| Kentuckians pay on average more than | | | | Collision- pays for repairs to your car |
| $900 a year for automobile insurance, | | | | after an accident, regardless of who was |
| and most are paying too much. Here's how | | | | at fault. If you're financing or leasing |
| to get cheap Kentucky automobile | | | | a new car your dealer will require this |
| insurance with a reputable company. | | | | insurance. |
| Kentucky Automobile Insurance | | | | Comprehensive - pays for repairs to your |
| Requirements | | | | car after it's been damaged by anything |
| Kentucky is a no-fault state, meaning | | | | other than a collision - fire, |
| that your insurance company will pay for | | | | vandalism, theft, storms, or hitting an |
| your injury claims, up to a certain | | | | animal. This coverage, too, is required |
| amount, no matter who caused the | | | | by most dealers. |
| accident. Kentucky auto insurance laws | | | | Personal injury protection - pays your |
| state that you must carry the following | | | | medical bills and your passenger's |
| minimum amounts of liability insurance | | | | medical bills after an accident. |
| to drive in the state: | | | | Uninsured motorist - pays for damages to |
| 1. $25,000 worth of bodily injury | | | | your car when the accident was caused by |
| liability coverage to pay for the other | | | | uninsured, underinsured, or hit-and-run |
| person's medical bills when you're found | | | | drivers. |
| to be at fault in an accident. | | | | Cheap Kentucky Automobile Insurance |
| 2. $50,000 worth of bodily injury | | | | To insure that you're getting the |
| liability coverage to pay for all other | | | | cheapest rate with a reputable company, |
| persons' medical bills when you're found | | | | visit an insurance comparison website. |
| to be at fault in an accident. | | | | There you can get multiple quotes from |
| 3. $10,000 worth of property damage | | | | A-rated companies so you can compare |
| liability coverage to pay for damage to | | | | them and choose the best one. |
| the other person's car or personal | | | | The best of these sites have an articles |
| property when you're found to be at | | | | section where you can get more |
| fault in an accident. | | | | money-saving tips, and an online chat |
| The above liability insurance is all the | | | | feature where you can get answers to |
| law requires. However, if you want full | | | | your questions from an insurance expert |
| protection you should include the | | | | (see below). |
| following coverages in your policy: | | | | |