How to Get the Best Rate on Louisville Auto Insurance
When purchasing Louisville Auto Insurance there are many questions that may come to mind, such as what kind of coverage do I need and what is the mandatory amount? The number one concern on everyone’s mind when he or she look for insurance is what his or her premium will be and if it will be affordable. Being armed with the knowledge of what your particular states minimum insurance requirements are and what will work best for your situation is the key to getting the most for your money.
What are the Minimum Requirements?
When it comes to getting Louisville Auto Insurance the first step is to know the minimum coverage requirements. You have to buy at least Kentucky’s state minimum coverage, which are $25,000 / $50,000 / $10,000. To put that into simpler terms that means $25,000 for injury to one person, $50,000 to cover all injured parties and $10,000 for damage to property.
Keep in mind these are only the minimum coverage requirements for Louisville Auto Insurance and will not cover you if the damages or the injured parties medical costs are more than your coverage, you would then be responsible for making those payments. Therefore, unless you drive only occasionally and then it is mainly in low risks areas, you may be better off purchasing more than the minimum coverage to help pay the costs if you are in an accident.
Discounts and Premiums
When trying to find the best policy for your Louisville Auto Insurance you want to be sure that you get the discounts you may be eligible for and that your premium is the lowest it can be for the amount of coverage you choose. The best way to find great rates is to request car insurance quotes from several places. With those in hand, you can clearly see which companies are offering the best prices.
Then you want to take it a step further and find out which of those companies offer the best discounts for your needs. Do your research and don’t be afraid to ask questions. Most companies offer discounts for a variety of reasons, such as multiple car policy, older drivers, older model cars and a clean accident free driving record may also get you a great discount.
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