Kentucky drivers are commonly hit with some of the highest auto insurance premiums in the nation. The average cost to insure a vehicle in Kentucky in 2007 was $2,239. This average actually reflected a decrease compared to the previous year. The average cost in 2006 was $2,299. The rate that drivers pay for their car insurance varies by state, insurance company, and policy. Various other specifics may also affect premiums. The urban speed limit and the highway speed limit in Kentucky is 65 m.p.h. The current blood alcohol limit is 0.08. Drivers as well as passengers of vehicles are restricted from possessing open alcohol containers while traveling. There are no state wide bans on cell phone use while driving. There is no automatic suspension of a driver’s license for the first offense for DUI or DWI.
Kentucky State Law requires minimum Bodily Injury Liability limits of $25,000 per injured person up to a total of $50,000 per accident. Property Damage Liability coverage is also required with a minimum limit of $10,000. This basic coverage is often referred to as 25/50/10 coverage. Kentucky adheres to a Choice No-Fault system which means that drivers may reject the No-Fault system options and may choose to sue for any injury caused by an automobile. Uninsured/Underinsured Motorist Bodily Injury coverage is also available though not required by the state. This insures drivers involved in an accident with another driver who is uninsured or underinsured. It covers bodily injury.
There are several avenues to pursue when shopping for an auto insurance policy. National insurance companies such as Esurance or Progressive. These online agencies boast substantial premium savings but the level of customer service may be less than what a local agency can provide. Traditional carriers such as State Farm or American Family typically have a local agent that is easily accessible and offers more personalized service. The rates offered may be a bit higher with this option. Their are also online companies that match consumers with a variety of insurance providers who compete to offer the best insurance premiums. The providers returning quotes for a consumers consideration may be local or national agencies. It’s important that consumers determine that the companies offering this match-making service are legitimate so their information isn’t shared with other brokers. This could lead to unwanted telephone calls and spam in their e-mail accounts.
