Your Local Kentucky Vehicle Insurance Experts
Auto Insurance Overview
Not all auto insurance policies are created equal. Many drivers end up paying too much for a policy that doesn’t cover their vehicle as completely as it should. Having gaps in your coverage can leave you vulnerable to heavy financial loss.
This is why the Curtis Owens Agency has helped drivers find superior protection since 1985. Our agents will work with you one-on-one to evaluate your risks and pair you with a car insurance policy fit for your needs.
How Much Auto Insurance Liability Do I Need?
Car insurance requirements vary between states. Generally, drivers need to carry a minimum amount of bodily injury and property damage liability. In Kentucky, you will need to carry:
What is Full Coverage Auto Insurance?
Full coverage auto insurance refers to the highest amount of coverage you can have on your vehicle. A full coverage policy generally comes with higher limits of coverages such as:
Common Auto Insurance Questions
Deductibles differ between policies. A higher deductible may lead to lower monthly premiums, but it also means paying more out of pocket when it comes time to file a claim.
Your car insurance policy will typically renew automatically each year unless cancelled. Setting up automatic payments for your premiums can help you avoid missing bills or late fees.
Auto insurance protects you and your family against hefty financial losses in case of an accident. Without auto insurance, you could face hundreds or even thousands of dollars in medical bills and damage repairs after an accident.
When you file an auto insurance claim, a claims adjuster from the insurer will calculate how much compensation you will receive based on your policy and the damage. Once a claim is approved, you will receive compensation.