Best cheap car insurance quotes in Hickory
Kentucky car insurance law mandates drivers to maintain minimum liability insurance along with basic
personal injury protection (PIP) coverage. Failure to obtain and maintain insurance on a vehicle can result in registration revocation, a fine of up to $1,000, and up to 90 days in jail.
It’s important to follow state insurance laws to financially protect yourself and others in case of an accident.
Cheap minimum liability insurance quotes in Hickory
There are two types of basic minimum liability insurance coverage in Kentucky. The first type of required insurance is
liability car insurance, which is referred to as 25/50/10 coverage, breaks down as follows:
Alternatively, the second type of minimum liability coverage auto owners may opt for is a single policy limit of $60,000.
In addition to liability coverage, all car insurance policies in Kentucky automatically come with $10,000 of basic PIP benefits. In exchange for these benefits, drivers agree to limitations on their right to sue other drivers for bodily injury under $1,000.
But because Kentucky is a so-called “choice no-fault state,” it’s possible to reject the PIP coverage—and the limitations on your right to sue—in writing using the
Kentucky No-Fault Rejection Form.
No matter what choice you make, Jerry can help you find a policy with the minimum requirements for the lowest rate available.
Hickory, KY (Zip Code: 42051)
Hickory, KY (Zip Code: 42051)
Do you need more than minimum coverage in Hickory?
Most drivers in Hickory need higher liability coverage than the 25/50/25 state minimum mandated by Kentucky car insurance laws.
In an at-fault accident, you could be responsible for medical bills and vehicle repairs well over the 25/50/25 limit, especially if you cause severe injuries to another person. If the car is totaled, the cost to replace it can easily climb above $40,000—well past that $25,000 property damage limit.
It’s important to note that
Kentucky’s car accident laws allow drivers to file bodily injury and property damage lawsuits for up to two years after a car accident—so your liability extends long past the initial accident!
The bottom line: For better financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to protect your car with full coverage.
Cheap full coverage car insurance quotes in Hickory
Full coverage car insurance is the only way to protect yourself from costs associated with repairing or replacing your vehicle.
Collision coverage insures your vehicle in the event of a collision, regardless of fault. If your car is damaged in an accident, collision coverage helps cover repair or replacement costs up to the vehicle's actual cash value.
Comprehensive coverage covers damage to your vehicle not caused by a collision. It typically includes theft, vandalism, fire, natural disasters, falling objects, and certain types of animal-related damage.
While a full coverage policy tends to come with higher annual premiums, most drivers find that the peace of mind is well worth it. And if your car is financed or leased, your lender will require it. Jerry can assist you in purchasing a foul coverage plan that also aligns with your financial goals.
On top of a full-coverage policy, you can purchase
uninsured motorist coverage to guard against uncovered injuries or damage in an accident caused by a driver without car insurance.
The table below shows some recent examples of the cheapest Hickory full coverage quotes that Jerry’s agents helped our customers obtain.
|Insurance Coverage||Insurance Company||Premium (monthly)||Customer||Car|
• State Minimum Liability
• Comp / Collision
|Nissan Altima 2.5|
Last Updated Sep 30, 2023
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