Car Insurance in Louisville KY

Serving the car insurance needs of Louisville and all of Kentucky since 1958.

An affordable auto insurance policy in Louisville, KY can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or another covered event. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with Independent Agents of Kentucky to determine the best coverage for you.

Car insurance for Louisville cars, trucks, boats and more!

If you live in Louisville, Hikes Point, Jeffersontown, St. Matthews, Middletown, Goshen, Crestwood, Fern Creek, or anywhere else in Kentucky or Southern Indiana, contact us for more information today!

We can also insure your Motorcycle, Classic Car, Motor Home & RV, Boat & Jet Ski, and ATV too!

How much car insurance is right for you?

Auto insurance requirements vary by state. In some states, to drive you must carry:

• $25,000 for bodily injury per person
• $50,000 for total bodily injury per accident
• $10,000 for property damage

We write insurance in Kentucky, as well as over 20 other states, and would be happy to help you ensure you have the right coverage for where you live.

Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes:

Collision Insurance

Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible, which is the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.

Comprehensive Insurance (Other than Collision)

Comprehensive coverage is very similar to collision coverage – the main difference is that comprehensive covers damage caused to your vehicle caused by any unknown party or “act of God”. Vandalism, flood, hurricane, theft, windshield damage and fire are all events usually covered by comprehensive automobile insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) And although it’s not legally required by any state, you will probably need it if your car is financed.

Every person is unique – talk to us today to find out how to get cheap auto insurance in Louisville, KY. Call for a quote today at 502-459-8880.