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Auto Insurance in La Grange, KY

Auto insurance is mandatory in Kentucky. It provides crucial financial protection against the potential costs of accidents and incidents involving the insured vehicle.

Contact 314 Insurance Advisors in La Grange, Kentucky, to build an auto insurance plan to meet your needs.

How Much Auto Insurance Do I Need in Kentucky?

The auto insurance you need in Kentucky depends on several factors, including state requirements and your circumstances. Kentucky requires drivers to carry minimum amounts of bodily injury liability coverage, property damage liability coverage and personal injury protection (PIP).

If you finance or lease your vehicle, your lienholder typically requires full coverage insurance, which may include comprehensive, collision and guaranteed asset protection (GAP) coverage.

Your agent may recommend higher coverage limits or additional types of coverage to protect your assets and provide greater financial security in case of an accident.

What Does Auto Insurance Cover?

Auto insurance may include the following coverage:

  • Bodily injury liability coverage may help pay for injuries to others in an accident up to the policy’s dollar limit.
  • Property damage coverage may help pay for damages to other people’s property up to the policy’s dollar limit.
  • Collision coverage may help pay for damage to your vehicle resulting from an accident involving another car or object.
  • Comprehensive coverage may help cover non-collision-related damages such as theft, vandalism or natural disasters.
  • GAP insurance may help pay off your financed or leased vehicle if it is a total loss after a covered accident.
  • PIP coverage may help pay for lost wages, medical expenses and other out-of-pocket expenses due to an accident-related injury for the insured person and their passengers, regardless of fault.

Your auto insurance policy is highly customizable and can include coverage for numerous risks and perils.

How Many Auto Insurance Claims Is Too Many?

In general, multiple claims within a short period, such as three or more claims within a year, may lead to higher premiums or even policy cancellation. Be mindful of filing claims only for significant damages and practicing safe driving habits to minimize the need for frequent claims.

How Far Back Do Auto Insurance Companies Look?

Auto insurance companies typically look back a few years into your driving history when determining your rates and eligibility for coverage. The exact timeframe varies, but insurers typically review the past three to five years of your DMV record to look for accidents, tickets and other violations.

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Contact 314 Insurance Advisors to get a personalized auto insurance quote.