The Facts about Kentucky Auto Insurance

Having the right insurance plan to cover your car, motorcycle, or any other type of vehicle used for transportation provides insured security in case of an accident, injury, theft, or damage. In Kentucky, state law requires that any passenger vehicle or street legal motorcycle must carry the minimum coverage. Determining what type of coverage you need to insure your mode of transportation and putting an insurance plan into action ensures you are lawfully operating a vehicle in McCracken as well as providing peace of mind for those driving or riding insured vehicles.

Kentucky Auto and Motorcycle Insurance

Auto and motorcycle insurance for drivers living in McCracken County in Western Kentucky requires drivers to carry the minimum coverage of liability insurance. There are three levels of coverage: property damage, bodily injury per person per accident, and all bodily injuries incurred in a single accident. As of 2013, drivers in the state of Kentucky can select the minimum liability coverage set at $10,000 for property damage, $25,000 per person bodily injury, and $50,000 for all bodily injuries. Drivers can also choose a single limit plan that covers liability coverage at a lower premium set at $60,000.

Kentucky law has specific rules in place specifying what constitutes a street legal motorcycle. Motorcycle drivers must adhere to the same insurance requirements and traffic laws that apply to passenger cars.

Quote Comparison

Whether you are researching for insurance for yourself, family members, teen drivers, or signing as guardian for a driver under age16 to operate a car or motorcycle, to make the best decision, request quotes and compare prices from several independent insurance carriers including top agencies such as Advantage Insurance Services. With the best option in place, your agent can implement an insurance plan that fits your budget while satisfying mandatory coverage required by Kentucky.