Who Has the Cheapest Car Insurance Quotes for Infrequent Drivers in Kentucky?

For Kentucky drivers, one of the things that auto insurance companies use to determine the price of your policy is where your home is located in Kentucky. Regions with more people or even just more weather-related claims like Louisville, Jeffersontown, and Radcliff are more likely to pay higher prices, whereas areas with less congestion generally pay less for auto insurance.

The following table displays the more expensive cities in Kentucky for infrequent drivers to buy an auto insurance policy in.

Information shown are comparative as the specific Kentucky residence address can increase or decrease auto insurance rates greatly.

The vehicle driven is one of the biggest factors when consumers are trying to find low-priced coverage for infrequent drivers. Vehicles with high performance engines, a lack of modern safety features, or a high likelihood of having liability claims will cost much more to insure than more modest models. The next list outlines auto insurance costs for a number of the most economical automobiles to buy insurance for.

Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Price information does not factor in garaging location in Kentucky which can modify prices substantially.

By looking at the data, you can presume that vehicles like the Honda Accord, Chevrolet Impala, Jeep Grand Cherokee, and Chevrolet Malibu will definitely be the cheapest vehicles to insure for low mileage drivers.

Finding reliable, low-priced auto insurance is tough enough, and figuring out which companies have the cheapest car insurance rates for infrequent drivers takes additional perseverance.

Each insurer has their own guidelines to establish rates, so let’s rank the car insurance companies with the overall best prices in Kentucky.

Find the Cheapest Car Insurance in Kentucky

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Cincinnati Insurance has some of the most affordable car insurance rates in Kentucky at around $1,115 a year. Kentucky Farm Bureau, USAA, Auto-Owners, and Motorists Mutual also are some of the most economical Kentucky insurance companies.

As shown in the rates above, if you are currently insured with USAA and switched to Cincinnati Insurance, you might see an annual savings of about $60. Insureds with Auto-Owners may save as much as $298 a year, and Motorists Mutual customers might cut rates by $486 a year.

To discover how much you can save, click here to get a free quote or feel free to get quotes from the companies below.

These policy prices are averaged for all drivers and vehicles in Kentucky and and are not figured with a price decrease for infrequent drivers. So the car insurance company that fits you best may not even be included in the above rate chart. That’s why you need to get auto insurance quotes using your own personal information and vehicle type.

The example below shows how choosing a deductible can influence yearly insurance costs when researching cheap insurance for infrequent drivers. The price estimates are based on a single male driver, comp and collision included, and no discounts are taken into consideration.

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As shown above, a 50-year-old driver could lower their car insurance rates by $268 a year by changing from a $100 deductible to a $500 deductible, or save $404 by switching to a $1,000 deductible. Younger drivers, like the age 20 example, could reduce their rates $880 or even more by using higher deductibles when buying full coverage. If you do make the decision to raise your deductibles, it will now be necessary to have enough savings set aside to allow you to cover the extra out-of-pocket expense that is associated with using high deductibles.

Poor driving habits will raise your car insurance rates

In a perfect world, the ideal way to score the most affordable car insurance premiums in Kentucky for low mileage drivers is to drive attentively and avoid accidents and traffic citations. The chart below illustrates how speeding tickets and at-fault claims can raise insurance costs for different categories of driver ages. The costs are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 2619,3111,5033],[‘Age 30’, 1381,1873,3801],[‘Age 40’, 1353,1845,3767],[‘Age 50’, 1233,1725,3651],[‘Age 60’, 1195,1687,3613],[‘Age 70’, 1467,1961,3885]]);var options = {title: ‘Impact of Citations and Accidents on Kentucky Insurance Premiums’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Kentucky’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the prior example, the average cost of auto insurance in Kentucky per year with no accidents and a clean driving record is $1,541. Add in two speeding tickets and the average cost hikes up to $2,034, an increase of $492 each year. Now add in two accidents along with the two speeding tickets and the yearly cost of car insurance for infrequent drivers increases to an average of $3,958. That’s an increase of $2,417, or $201 per month, just for being a little careless behind the wheel!

How to find economical car insurance for infrequent drivers

The list below summarizes some thrifty suggestions that can help Kentucky drivers buy cheap coverage.

• Buying your home and auto policies from the same company can earn a discount
• Accident-free drivers may qualify for discounts
• Safer vehicles cost less to insure
• Don’t waste money on full coverage for older vehicles
• Good credit can help you save money
• Compare rates once a year for cheaper prices

The last tip in the list is certainly crucial, as we stressed in the article above. Rates adjust often, so drivers shouldn’t be reluctant to buy a policy from a new company if a cheaper price is available. Many drivers prefer to stick with one company, but is isn’t recommended if it’s costing you lots of money. Take a couple minutes and compare prices and find cheaper insurance for infrequent drivers.