To operate an automobile in Kentucky residents must purchase and maintain a vehicle protection plan that includes liability insurance. The minimum amount of coverage that a motorist can obtain, however, may not be enough to adequately cover one’s assets. Residents are encouraged to research the various policies that are available and consider purchasing a more comprehensive plan. Even with added protection many motorists can still remain within budget by shopping around for the lowest prices and taking the proper measures to decrease coverage costs. Vehicle owners in the Bluegrass State are only required to carry liability insurance equal $25,000 for bodily injury to one person, $50,000 for two people or more in a single accident, and $10,000 for property damage liability. For those looking for more coverage, an excellent place to start is by improving upon these limits for greater vehicle protection.

Increasing one’s liability limits can be a simple and effective way of avoiding unfortunate charges after an accident that are brought about by exceeding one’s coverage. For example, if a motorist were to retain the required $10,000 for property damage liability and were found at-fault for an accident involving a fairly new automobile, then there is a good chance that the basic limits could be easily exceeded and the policyholder in question would be forced to pay the remaining damages out-of-pocket. Because liability does not cover damages done to one’s own automobile, residents are urged to purchase additional vehicle protection, such as comprehensive and collision coverage. Obtaining a policy that contains an adequate amount of protection does not have to be expensive. By getting Kentucky auto insurance quotes online residents can increase their chances of finding affordable plans.