Auto insurance in Kentucky should be a high priority for all Kentucky business owners. Kentucky car insurance is not simply a suggestion -- the law requires you to carry it. Without car insurance in Kentucky, you risk losing your car registration and driving license.

For businesses in Kentucky, auto insurance should cover all the employees who drive company-owned cars. It is convenient to carry the proof of car insurance in Kentucky in the glove compartment, especially when several employees share a car.

Before you begin to get Kentucky car insurance quotes, you should know a few things:

1. What are the state laws regarding auto insurance in KY?
2. How many employees should you cover with auto insurance in Kentucky?
3. How often will employees be using company-owned vehicles?
4. How much coverage do you need?
   

Action Steps
The best contacts and resources to help you get it done

Get Kentucky car insurance quotes from several companies

Many online companies help you to compare the costs of leading insurance companies. This allows you to find the cheap car insurance in Kentucky that you are looking for.

I recommend: Esurance is a great company that allows you to search for the best rates on car insurance in Kentucky by providing your zip code. Insurance.com also allows you to compare quotes.

Select the Kentucky car insurance provider that's best for your company

Companies should weigh the cost of insurance companies in Kentucky with the level of service that these companies provide. Some Kentucky auto insurance providers offer a higher level of service while others offer lower rates.

I recommend: Progressive insurance Kentucky is popular among residents. Progressive also offers additional services such as roadside assistance. Geico is a company that offers low rates and high customer satisfaction. State Farm offers an exceptional level of service.

Purchase enough coverage to satisfy your company's needs

Kentucky requires you to purchase a minimum insurance policy of $10,000 for property damage, $25,000 for personal injury and $50,000 for all personal injuries in an accident. Many companies feel more secure buying a higher level of coverage.

I recommend: Use a coverage calculator to determine the amount of coverage that your company should buy. AIG Insurance and CarInsurance.com both offer this service.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Many Kentucky car insurance providers offer discounts to members of certain professional organizations. If you belong to an organization, check to see if they receive a discount.
• •  If you already have another type of insurance, check to see if they also provide car insurance in Kentucky. Many insurance companies offer different types of insurance and will offer a discount when you purchase all of your insurance through them.
• •  Ask other business owners which Kentucky auto insurance provider they use. If they are happy with the service, they will be eager to offer you advice.
• •  When you are leasing or financing your car, the dealership may require you to purchase a certain level of insurance. Check with them before committing to an insurance policy.