Kentucky Auto Insurance Quotes

The Bluegrass state has maintained an agricultural economy while its neighbor states have become increasingly more industrialized, but don’t let the widespread farmland and abundant natural parks fool you into thinking that it’s safe enough to drive uninsured. Kentucky auto insurance quotes can help you save money on car insurance and still get to Louisville in time for the Kentucky Derby.

Kentucky Insurance Minimums

Minimum bodily injury liability limits of $25,000 for each injured person and $50,000 total bodily injury per accident, coupled with $10,000 property damage coverage makes Kentucky’s coverage laws rather standard, but unlike some other states, drivers must carry PIP (personal injury protection) coverage. This additional benchmark is intended to pay for any medical and funeral expenses incurred in the automobile accident, and maintenance of a proper insurance plan that matches these limits is easy once you’ve got a few comparable online Kentucky auto insurance quotes.

Kentucky Penalties

Maximum 90 day jail sentences, $500-$1000 fines, and potential year-long license and registration suspensions are just some of the severe penalties for driving uninsured in Kentucky. Subsequent offenses come with increased penalties and fines, so be forewarned!

Proof of Insurance

Kentucky is fairly accommodating, with several methods available through which drivers are able to provide proof of their proper insurance to law enforcement officers during a stop, or when getting a vehicle registered. State maintained databases can reference one’s insurance through a VIN number look-up, or a regular insurance card, insurance certificate or contract, or letters from various Kentucky auto insurance organizations can all be used as proof of insurance which will help avoid higher future premiums and bad risk assessments, ultimately saving the driver money.