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.

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.