicle Regulation
discovers you are driving without insurance, it will revoke the registration of
your motor vehicle. If a law enforcement officer stops you, you may face a fine
ranging from $500-$1000, be sentenced to 90 days in jail, or both, plus the
suspension of your license plates. Fines and penalties for repeat offenses may
be greater. With a no insurance violation, you will be placed in a "high risk"
category with increased Kentucky car insurance premiums. You may also be
required to report to a Kentucky car insurance probation officer on a regular
basis.
Zero Tolerance
Your car is a deadly weapon. Respect that fact. Do not drink and drive. Kentucky is a "zero tolerance" state when it comes to youth drinking and driving. If you drink, don't get behind the wheel. Don't get in a car with any driver who has been drinking. The same rules apply for drug use. Violations dramatically increase Kentucky car insurance premiums.
Buckle Up! It's Kentucky law
Always wear your seat belt and make all your passengers buckle up. The life you save may be your own. Seat belt violations are considered by some companies when setting Kentucky car insurance rates. Seat belts are just common sense, but in Kentucky it is the law!
More Kentucky Car Insurance Information
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