For drivers in Kentucky, online auto insurance shopping can save them a lot of time and money. Rates fluctuate greatly from one company to another and therefore, in order to save money and get the best policy possible, you need to shop around. Online auto insurance shopping takes a task that was once time consuming and makes it quick and accurate. Get started today by learning about the type of coverage you need in Kentucky.

Online Auto Insurance: Kentucky No-Fault Coverage

In the state of Kentucky, there is true no-fault auto insurance coverage. What this means is that when accidents occur, each person injured must first make claims to his or her own car insurance. The state has put in monetary restrictions when it comes to lawsuits regarding bodily injury. You may only sue the other party if your medical expenses exceed the preset amount. Otherwise, it is your insurance policy that pays. However, Kentucky is also considered a choice no-fault state. Essentially this means that if you prefer, you can opt for tort liability instead of no-fault.

Online Auto Insurance: Mandatory Kentucky Coverage

Compulsory PIP or personal injury protection is the coverage that Kentucky mandates all drivers to carry in order to make the no-fault system of insurance work. In addition to PIP, all drivers must carry liability coverage of $25,000 for bodily injury per individual; $50,000 for bodily injury per accident in total; and $10,000 for property damage per accident.

Online Auto Insurance: Optional Kentucky Coverage

Collision coverage will take care of the cost of repairing or replacing your vehicle if it is involved in a moving accident. Comprehensive coverage takes care of your vehicle if an accident occurs while it is not moving, such as theft, fire and storm damage, amongst others. Both these types of coverage make up what is collectively known as personal property coverage, which is mandatory for vehicles which are financed, according to finance companies. If your vehicle is not financed, the choice is yours. However, consider the vehicles worth, the added cost of premiums, your financial situation and the risk of needing such coverage before making your choice.

Another type of auto insurance that is important to carry but is optional in the state of Kentucky is uninsured/underinsured motorist coverage. UM provides for you if you are in an accident with someone who does not carry car insurance. In the state of Kentucky a whopping 17.8% of drivers are uninsured, making them the 8th highest state for uninsured drivers. This means that UM is more important to carry in Kentucky than in most other states. Get Kentucky Online Auto Insurance Now!