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Covington Car Insurance

Worried your Covington car insurance rate is too high? You are not alone. Many Covington residents are (and have been) over-paying on their Kentucky car insurance every year simply because they do not do their homework. The average Kentucky resident spends over $1,700 per year on car coverage; this is almost $200 more than the national average . However, you do not have to be paying this much. If you are spending over $1,700 on Covington auto insurance annually, then you need to ask yourself (and your Covington car coverage carrier) why!

Low Cost Covington, KY Insurance

Covington car insurance is essential on the roads today. You want to ensure that your car as well as your family is protected from dangers both on and off the roads. Not only are there road accidents everyday due to inexperience drivers, speeding, road rage, drinking while driving and distracted driving, but there are also dangers due to the weather conditions, poor road conditions and heavy flow of traffic. Furthermore, you also want to look for a policy that will pay for the damages incurred due to vandalism, theft, storms or other erratic weather conditions.

It is against the law to drive without at least some level of vehicle coverage. The state of Kentucky has a minimum coverage plan often referred to as 25/50/10. This includes bodily injury liability with a limit of $25,000 per injured person up to a total of $50,000 per accident as well as property damage liability with a limit of $10,000. However, many Covington residents will choose a benefit plan with higher coverage to protect their loved ones more fully. One of the more common benefit plans is called 100/300/50 which includes bodily injury liability with a limit of $100,000 per injured person up to a total of $300,000 per accident as well as property damage liability with a limit of 50,000. This is a more comprehensive coverage option.

You do not have to sacrifice this level of protection in order to save on Covington car insurance. There are several ways you can lower your premium by anywhere from five to 40 percent without having to reduce your protection, and searching for online automobile insurance quotes is a way to start.

Kentucky Car Insurance Discounts

One way to save on your Covington car insurance is to always check your driving record and keep it as clean as possible. Your driving record is directly related to your car coverage quote. If you have an excellent driving record and have been on the road for a while, you will most likely be classified as a "Preferred Driver" which means you will be offered lower discounts on your Covington car insurance. Those with a mediocre driving record may be put in the "Standard Driver" category while those who have poor driving records, including previous traffic violations, unpaid tickets and convictions will end up in the "Non Standard Driver" category. Those who are new to the road may also be categorized as a "Non Standard Driver" as they have not had the time to prove themselves yet.

Even if you are classified as a "Standard" or "Non Standard" driver, you will still be able to lower your premium by staying safe on the road, participating in a driver's education course and always shopping around for a company that can help you out. You will also be able to benefit from cheap policy coverage by asking for a better rating every year - do not let your current Covington carrier dictate the price you pay each year.

Another way to save on your Covington automobile insurance is to look into the theft and safety rating of your cars. If you are in the market for a new vehicle, check the Safety Rating of the car you choose to purchase. The Insurance Institute of Highway Safety rates every car. Some of the 2010 models that come with a 5 star safety rating (and thus a lower insurance premium) include the Honda Odyssey, Dodge Grand Caravan, Mazda Tribute, Chrysler Town and Country and Toyota Sienna. If you are not in the market for a new car, you can still lower your coverage premium by investing in additional safety features and anti-theft devices.

Covington Car Insurance Quote

Anyone, regardless of what type of vehicle they drive or what category of insurance they are classified under, can benefit from a simple online search of various Covington carriers. With a simple search, you will have instant access to a number of Covington vehicle insurance companies who all want your business. Compare the different policies and discounts to determine the best one for your situation. Keep in mind that the best policy for you and your family may not be the cheapest one. It is important to find that happy medium between quality and quantity. With an online search, this happy medium is only a click away.

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