Best cheap car insurance quotes in Middlesboro
Kentucky’s car insurance laws
require drivers to carry a minimum amount of liability insurance
and personal injury protection (PIP)
coverage to drive. If you don't purchase and maintain a legal auto insurance policy, you could face the loss of your vehicle registration, a fine of up to $1,000, and even 90 days in jail.Cheap minimum liability insurance quotes in Middlesboro
The state of Kentucky makes it mandatory for auto-owners to carry both liability insurance and personal injury protection (PIP).
The limits for liability car insurance follow the 25/50/25 rule:
Alternatively, you may also opt for a liability policy with a single total limit of $60,000.
Every car insurance policy sold in Kentucky meets the minimum limits and comes with $10,000 of PIP, a no-fault type of coverage
that pays the medical bills for you and your passengers. These benefits come at the cost of signing away your right to file a personal injury lawsuit for any bodily injuries under $1,000. However, since Kentucky is a "choice no-fault state
," you can reject both PIP and the limits on your right to sue using the Kentucky No-Fault Rejection Form
. Regardless of your choice, Jerry can help you find the bare minimum coverage for the bare minimum price.
Coverage
State Minimum
Middlesboro, KY
(Zip Code: 40965) Coverage
State Minimum
Middlesboro, KY
(Zip Code: 40965) Coverage
State Minimum
Middlesboro, KY
(Zip Code: 40965) Do you need more than minimum coverage in Middlesboro?
For most drivers in Middlesboro, the state minimum insurance coverage is not enough.
For example, it’s not unusual for medical expenses after a severe car accident injury to climb beyond the minimum 25k liability limit—let alone the minimum $10,000 of PIP coverage. And you only have to look at the price tag of most new cars to see that $25,000 of property damage coverage won’t be sufficient to replace a total loss vehicle.
Don’t forget that Kentucky’s car accident laws
allow drivers to file a personal injury lawsuit for either bodily injuries or property damages for up to two years after the accident. You must plan for your liability coverage to last over the long run. The bottom line: Take a liability insurance policy with 50/100/50 or 100/300/100 limits just to be safe, and increase your PIP coverage as much as you can.
Cheapest full coverage car insurance quotes in Middlesboro
A full-coverage auto insurance
policy is the best way to shield yourself from the cost of repairing or replacing your car after an accident. It includes the minimum liability insurance plus two coverage options: Collision coverage
pays for repairs or a replacement if your car is damaged in an accident with another vehicle or stationary object, even if it’s your fault.Comprehensive coverage
pays for repairs or a replacement if your car is damaged by theft, vandalism, or a weather-related incident, like a tree branch dropping on your windshield.
Collision and comprehensive insurance may be optional, additional coverages, but they go a long way toward protecting your peace of mind, not to mention your investment. A bank may even put a full coverage policy in the conditions of your vehicle lease or loan.
Besides full coverage, you might also want to look into uninsured motorist/underinsured motorist coverage
or roadside assistance. Here are a few examples of what Middlesboro drivers paid for extra protection after searching for free quotes with Jerry: Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
---|
• State Minimum Liability • Comp / Collision | Progressive | $166 | | Honda Accord SE |
• State Minimum Liability • Comp / Collision | AAA | $164 | | Honda Accord LX |
• State Minimum Liability • Comp / Collision | Safeco | $184 | | Honda Accord SE |
Last Updated Nov 10, 2024
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do the comparison shopping for you while knowing there’s a team of insurance agents ready to answer your questions.