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Cheap Car Insurance in Louisville, Kentucky

Looking to learn more about Louisville and how to acquire cheap car insurance? Well, it’s Kentucky’s largest city, Louisville is perhaps most famously known as the home of the Kentucky Derby, held the first Saturday in May. Often called “Kentuckiana” by locals since it spills over into in neighboring Indiana, the Louisville metro area has a population of more than 1.3 million.

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Driving conditions in Louisville

Louisville in 2014 was ranked 36th in a survey of traffic congestion, a ranking city officials attributed to construction projects. The website, goky.ky.gov, provides up-to-date information on construction delays, accidents and weather conditions. Drivers in Kentucky can access road and traveling conditions by calling 511, an automated voice response system providing information about specific roadways or regions.

Unique laws in Louisville

A Kentucky state law still on the books forbids allowing one’s pet to “molest” a vehicle, punishable by fines. Residents and visitors also are prohibited from hunting from a moving vehicle.

Louisville crime statistics

Louisville in recent years has landed among the top 50 in the FBI’s violent cities list, which ranks cities over 100,000 population by crime rates. According to FBI crime data, there were 3,225 reports of auto theft in 2015. The Louisville metro area landed at No. 69 on the National Insurance Crime Bureau’s most recent ranking of cities with the highest vehicle theft rates, with a rate of 289.34 incidents per 100,000 people.

Louisville safety requirements

Kentucky has a mandatory seat belt law, and children under 40 inches tall must ride in a car seat. Children 40 to 57 inches tall must ride in a booster seat. The speed limit is 65 mph on rural sections of interstates and most parkways.

Louisville impaired driving laws

According to Kentucky DUI laws, drivers over age 21 with a blood alcohol concentrationof .08 percent or higher can be charged with driving under the influence. Those under 21 can be charged with a BAC of .02. First-time offenders can expect a 90-day license suspension, fines of $200 to $500 and jail time up to 30 days. Penalties are more severe for subsequent convictions. To report a reckless driver or someone violating traffic laws, call the Kentucky Vehicle Enforcement, 1-800-928-2402.

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Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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