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Lexington, Kentucky Car Insurance

Madison County residents will soon have access to a new way to get to work in Lexington. A commute- service bus line will pick riders up in the early mornings and drop them off at four different Lexington locations. Riders can pick up the bus back to Madison County in the late afternoon. The new bus line should help reduce the number of drivers on the road between Madison County and Lexington, which is good for the environment and can be a great way for those drivers to save money on their car insurance rates. Most car insurance companies offer a special discount for drivers who don't drive as often, so eliminating the daily commute could be good for the pocketbook.

New Route Designed as an Inexpensive Commuting Alternative

The bus lines are being created to aid with congestion on the highways during peak traffic hours. Drivers who take advantage of this alternative will save money on fuel and vehicle maintenance as well as cutting their insurance costs. For most drivers, the commute to work and home again is their largest chunk of mileage every year. Without that commute, it is possible that they would only drive a few miles a week running errands in their own neighborhoods. These shorter trips are easier on the cars, which means things like oil changes and tire rotations will need to happen less often. Add that to the savings on gasoline and the mileage discounts from insurance companies and the buses could make a big difference for commuters.

Single Route Runs Morning and Afternoon

The buses will pick up riders in the Richmond Centre at 6:30 am each workday morning. They travel to four separate stops in Lexington. Beginning at 4:30 in the afternoon, riders can catch the bus back to the Richmond Centre from the same place they were dropped off in the mornings. The buses will follow the school system's lead when it comes to inclement weather. Riders who are released from work early in the day due to extreme weather conditions can contact dispatch for information about how to get back to the Richmond Centre.

Riders Pay Flat Fee Monthly

The bus service costs $50 per month, and a little extra in months that have more than 20 working days. Riders who miss the payment deadline of the 5th of the month can contact the bus service to see if there are any seats available later in the month. The fee is relatively similar to the cost of one tank of gasoline, and these commuters are probably purchasing at least three tanks of gas monthly if they drive standard gasoline-powered cars. Rider should begin to see savings within the first two weeks of taking the bus.

Reduced Mileage Means Lower Car Insurance Rates

Research shows that the fewer miles a car is driven the lower the risk of an accident. Insurance companies can offer lower rate packages to drivers who find ways to cut down on their mileage. Riding the bus to work is a convenient way to reduce mileage and pay less for insurance. If you would like to know more about your insurance options in Lexington, enter your zip code in the form on this page.

Known as the “Horse Capital of the World”, Lexington is best known for the famous Kentucky Derby horse race and as a center of horse racing and breeding. With a population of just under 300,000 people and the center of a metropolitan area of just over 450,000, Lexington is the second largest city in Kentucky. Listed by Forbes magazine as the fifth best city in the United States for business and careers, Lexington has a well balanced and stable economy with a strong public sector, manufacturing, as well as an eclectic mix of small business. Three Fortune 500 corporations are based in Lexington.

Unlike Lexington, Lexington has seen an increase in automobile accidents recently, with the 2008 figures being slightly worse than the 2007 ones. In 2008, Lexington witnessed 11,938 car collisions, more than in 2007 but less than half the number in Lexington. Of these accidents, twenty-eight accidents resulted in the deaths of thirty-one people. 2,262 accidents resulted in non-fatal injuries, leaving 3,199 people injured. Of these 2008 accidents, 541 of them involved people driving under the influence of alcohol. Lexington, like Lexington, is a fairly dangerous place to drive by Kentucky standards, so just living there will probably result in increased car insurance premiums.

Kentucky state law requires all drivers to have a certain minimum level of liability insurance to drive legally. These minimum requirements are broken down into three separate categories, which is why the minimum standards are sometimes referred to as “25/50/10”. Each driver must have at least $25,000 in bodily injury coverage per person in an accident. The minimum requirements also include $50,000 worth of coverage for bodily injury of all people in an accident and $10,000 in liability coverage for property damage. Meeting these minimum standards and having proof of it is required in order to have one’s vehicle registered and can also be demanded by police.

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