Cheap Car Insurance for Immigrants in Kentucky

Performance level and cost of the vehicle you are insuring is one of the largest factors when quoting cheap auto insurance for immigrants in Kentucky. Vehicles with limited speed and performance, good safety features, or a low likelihood of liability claims will cost less to insure than fast, unsafe models. The data below illustrates auto insurance prices for some of the more afforable automobiles to insure.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Price information does not factor in specific garaging location which can affect coverage prices considerably.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Rate quotes do not factor in vehicle garaging location which can alter premiums significantly.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Estimates do not factor in zip code location which can revise auto insurance rates noticeably.

One of the many criteria that is looked at to help calculate insurance cost is where you choose to live. Areas with high crime rates or more dense population like Louisville, Ashland, and Paducah tend to have more expensive auto insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive cheaper rates.

The next table rates the priciest cities in Kentucky for immigrants to purchase a policy in.

Price information shown is approximated as the specific zip code location can lower or raise premiums noticeably.

Comparing quotes for reasonably-priced insurance is not most people’s favorite thing to do, and deciding which company offers the lowest-priced car insurance rates for immigrants may require a little more work. Every auto insurer uses a different method for determining rates, so we need to take a look at the overall cheapest car insurance companies in Kentucky.

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Cincinnati Insurance generally has some of the lowest car insurance rates in Kentucky at around $1,082 a year. Kentucky Farm Bureau, USAA, Auto-Owners, and Motorists Mutual would also make the list of some of the lowest-priced Kentucky auto insurance companies.

In the above rates, if you buy coverage from USAA and switched to Cincinnati Insurance, you might realize annual savings of in the neighborhood of $141. Kentucky drivers with Auto-Owners might save as much as $331 a year, and Motorists Mutual insureds might see rate reductions of $471 a year.

To get a quick, customized rate comparison, click here or quote rates from the companies below.

Bear in mind that those premium estimates are averages for all types of drivers and the different vehicles they drive and do not factor in a rate decrease for immigrants. So the company that can offer you the lowest price may not even be included in the list of companies above. That point stresses why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.

The information below highlights how deductible selection can impact insurance rates when getting quotes for cheap insurance for immigrants. The rate quotes are based on a married male driver, full coverage, and no policy discounts are applied.

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As shown above, a 50-year-old driver could lower rates by $226 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $344 by choosing a $1,000 deductible. Younger drivers, like the 20-year-old, could drop their prices $756 each year by using higher deductibles when buying full coverage. When raising deductibles, it will be important to have spare funds to enable you to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Is the best company Allstate, Progressive, State Farm, or Geico?

When it comes to buying auto insurance for foreigners in Kentucky, four of the best places to start are Allstate, Progressive, State Farm, and Geico. Between them, they insure almost half of the car insurance market in the United States. They all offer your standard coverages, but each one has slightly different coverage options that shoppers can choose from. The table below points out pricing and service ratings, as well as optional policy coverages that policyholders can buy.

How to find cheap auto insurance for immigrants in Kentucky

It’s not impossible to find cheaper rates, and here are many money-saving ideas that can help Kentucky drivers quote the cheapest car insurance.

• Remain accident-free and save
• Good credit can mean cheaper rates
• Do not pay for full coverage on older vehicles
• Lower rates by purchasing a safer vehicle
• Home or renters coverage can save on auto insurance
• Shop your coverage around for the best deal

The last tip is notably necessary, as we hit on in this write-up. Auto insurance rates in Kentucky fluctuate constantly, so don’t be unwilling to switch companies if a better rate can be found. Having a favorite company is fine, but is isn’t recommended if that inflexibility results in costing you thousands of dollars over several years. Spend a few minutes and shop around to find cheaper insurance for immigrants.