Drivers seeking to obtain Kentucky car insurance need to be aware of the laws of the state, the factors that will determine their rates, and the process for getting insured. The legal requirements are 25/50/10. That means you must have $25,000 in bodily injury per person, $50,000 bodily per accident, and $10,000 in property liability coverage. It is wise to carry beyond state minimums. Beyond just meeting state requirements, your rates will be affected by other factors you need to be aware of.
Auto theft rates in your area will have a direct impact on your Kentucky car insurance premiums and deductibles. Luckily, Kentucky is not one of the top 10 states for auto theft. However, that doesn't mean that drivers in the Blue Grass state don't need to look at auto theft rates when looking for coverage. The Insurance Information Institute has identified the 10 vehicles most commonly stolen in 2007. If you drive or buy one of these cars you can expect your rates to be higher. They are:
Having appropriate anti-theft devices installed in your car can help to reduce those rates. Car alarms, steering wheel bars, ignition shut-off devices, and VIN etchings, and vehicle recovery systems are all options. Car burglar alarms are a good idea, and may get you a discount on your Kentucky car insurance rates. Window sketching etches your car's VIN number into the window glass and prevents thieves from changing that number. You can also get a device that will stop the electrical system from working so that a would-be thief cannot start your vehicle.
Better yet, a vehicle recovery system like LoJack is an added insurance of its own. A transmitter is hidden in your vehicle, and if the car is stolen, the police are able to locate it within hours. Over a million cars were stolen last year, and those with LoJack systems installed tout a 90% recovery rate. To determine how much purchasing a LoJack will lower your Kentucky car insurance minimums you will want to talk to an agent as discounts vary in different states and with different providers. Some will give discounts up to 30%. However, consider that if your car is stolen you are likely to be without transportation, to lose time filling out paperwork and looking for a new vehicle, to have your insurance rates raised and to incur the cost of a rental car until you purchase a new vehicle.
Kentucky car insurance discounts are proportional to the cost of the device, with the LoJack being the most expensive and offering you the best discount. In order to make the best decision, take some time to get quotes from a number of insurers and make a point to ask about discounts that you are eligible to receive. There are a number of providers who want to provide you with Kentucky car insurance, so use this fact to your benefit.