Scottsville Car Insurance

Everything You Need To Know About Car Insurance in Scottsville

Find the right car insurance policy for you.

Scottsville, KY is a small town with a long history of true Southern hospitality. If you’re lucky enough to live in this city, you enjoy diverse opportunities to enjoy the arts, inviting outdoor scenery and some of the best fishing and hunting in the state of Kentucky. Whether you’re headed out to the Arts on Main summer concert series or you’re on your way to buy some freshly made molasses from the Noah Hoover Mennonites, make sure you’re covered with the best Scottsville car insurance before you get behind the wheel.

Our Independent Insurance Agents specialize in helping Scottsville drivers find the best auto coverage. They can walk you through all of your policy options and help you create a customized car insurance plan that gives you peace of mind even if you do wind up in a major collision. 

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

Saving money on your car insurance starts with a call to our Independent Insurance Agents. Our expert agents can help you search for the best discounts that make coverage more affordable. Best of all, they can provide quotes on multiple policies and allow you to compare all of the options before you choose a plan to cover your vehicle against the most common threats on the roadway.

Kentucky Car Insurance Requirements

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

As a driver in Kentucky, you’re legally required to have three levels of car insurance. You need bodily injury liability, which pays for medical expenses of other drivers if you cause an accident, along with personal injury protection to cover your own medical bills. You also need to look for property damage coverage to satisfy state requirements and cover the costs if your car does damage to another person’s personal property. Kentucky law requires drivers to have at least $25,000 in coverage for personal injury, $50,000 for all injuries in an accident and $10,000 for resulting property damage. 

Number of Uninsured Motorists in Kentucky

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

Despite laws requiring all drivers to be insured, Kentucky still has a major problem with uninsured motorists. When you get behind the wheel, 15.8 percent of the other drivers you pass are uninsured. If one of those drivers hits you or causes a major pileup, you’ll be stuck covering the cost of repairs and medical bills on your own. Uninsured motorist coverage is a relatively inexpensive option to add to your policy, but it pays off in major ways if you ever end up in an accident with an uninsured or underinsured Scottsville driver. 

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 imagine this scenario. You just packed up the car to head out for a long awaited family vacation. You’ve stashed your clothes, books, computer, and electronics in the trunk, and you make a quick stop at a Scottsville supermarket to pick up snacks for the drive. After you check out, you walk out to find that your car is missing. Suddenly you realize that your car – and everything inside of it – is gone forever. Auto theft is something most people never think about until it’s too late. Make sure your car insurance covers theft so you can replace your vehicle and all the items stashed inside if this terrible situation ever happens to you. 

Find a Great Scottsville Car Insurance Policy

Scottsville is generally a safe place to live and work in, but no one is immune to the threat of car accidents. From simple fender benders to major multicar pileups, Scottsville drivers have to deal with wrecks on a regular basis. Make sure you’re prepared by investing in the best car insurance policy. Our Independent Insurance Agents can help you navigate the complicated world of auto insurance and select a plan that protects you. 

If you’re ready to start shopping for the most affordable Scottsville auto insurance, contact an Independent Insurance Agent for a quote today.

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