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Louisville, Kentucky Car Insurance

Louisville residents can survive without owning a car as long as they plan their travels carefully. The city does not have a rail system, but it does have a good public bus system that is centered on the downtown area. Commuters are the focus of the bus lines, which means that some extracurricular travel might be more difficult if you don't have any other way of getting around. If you are well organized and don't need to travel very often, you might find that riding the bus is a great way to save money, even if you do own a car. Insurance companies tend to offer good discounts for drivers who put fewer miles on their cars annually.

Bus Lines Available for Business Travel

The Louisville buses run the most efficiently during the peak commute hours. Riders who need to travel during the early afternoon might have to wait a little longer for the buses to arrive because there are fewer buses traveling the routes at those off-times. Evening and late night services are also slower than the regular business hour services. It might be more convenient to own a car so that you can get around more easily during the evenings and weekends, but take the bus to and from work on weekdays.

A Car is Useful for Personal Travel

Combining the bus service with some light travel by car would be an ideal way to approach travel in Louisville. Owning a car would make it possible for you to make trips to areas that might not be covered by the bus lines so that you can avoid long walks from the bus stop to your location. Taking the bus to work on a regular basis, however, will help you keep your vehicle costs lower. You'll save money on gasoline and car maintenance, and you might qualify for a special rate on your car insurance because you drive your car less often.

Avoid High Parking Rates Downtown

Another way riding the bus to work can help you save money is that you will be able to avoid the high cost of parking downtown. Parking rates are extremely high in the business districts, which can make it prohibitive to try to find a good place to leave your car while you're working. The large number of bus stops in the downtown area makes it easy for commuters to take advantage of the service, especially if their homes are near one of the stops in the outlying neighborhoods.

Weather May be a Factor

There are times when it would be more comfortable to drive than ride the bus. Harsh winter weather and hot summers can make it tough to walk to the bus stop every morning and afternoon. Residents need to weigh the risk of being exposed to the elements with the cost of owning and insuring a vehicle to drive at least part of the year when it is the most uncomfortable to walk and wait for the bus outside. Put your zip code information in the form on this page for a chance to compare insurance rates from several companies.

Louisville, Kentucky, is home to over 700,000 people and is the center of the larger Louisville metropolitan area, which has over 1.2 million people. The city has always been a major inland port along the Ohio River and today is the seventh largest inland port in the United States. Beyond being a major center for land and river shipping, Louisville is also one of the country’s leading centers for medical research and technology. Louisville is also producer of one third of the world’s bourbon whiskey, which has made it world famous and made it the focus of a lot of whiskey-oriented business and international cooperation.

Louisville is the seat of Jefferson County and in 2003 the city and county governments merged into one unified administration. In 2008, Louisville had 25,998 car collisions, which is an improvement over the 2007 numbers. Of these accidents seventy-two were fatal, killing seventy-eight people; and 4,882 resulted in the injury of 7,218 people. All of these statistics represent improvements over the 2007 numbers. The number of accidents in Louisville is more than double the number of accidents in Lexington and the city is by far the most dangerous place to drive in the state. Just living in Louisville alone will likely result in an increased car insurance premium.

Kentucky’s minimum car insurance requirements are frequently summarized as 25/50/10. This means drivers must have a minimum of: $25,000 worth of bodily injury liability insurance per person in an accident; $50,000 worth of coverage for all bodily injury per accident; and $10,000 for property damage per accident. Most legitimate insurance packages for sale in Kentucky will meet these minimum requirements. Proof of insurance is required to have your vehicle registered and drivers are also required to carry proof of insurance with them in their vehicle at all times. Failure to provide proof of auto insurance upon demand can result in having a monetary fine or having your license suspended.

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