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Cheap Car Insurance in Lexington KY

Far too many consumers are paying more than they should for auto insurance in the Lexington KY area.

It is wise to occasionally request and compare quotes from various insurance companies who provide coverage in Lexington. At that point, a consumer can choose to change companies if a better deal is found.

What Is "No Fault Insurance?"

Some people think the term "no fault" is referencing who is responsible for causing or not causing an automobile accident. But that is not the case.

A term that is interchangeable with "no fault" is the term "Personal Injury Protection," otherwise known as "PIP." Briefly, here's an explanation of its meaning...

With PIP coverage your own insurance company will pay you for certain expenses you incur as the result of an automobile accident, no matter whose fault the accident was. Covered expenses would be things such as lost wages and medical expenses, etc.

Basic PIP coverage will pay up to $10,0000 for medical expenses and up to $200 per week for lost wages, among others.

Did You Know...?

- Distracted drivers are a factor in 25 to 50% of all automobile accidents. Some of the leading distractions are: cell phones and texting, eating, putting in a CD, talking to passengers, smoking, reaching for something.

- The color of your vehicle is not a factor that your insurance company uses to determine your rates.

- By law, if your vehicle is damaged in a wreck and the total damage equals more than 75% of the NADA value, it must be considered a total loss. (NADA means National Automobile Dealers Association.

Check It Out

As well as getting quotes from different companies to compare premium rates, check out each company's rating.

Several of the rating agencies to use are:

A.M. Best Company
Standard and Poor's
Firch Ratings
Weiss Ratings Inc.
Moody's Investors Service

Info For Quotes

Before requesting quotes, gather the necessary information, for example;

Info on all drivers, such as license number, birthdate, employer, etc.

Info on any accidents or traffic tickets in the last 3-5 years

Each vehicle's make, model, year, and VIN

Number of miles driven annually

Lender's info if there is a loan on the vehicle


If you find that your driving record or claims history keeps you from being able to get insurance through the regular insurance market, you are probably eligible to apply for auto insurance coverage through KAIP - Kentucky Automobile Insurance Plan.

Contact any agent or broker who is licensed to sell auto insurance in the state of Kentucky.

You must prove that you were turned down for insurance through regular means in order to qualify for KAIP. Other restrictions apply.

We are glad to be of assistance to you in your search for auto insurance coverage.

By using the box above to input your zip code, that will allow us to provide the quotes you'll need for comparison.

Thank you for giving us that opportunity.

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Auto Insurance Agents In Lexington KY:

Boggs Insurance Agency
1353 W Main St
Lexington, KY 40508

Creech & Stafford Insurance Agency
465 E High St
Lexington, KY 40507

Mark Emerson Johnson Agency
230 Lexington Green Cir Suite 400
Lexington, KY 40503

Tammy Norris
366 Waller Ave #102
Lexington, KY 40504

Greater Lexington Insurance
1066 Wellington Way
Lexington, KY 40513

Alliance Assurance Agency LTD
3306 Clays Mill Rd Suite 104
Lexington, KY 40503

Farm Bureau Insurance
1795 Alysheba Way #4101
Lexington, KY 40509

Sullivan Insurance Agency
635 N Broadway
Lexington, KY 40508

Kentucky Farm Bureau Insurance
1316 Versailles Rd
Lexington, KY 40504

Stephen Peter Toroni Agency
230 Lexington Green Circle Suite 400
Lexington, KY 40503

Slade & Collins Insurance
3320 Clays Mill Rd Ste 208
Lexington, KY 40503

Dwight McCarty
3620 Walden Dr
Lexington, KY 40517

Mayne Insurance
120 E Reynolds Rd #2
Lexington, KY 40517

Greater Lexington Insurance Agency
1066 Wellington Way
Lexington, KY 40513

Kentucky Ins & Invstmnt Group
3320 Clays Mill Rd
Lexington, KY 40503

Shelter Insurance
470 E New Circle Rd
Lexington, KY 40505

Bryan Joseph Mitchell Agency
252 E Third St
Lexington, KY 40508

Christy Ann Turner Agency
230 Lexington Green Cir
Lexington, KY 40503

Whitt Insurance Agency
2090 Harrodsburg Rd
Lexington, KY 40503

Triad Insurance
1216 S Broadway
Lexington, KY 40504

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