Best cheap car insurance quotes in Barbourville
In Kentucky, state law
mandates a minimum amount of liability insurance
and personal injury protection (PIP)
coverage for every driver. Failing to buy and maintain a legal auto insurance policy could mean you lose your vehicle registration, pay a fine of up to $1,000, and spend 90 days in jail. Cheap minimum liability insurance quotes in Barbourville
The state of Kentucky requires all car owners to carry both liability insurance and personal injury protection (PIP).
The limits for liability car insurance are based on the 25/50/25 rule:
Alternatively, you can choose to buy a liability policy with a single total limit of $60,000.
Every car insurance policy sold in Kentucky meets these requirements and includes $10,000 of PIP. PIP is a type of no-fault coverage that covers medical bills for you and your passengers. However, accepting these benefits means giving up your right to file a personal injury lawsuit for bodily injuries under $1,000.
Since Kentucky is a "choice no-fault state," you have the option to reject both PIP and the limits on your right to sue by using the Kentucky No-Fault Rejection Form
. Whatever you choose, Jerry can assist you in finding the minimum car insurance coverage for the lowest possible price.
Coverage
State Minimum
Barbourville, KY
(Zip Code: 40906) Coverage
State Minimum
Barbourville, KY
(Zip Code: 40906) Coverage
State Minimum
Barbourville, KY
(Zip Code: 40906) Do you need more than minimum coverage in Barbourville?
Most motorists in Barbourville will find the state's minimum insurance coverage isn’t enough.
Consider this: the medical bills of a serious car accident could easily surpass your 25k liability limit (not to mention your $10,000 PIP limit). As for property damages, check out the price of a new car and you'll see that 25K of liability won't cut it if you need to replace a total loss vehicle.
Keep in mind that Kentucky's car accident laws
allow drivers to file a personal injury lawsuit for bodily injuries or property damages within two years after the accident. It's essential to plan for your liability coverage to stretch over the long term. The bottom line: To be on the safe side, opt for a liability insurance policy with 50/100/50 or 100/300/100 limits, and try to increase your PIP coverage as much as possible.
Cheapest full coverage car insurance quotes in Barbourville
A full-coverage auto insurance policy safeguards your car in the event of a serious accident. Full coverage includes the basic liability insurance (and PIP, if desired), plus two extra coverage options:
Collision coverage
covers the costs of repairs or a replacement if your car gets damaged in an impact with another vehicle or a stationary object, even if it’s your fault.Comprehensive coverage
pays for repairs or a replacement if your car suffers damage due to theft, vandalism, or weather-related incidents, such as a tree branch falling on your windshield.
Collision and comprehensive insurance may be add-ons, but they play a key role in protecting your investment. In fact, you may even be required to purchase full coverage if you have a vehicle lease or loan.
Don’t forget to check out uninsured motorist/underinsured motorist coverage
and roadside assistance for extra protection. Below are a few examples of what Barbourville drivers paid for auto insurance coverage after browsing free quotes with Jerry. Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
---|
• State Minimum Liability • Comp / Collision | Progressive | $138 | | Dodge Journey SE |
• 50,000/100,000 Liability • Comp / Collision | Travelers | $415 | | Nissan Rogue S |
• State Minimum Liability • Comp / Collision | AAA | $369 | | Hyundai Tucson SEL |
• State Minimum Liability • Comp / Collision | Clearcover | $208 | | KIA K5 GT Line |
Last Updated Oct 8, 2024
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