Justin

Justin…..thanks Glad I was able to assist you.

Can you give me tips on how I can have a cheap Kentucky auto insurance for students?

Abigail

Louisville, Kentucky

In the course of their studies, students may have to face various necessary expenses and among the highest of these are books and tuition. Car insurance costs should not be another burden for them. Getting a car insurance for students, especially young people, may be difficult to get at a lower price. However, there are many ways to acquire a cheap student car insurance as long as you know what factors will determine the amount of your car insurance premium. Among these factors are your gender, age, driving history and garage location.

You must be able to demonstrate that you can drive safely on the road. You can attend courses on safe and defensive driving from schools that are recognized by car insurance companies.

You must avoid substances abuse as much as possible. It is easier to keep a clean driving history if you can pay attention to car speed limits and other driving laws and regulations. Avoiding substance abuse will also keep you away from Driving Under Influence (DUI) and Driving While Intoxicated (DWI) cases. Having these cases will surely give you a headache as these will soar your car insurance premium higher.

If you have had a car insurance before and you have not been into road accidents or have not filed a claim against your car insurance policy, you may be able to have a cheap student car insurance because car insurance companies can offer you no-claims bonuses that can further lower your car insurance costs.

Keep excellent grades in your class. Some car insurance companies take into consideration the students’ scholastic records and offer cheap student car insurance to those with excellent school performance. For this matter, the average grade a student can have is B or higher to have a chance on discounted car insurance premium rates.

For students, getting a cheap car insurance may be hard in Kentucky. But as long as you can demonstrate that you are a responsible driver with discipline as shown on your scholastic records, you may be able to negotiate for a cheap car insurance.

Can I purchase Kentucky SR22 car insurance online?

Ben

Fayette, KY

Yes you can buy your SR22 auto insurance online but this will depend on the insurance company that you choose if this option is available from them. Most of the bigger  insurance providers, and even some smaller local companies, have started providing SR22 insurance online. You can search in this manner easily, by using comparison quote sites and other online information to be able to get the best insurer for you.

Several SR22 car insurance companies in Kentucky are seeing the profit involved in offering coverage for this risky driver policy, and have started to provide incentives to clients who select to do so. Normally this is done in the form of a discount online, where you can obtain 5-20% off of your SR22 insurance policy if you opt to buy your policy online.

My son just got charged with DUI. Now he’s shopping for SR22 insurance that he can use here in Kentucky so he can continue driving his car. How can he get an affordable SR22 insurance?

John

Louisville, KY

Cheap high risk car insurance Kentucky, or SR22 insurance, is quite difficult to attain because car insurance companies charge relatively high rates for the insurance of high risk drivers. In fact, not all car insurance companies provide SR22 insurance. If they do, they charge high rates while being too strict when it comes to payment of insurance premiums.

Your son may do several things to enhance his chances of getting cheap high risk car insurance Kentucky. First, shopping extensively is important in looking for a good provider of cheap SR22 insurance. He should put more time and effort in shopping for SR22 insurance, because chances are, he will receive pretty SR22 insurance quotes. So he must be patient enough in shopping for the company that gives the lowest SR22 insurance quotes.

Your son can get a better chance of gaining cheap high risk car insurance Kentucky if he proves he is a good payer. He should present a good credit rating to his insurer so that he can convince the company that he can pay his SR22 insurance premiums on time. Remember that SR22 insurance firms are strict when it comes to monthly payments. So if he can convince the insurer that he knows how to pay his bills on time, then he can get a cheaper SR22 insurance.

I am from Lexington-Fayette, Kentucky, and I heard that Kentucky is a no fault state. But what exactly is a no fault insurance?

Max

Lexington-Fayette, KY

Max, you are right. Kentucky is indeed a no fault state. So, this means that auto insurance policies there are a bit different than the standard ones that work in other states. Presently, there are 12 states that are no fault. These states are New Jersey, Hawaii, Kansas, Florida, Minnesota, North Dakota, New York, Pennsylvania, Michigan, Kentucky, Massachusetts and Utah. But there are three states that are under a choice no fault law and where you are right now, Lexington-Fayette, Kentucky, is among them along with New Jersey and Pennsylvania.

