The automobile insurance requirements in Kentucky are slightly different than most states. Residents are required by law to purchase a policy which has certain amounts of liability coverage, yet are given the choice of legally rejecting any Personal Injury Protection (PIP) by filling out a form and giving it to the state Department of Insurance. Although this additional coverage is optional, all Kentuckians are strongly encouraged to search for a policy that is as extensive as possible. One of the easiest places to begin is by comparison shopping. This method involves obtaining quotes from as many different insurers as possible and choosing the most appropriate policy that offers adequate protection and is competitively priced. Doing so often amounts to better priced and more thorough coverage.

Obtaining car insurance in Kentucky that fits a motorist’s needs is best achieved by evaluating the type of protection that is needed and comparing quotes based on the necessary product. For example, a driver that currently has a health care plan may be able to go without PIP, but others may benefit from this coverage since it could help pay for injuries that may be sustained in an accident. Other options that may be needed could include insuring a vehicle against physical damage. Consumers need to determine what the right type of policy should consist of in order to avoid being under-insured as well as paying for unnecessary options that may not be worth the premium. Once the desired product is established, a motorist should obtain quotes from as many companies as possible to assist in locating the most competitive rates.