Kentucky Auto Insurance Discounts


Each state has its own mandatory requirements but when you start adding in additional coverage, your insurance premiums could raise up accordingly. Here are some discounts that are available in the state of Kentucky to help reduce some of those costs. Check with your insurance carrier to see if they include any of the following savings.

Drivers Education

The more educated the driver the safer they may drive on the road. You could reduce your premium on the three major liability coverages, property damage, bodily injury and personal injury, if you take a defensive driving course. The discount will apply as long as it is for a private vehicle and the main person or people who operate the vehicle successfully complete a state approved class.

Keep Your Grades Up

If you are a full time high school or college student under the age of 25, you may be eligible for a discount if you get good grades and keep them up. The requisites are you must be ranked in the upper 20% of your class, have a grade average of B or higher, have a grade point average of 3.0 or higher or have made honor roll or the dean’s list. This program is also available for are home schooled but proof of eligibility is required.

Multiple Car Discount

If you are a two car family and there are at least two or more people at home who drive, you might be able to get a multi car discount. The vehicles must be primarily driven by you and/or residents of the household.

Air Bag Discount

Most vehicles from 1993 on have been produced with air bags that have been installed at the factory. Seat belts are now commonplace on vehicles but air bags are still relatively new. If you have a newer vehicle that has air bags, and especially passenger side airbags you could get a break on your PIP and Supplemental Medical Payments coverage.

Combining Insurance Coverage

Many car insurance agents will give you a discount if you bring your life, health, homeowners and/or rental insurance to their company. Having everything under one roof makes it easier to keep track of for you.

Safe Driving Savings

Many automobile insurance companies will give a discount to their safe drivers. In order to be eligible for this discount you have to have a clean driving record for at least the past three years. This means no moving violations or accidents that were your fault.

Additional Safety Discounts

Some insurance companies will give discounts to their unmarried drivers who are under 25 and complete a safe driving class through the company and keep their driving record clear. Also, some of the newer vehicles have been deemed safer than other models and could qualify for a vehicle safety discount.