Elizabethtown Car Insurance

Everything You Need To Know About Car Insurance in Elizabethtown

Find the right car insurance policy for you.

Known by the locals as “E-Town,” Elizabethtown is one of Kentucky’s most intriguing communities. This is one of two large towns located along Interstate 65 between the big cities of Nashville and Louisville. With easy access to the amenities of more urban areas and all the perks of small town life, Elizabethtown, KY is really a great place to live and work in. Unfortunately, residents of E-Town aren’t immune to auto accidents. In fact, Kentucky’s high number of fatal accidents is a major cause for concern. During previous years, there were 672 fatalities from car crashes in Kentucky along with 22,958 nonfatal collisions. Before you get behind the wheel, make sure you’re protected with the best Elizabethtown car insurance. 

Our Independent Insurance Agents take the guesswork out of car insurance. Our friendly agents can provide quotes on multiple policies, making it easier for you to find affordable auto insurance coverage quickly. Forget spending hours shopping around between agents trying to make a one-size-fits-all policy work for your unique needs. Our Independent Insurance Agents understand that every driver is different, and they work with you to create a customized plan to give you the coverage you need at a price you can afford. 

  • National average cost per year: $1,311
  • Kentucky average cost per year: $1,341
  • 21st most expensive auto premium in the U.S.

Finding affordable car insurance isn’t impossible. In fact, with help from our Independent Insurance Agents, it’s easier than ever before. Our agents have access to a wide network of coverage options and can provide multiple quotes so you can find the best rates on your auto plan. Ultimately, your premium will depend on several variables like your age, the make and model of your car, and your driving history. 

Kentucky Car Insurance Requirements

  • Body injury liability: required
  • Property damage reliability: required
  • Personal injury protection (PIP): required
  • Minimum liability limits: 25/50/10

Drivers in Elizabethtown are legally required to have car insurance. In fact, Kentucky state law stipulates that drivers must have three types of insurance coverage. First, you need bodily injury liability coverage to pay for medical bills if you cause an accident where another driver or that driver's passengers are injured. Secondly, you need personal injury protection to make certain you can afford your own medical costs after an accident. Finally, the law requires every driver to have property damage coverage to pay for damage to another person’s property caused by an accident. In Kentucky, the law requires you to have a minimum of $25,000 in coverage for personal injury, $50,000 for bodily injury, and $10,000 for property damage. 

Number of Uninsured Motorists in Kentucky

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Kentucky drivers: 15.8%

Statistics show that 15.8 percent of Kentucky drivers are uninsured, posing a major threat to other drivers every time they get behind the wheel. If you are hit by a driver that isn’t insured, how would you pay for vehicle repairs? If you’re hurt, would you be able to cover the cost of medical bills? Uninsured motorist coverage is a fairly inexpensive coverage option, but it is a smart investment for Elizabethtown drivers. If you end up in a car accident with an uninsured or underinsured party, having this type of coverage removes the financial burden and allows you to move on with your life. 

Number of Auto Thefts in Kentucky

  • National number of thefts for 1,000 vehicles: 2.94
  • Number of thefts for 1,000 vehicles in Kentucky: 1.87

Take a moment to picture this scenario. You’re about to head out of Elizabethtown to spend the day shopping in Nashville, but just before you turn onto I-65, you make a quick stop to grab some coffee and get cash from the ATM. While you’re inside the store, someone comes along and steals your car. When you return to the parking lot, you immediately get a sinking feeling. Your car isn’t where you left it, and now you have no transportation. Auto theft is something that every Elizabethtown driver has to stop and think about. While it’s not extremely common, it does happen occasionally. Make sure you choose a car insurance policy that includes coverage for auto theft. Then, if your car does get stolen, your insurance will pay to replace it. 

Find a Great Elizabethtown Car Insurance Policy

Elizabethtown is a beautiful place to live and work in, but the crowded roadways pose a serious risk to every driver. Our Independent Insurance Agents will guide you through the process of selecting the best car insurance so you are always covered if you have an accident or your car is stolen. With help from our experienced agents, you can compare multiple quotes and find the most reliable, affordable plan for your auto insurance. 

Contact an Independent Insurance Agent today to learn more about how you can find the best Elizabethtown auto insurance. 

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