What this means is that the motorists have a choice to reject the lawsuit threshold and just retain the right to sue in court for any injuries that are involved in any vehicular accident. What you have to take note of is the nature of the no fault insurance system because no fault auto insurance is in fact misunderstood widely. No fault auto insurance is just a system that makes it compulsory for the drivers to carry insurance for their own protection, but at the same time it limits the capability of the drivers to sue the other parties or drivers for damages. By law, the no fault system makes your auto insurance companies pay for your damages, which have to be within your policy. The company would cover the payments regardless of who was at fault in the accident that the driver has involved himself in. The other drivers who are involved are going to be covered by their own insurance companies.

The good thing about this is that you are guaranteed immediate medical attention, and it also lowers the legal fees. Actually, there is still a lot more to know about this. Just ask around.

I was contacted by an insurance carrier in Owensboro and they told me that they compared their car insurance rates to our insurance carrier and they said they offer better car insurance rates. They said they were looking at our insurance policy and said we could get a better deal with them. How is it possible that they have access to our auto insurance information?

Desiree

Owensboro, KY

Normally a competing insurance company is not permitted to have access to your current insurance policy. For marketing, typically an insurer will look at your current registered cars and try to rate it with that. Competing insurance carriers/agents can access general information about you like your age, where you live, tax status, etc., however they should not have access to your actual car insurance policy without your permission. They are in violation of insurance privacy regulations if they do.

Most likely the insurance carrier that called you was using a marketing strategy to get your business. As for comparing their car insurance rates with your insurance carriers rates overall, that is possible since some insurers do publish sample insurance rate quotes. For instance, you live in Owensboro Kentucky, here the Kentucky Department of Insurance (DOI) provides a consumer guide that lists insurance carriers authorized to sell auto/homeowners/renters insurance in KY and those insurers have provided rate comparisons for certain situations.

If you believe that the insurance company that contacted you truly did have a copy of your car insurance policy then you can have the KY DOI, the insurance regulator for the state, investigate the issue and you can file a formal complaint with this state agency.

I would like to know what the penalties would be for driving a car that is not registered to me, or charge me with driving without car insurance in Louisville, Kentucky and failure to show proof of insurance? The vehicle was not mine. Can someone explain the Kentucky auto insurance requirements related to this issue?

Paul

Louisville, Kentucky

The penalties for driving a car without auto insurance in Louisville, Kentucky can be rather harsh. For the first violation you are cited to go to court and can be fined between $500 up to $1000 or a jail time for not more than ninety days or both.

Your Kentucky motor vehicle registration and license plates can be suspended for a year or until proof of automobile insurance is provided as well for the registered car owner of an uninsured car. License suspension for up to one year is also a possible penalty. The penalties for each subsequent offense of not having proper proof of car insurance, increase.

While you are not the owner of the vehicle in which you were operating, The Kentucky laws still hold you liable as a driver to make sure the vehicle you are driving is insured and be sure that there is proof of that insurance to show to police officer upon request.

If you want to know more about the specifics on the laws of Kentucky then you can contact legal attorney. An attorney may be able to advise you if there is any way to have your tickets transferred to the vehicle owner if you had asked about car insurance and were assured the automobile was insured and therefore were unaware that you were driving without auto insurance.

My daughter received a speeding ticket in Indiana and I am licensed in the Owensboro Kentucky. I would like to know if the state of Kentucky will be able to know about this? Will this affect her car insurance rate?

Jenny

Owensboro, KY

Kentucky and Indiana are both part of the Drivers License Compact which requires member states to report any offenses for other traffic violations back to the home state in which the individual was issued their license. Therefore the IN Bureau of Motor Vehicles or the court should notify the Transportation Cabinet of the speeding violation you received from a different state.

According to the Kentucky driver’s manual the Division of Driver Licensing keeps a record of all traffic violations on each driver licensed in KY. These driving records are based on traffic convictions reports, payment of fine, forfeiture of bail, with or without court appearances, which are forwarded to the Division of Driver Licensing by the courts throughout the US.

Your daughter may contact her auto insurance company to find out if this speeding ticket will increase her auto insurance rate.

I would like to know if the state of Kentucky has free windshield replacement coverage on my auto insurance? And if so, what do I do to get it?

Sandra

The answer is Yes. You can get your windshield replacement meaning no deductible is paid, in Kentucky however you must have Kentucky comprehensive coverage on your car. If you only have liability coverage on your car you will have to pay to get your windshield replaced.

So if you have Kentucky based comprehensive insurance, the Kentucky laws state that your insurance carrier will waive the deductible for windshield repair or replacement, which means no out-of-pocket expense for you.

If your windshield has been broken or cracked so that it needs replaced or repaired then you should make a claim through the comprehensive portion of your car insurance policy.