Auto Insurance in Somerset, Kentucky
Every driver in Kentucky is required by law to have auto insurance. These requirements protect all drivers—even the safest ones—from various driving hazards and accidents. Some accidents are inevitable, and that’s why they’re called accidents.
Auto insurance can protect you, your vehicle and other drivers’ property. The average auto insurance policy may include the following:
Collision insurance pays for damage to your own car following a wreck.
Comprehensive insurance covers vehicle damage that is not related to a collision. This policy might pay for damage from fires, vandalism, severe weather, theft and similar events.
First Insurance Group USA provides car insurance to drivers throughout Kentucky. Everyone has different needs and budgets, and we work to tailor affordable policies with the proper coverage. Connect with our insurance professionals today at 800-511-2892 or fill out an online quote form.
Uninsured and underinsured motorist coverage pays for your own vehicle damage and injuries if an accident is someone else’s fault, but they lack liability coverage to repay you.
Roadside assistance allows you to call your insurer for help if you experience setbacks like flat tires, dead batteries or other common vehicle issues.
Rental car reimbursement pays for some of the costs of a rental car if you have to send your regular car for repairs following a wreck.
Common Auto Insurance Questions in Kentucky:
What Car Insurance Is Required in Kentucky?
Vehicle owners may not operate a vehicle in Kentucky until insurance has been obtained. By law, Kentucky requires all drivers to carry at least the following coverage:
$25,000 in bodily injury liability per person
$50,000 in bodily injury liability per accident
$10,000 in property damage liability
How Are Auto Insurance Rates Determined?
Many factors can influence your policy cost, including:
Where you live
The value of your car
Your credit score
Your driving record
To help maximize your savings, we’ll see which of our carriers offer you the best discounts and savings opportunities.
How Far Back Do Car Insurance Companies Look?
Your driving record is a critical cost factor to an insurance policy. Auto insurance companies typically look at your driving record as far back as three to five years. We’re typically looking for at-fault accidents, tickets and violations. Keep in mind that getting a DUI in Kentucky will also likely raise your insurance premium.
How Much Auto Insurance Do I Need?
First Insurance Group USA has been insuring Kentucky drivers for more than 20 years. We’re ready to shop for the best policy to suit your driving needs with our vast knowledge of carriers. Call our insurance professionals today at 800-511-2892 or fill out an online quote form.