Auto Insurance Insights & Resources

Navigate the road to better auto insurance with expert articles, coverage guides, and money-saving tips. Learn about liability, comprehensive coverage, discounts, and more.

Liability Coverage Collision Comprehensive Uninsured Motorist

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Your Auto Insurance Journey

1. Research

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2. Quote

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3. Purchase

Choose your policy

4. Protect

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Auto Insurance Coverage Types

Liability Coverage

Required coverage that protects others if you cause an accident

Bodily Injury
Medical expenses for others
Property Damage
Damage to others' property

Collision Coverage

Covers damage to your vehicle from accidents

Accident Damage
Repairs after collisions
Hit & Run
Unidentified driver damage

Comprehensive Coverage

Protects against non-collision damage

Theft & Vandalism
Stolen or damaged vehicle
Natural Disasters
Weather-related damage

Available Discounts

Safe Driver (15%)
Multi-Policy (15%)
Good Student (10%)
Anti-Theft (5%)
Low Mileage (10%)
Telematics (20%)

Latest Auto Insurance Articles

Aug, 2025 Insurance Louisville

Liability Car Insurance: What It Covers and Costs

Understand Kentucky's 25/50/25 limits, what BI and PD cover, average costs in Louisville, and how much coverage you may need.

Read More 6 min read
Aug, 2025 Insurance Louisville

Full Coverage Car Insurance: Do You Need It?

Comprehensive vs collision, when full coverage makes sense in Louisville, and typical premiums by driver profile.

Read More 5 min read
Aug, 2025 Insurance Louisville

Best Car Insurance Discounts in 2025

Unlock savings with safe driver, low-mileage, multi-policy, and telematics-based discounts available in Kentucky.

Read More 7 min read
Aug, 2025 Insurance Louisville

Bundle Home and Auto: Top Options in 2025

How bundling can save up to 30% and what to compare between carriers in Louisville.

Read More 4 min read
Aug, 2025 Insurance Louisville

GAP Insurance in Louisville: What It Is and When You Need It

Financed or leased? Learn how GAP covers the difference between what you owe and your car's value after a total loss.

Read More 5 min read
Aug, 2025 Insurance Louisville

Uninsured Motorist Coverage: What It Covers and Costs

Understand Kentucky's 25/50/25 limits, what BI and PD cover, average costs in Louisville, and how much coverage you may need.

Read More 6 min read
Aug, 2025 Insurance Louisville

How a Speeding Ticket Affects Insurance

Average premium increases after a ticket in Louisville and steps to lower your costs quickly.

Read More 4 min read
Aug, 2025 Insurance Louisville

Louisville vs Pittsburgh: Compare Car Insurance

How rates, risk, and coverage options differ between the two cities in 2025.

Read More 5 min read
Aug, 2025 Insurance Louisville

Does Credit Score Affect Car Insurance?

Why insurers use credit-based insurance scores in Kentucky and tips to save if your score is low.

Read More 6 min read

What Affects Your Premium

Age & Experience
Younger drivers typically pay more
High Impact
Vehicle Type
Luxury and sports cars cost more
Medium Impact
Location
Urban areas have higher rates
Medium Impact
Driving Record
Accidents and tickets increase costs
High Impact
Credit Score
Better credit = lower rates
Medium Impact
Coverage Level
More coverage = higher premium
High Impact

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