Will Car Pooling in Kentucky Lower Your Insurance Rates?
Reader’s Question:
I have been a full-time mom since I gave birth to my son. Now he is 4 and is attending pre-school. I have recently volunteered my car for carpooling and I am curious if this qualifies me for a lower motor vehicle insurance cost. I live in Kentucky.
Moira
Louisville, KY
The price of gasoline is shooting up. That’s an unfortunate fact that car owners will have to deal with everyday. One of the simple ways to save on gas is carpooling. Many have resorted to carpooling to get to work or school, and to cater to the changing times, motor vehicle insurance providers have devised discounts to reward motorists who use their cars less. Since you have agreed to start carpooling, it’s quite possible that you would be eligible for a lower motor vehicle insurance rate. If you have been carpooling for quite some time, and have not been receiving the rate adjustment, all you need to do is contact your insurance agent and ask him or her what you need to present as proof that you indeed share a ride. Once you have gathered all the necessary documents and whatever else they may require, submit it to your agent and inquire if you are entitled to a refund. If you are, they would usually apply the difference to your next policy statement. The terms and conditions on this particular issue may vary between motor vehicle insurance providers in Kentucky. Some may offer less and others may offer more. Each one may require different forms of proof. Besides inquiring from your agent, you could also seek out information on your own by visiting various websites on this topic and get up to date on the issue.
Is Kentucky Auto Insurance Program Offering SR22 Insurance?
Q: What is the Kentucky Auto Insurance Program, and can I get my DUI SR22 through it?
A: The Kentucky Auto Insurance Program is a program for people who have trouble finding a company which will sell them insurance, in many cases SR22 insurance. People who can’t find insurance can join the assigned risk pool by filling out an application, and the AIP will then give their application to a participating company. All car insurance companies who are license to sell insurance policies by the state of Kentucky are required to participate in the Auto Insurance Program.
You can get any kind of SR22 coverage through the AIP, but the prices will be higher, so you should only submit an application there if you cannot get insured otherwise. In order to qualify to join the AIP pool, you have to have been rejected by an insurance company within two months of your application, and be able to provide proof that you have been rejected, so you have no choice but to do some shopping around first.
Since you are getting SR22 insurance, remember that there are some time constraints. If you apply to join the AIP pool, it takes about 15 days for you to actually get insured.
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