Buy car insurance with the idea that you’ll need it

When buying car insurance, it's easy to believe you'll never need to file a claim in the future. This is particularly true if you have avoided trouble on the road in the past.

You buy car insurance to protect yourself in the event of an accident. For this reason, you should purchase a policy with the idea that you'll need to file a claim at some point.

There are common mistakes that drivers often make when buying car insurance, such as:

  • Opting for the highest available deductible because they think it's the best way to save money
  • Skimping on uninsured and underinsured coverage because they assume that every driver has the right level of coverage
  • Thinking it's okay to drive without any insurance (even though it's against the law)

If you make one or more of these mistakes now, you will come to regret it should you need to file a claim in the future.

Here are three tips you can follow to ensure that you buy car insurance that provides the necessary coverage in the event that you're involved in an accident in Kentucky:

  • Know the minimum requirements: This doesn't mean you should purchase the minimum, but it does give you a good jumping off point.
  • Request quotes for many different levels of coverage: This is the best way to understand what's available, as well as how much you have to pay for each type of policy.
  • Talk to your agent about ways to save: There are many ways to save that don't include skimping on coverage. For example, you may qualify for a variety of discounts, such as good driver, good student and being a member in some type of professional organization.

With the right car insurance in place, you'll feel better about your situation if the time comes to file a claim.

If you're involved in a car accident, don't wait to contact your insurance company to file a claim. Follow the guidance of your agent, all while taking steps to protect your legal rights. With this approach, you put yourself in position to obtain compensation for your injuries and other damages.

Visit our website for more information on all types of motor vehicle accidents.

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