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Lexington Car Insurance

Purchasing Lexington car insurance may not be on your list of most exciting things to do this year but we all need to do it. Regardless of whether you are constantly on the go driving state to state or if you only occasionally drive your car around the streets of Lexington, KY, you will still need to insure your vehicle for those ‘what if' moments. Not only is it against the law to drive without Kentucky car insurance but it is also a dangerous practice. There are accidents on the road every single day - if you are not protected then you could be looking at thousands of dollars in personal injury and property damage. However, this does not mean you need to accept a high premium for your Lexington car insurance. There are ways to save on your annual premiums so you can remain protected on the road without sacrificing your life savings.

Low Cost Kentucky Car Insurance

Before you look for discounts on your Lexington auto insurance, it is important to understand the various factors involved in your Lexington coverage premium. Contrary to popular belief, Lexington coverage carriers do not just pull an online automobile insurance quote from anywhere - there are a number of factors that will determine your eligibility for lower coverage premiums. If you have been driving for a long time, always pay your coverage premium on time, have had no accidents or traffic convictions and drive a safe vehicle, then there is no reason why you should be paying a high premium on your car insurance. However, if you are under the age of 25 or new to the road, if you are constantly driving, if you have a poor driving record and payment history or if you are planning to a insure speedster, foreign model or small car with a lower collision and safety rating, then you can expect your Lexington car insurance premiums to be much higher. Someone who drives a 2010 Honda Odyssey is going to be offered a much lower discount for their Lexington car insurance than someone who wants to insure a 2010 Porsche.

Coverage Options Lexington Vehicle Insurance

The amount of coverage you choose will also determine the price you will pay. The state of Kentucky has a minimum coverage plan often referred to as 25/50/10. The 25/50/10 plan 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.

This basic coverage will keep you protected during a car accident and will take care of the damages you cause to other drivers, if the accident is your fault. If you are under a ‘no-fault' system, then your vehicle will also be protected under this coverage, up to a certain amount. However, many Lexington residents find that this level of car insurance simply is not enough, especially if they drive an expensive vehicle or if they have a family. 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.

Many will also choose to include the optional coverage extras such as comprehensive coverage, uninsured motorist coverage, personal injury protection and collision coverage. These coverage types will pay for any damages to your vehicle during a crash, regardless of who is at fault, during a collision or if an ‘act of God' damages your vehicle. This includes protection from storms, hail, ice, wind, theft and vandalism. Personal injury protection will cover the medical expenses and loss of income as well as some rehabilitation and funeral costs if the accident causes serious damage or fatality. Uninsured motorist will protect your car and your passengers if the other driver of the accident does not have adequate insurance. Of course, the more protection you have, the higher your Lexington car insurance premium will be.

Lexington Car Insurance Quote

If you have been resigned to the fact that over-paying for car insurance every year is just part of your life, it is time to do something about it. The best way to save on your Lexington automobile insurance this year and every year after that is to perform an online search and comparison of various Lexington carriers. A simple online search can end up saving you anywhere from 5 to forty percent on your coverage plan. You will instantly be connected to a number of Lexington, KY companies that can provide you with the coverage options as well as the policy discounts that you have been looking for.

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