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