How Much Kentucky Car Insurance Do You Need to Have?

If you want ten times the insurance, that doesn’t mean it’ll cost you ten times as much. Your insurance agent may not tell you that additional insurance will not cost you that much more unless you ask. Why? It’s because it’s a bad deal for the insurance company but a good deal for you.

Related: Questions To Ask Your Auto Insurance Agent

Ask your insurance agent about cost
Ask your agent how much it costs to raise each type of coverage to the next level. For example, if you raise your PIP from $10,000 to $20,000, how much more would you premium cost? If you raise your Uninsured Motorist and Underinsured Motorist Coverage from $25,000 to $50,000 or $100,000, how much would your premium cost? You need to be informed! Knowledge gives you the power to financially protect you and your family.

Independent insurance companies
It may sound like we’re being hard on insurance agents. However, this is not the case.  What we don’t like is a situation where you are not given the opportunity to find out exactly what you are buying and don’t have your questions answered.

Fortunately, there are many excellent insurance agents that truly care about their customers. In general, most independent insurance agents are trained or have learned that they need to aspire to sell the higher limits and umbrella policies. They do this to make sure their customers are adequately insured. They bring it up every chance they get because it is better for their customers and they care. They want you to be protected. They don’t want you to suffer. Find a good agent. That in combination with the tools and knowledge will help you to financially protect your family with the right insurance coverage.

Related: What Is Full Coverage On Your Car?

Buy the coverage that is right for you
The bottom line is you need to buy as much insurance as you can afford to protect you and compensate you fully if you are in an accident. Make sure to ask your insurance agent questions about your coverage. We all know that insurance can be expensive and prices vary per insurance company.  Do research on different insurance companies before you commit to one. You can do this by comparing customer reviews online, comparing rates online, asking friends and family about their insurance company or calling potential companies. This will give you a better idea of how much car insurance you should buy and how much it should cost you.

Michael Schafer
The Personal Injury Attorney for Louisville and Kentucky
1 Comments
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by Seattle car insurance November 5, 2012 at 01:42 AM
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