UPDATED: Mar 13, 2020
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Cheap Car Insurance in Bowling Green, KY
Are you looking for auto insurance in Bowling Green? At AutoInsuranceEZ.com, you can get the very best insurance rates in your city. To get free car insurance quotes from the top rated providers today, key your zip code into the quote box on this page.
Bowling Green is a city rich with history and is also the third largest city in Kentucky. Back in the 1960’s the Everly Brothers wrote a famous song called Bowling Green, and the city has been Chevrolet’s capital for Corvette manufacturing since the early 1980’s. The state’s second largest public university, Western Kentucky University, is also located in Bowling Green.
- Fun fact: Did you know that Bowling Green is #3 on the list of “Top 101 cities with largest percentage of males in occupations: Drafters, engineering, and mapping technicians (population 50,000+)”? Learn more about Bowling Green, KY.
Auto Insurance Coverage Requirements in Kentucky
Driving legally in Bowling Green requires:
|Bodily Injury Liability||25,000/50,000||100,000/300,000|
|Property Damage Liability||10,000||50,000|
|Uninsured Motorist Bodily Injury||Not required||100,000/300,000|
|Medical Payments||Not required||100,000|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||500 deductible|
Liability coverage, which is the state mandatory minimum, only pays out claims when the accident or vehicle damage is your fault. That’s it. For every other circumstance, whether it’s weather, an uninsured motorist, or theft, 100% of the financial burden is on you. So think carefully before you settle for state minimum coverage.
The average Kentucky motorists is paying around $125 for their monthly insurance premiums right now. Luckily, for Bowling Green drivers like you, that can be much lower. You could get insured today for $47/mo* or less – just keep reading, and we’ll show you how.
In Bowling Green, the insurance companies who want your business the most appear to be State Farm, State Auto, and the Kentucky Farm Bureau. But what else are they prepared to do, besides offer you a lower rate? Customer service and claims processing are important factors of any company, and you should know as much about them as possible before you decide to switch.
Auto insurance companies contemplate various elements when assessing insurance quotes, including marital status, driving violations, occupation, miles driven each year, and multiple cars and drivers. Also keep in mind that premiums vary from company to company. To make sure you’re still getting the most favorable rate, compare cheap Kentucky auto insurance quotes online.
Enter your zip code below to view companies that have cheap auto insurance rates.
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Major Car Insurance Factors in Bowling Green
There is a range of various things which may factor into the rate quotes you obtain. While many of these elements aren’t actually anything you can do something about, a few of them are things which you can change for the better. Here are a few elements which may alter your car insurance premium:
Your Zip Code
Your auto insurance rates may differ depending on where you call home. In general, highly populated cities have higher auto insurance rates because the extra amount of drivers on the road increases the likelihood of an accident! The population of Bowling Green is 61,488 and the median household income is $37,265.
Even in small cities or rural towns, auto theft can still be a problem. In order to make it less of a problem for you, think about installing a passive anti-theft system on your car. Your auto insurance company may reward you with lower rates! In Bowling Green, there were 125 auto thefts in 2013. Since these theft rates are so low, you might consider saving money by reducing your Comprehensive coverage (or perhaps raising your deductible).
Auto Thefts in Bowling Green
Living in a large city (Especially one with a high crime rate) will increase your risk of being a victim of auto theft. If your general location has high rates of theft and claims, you can expect to pay more for auto insurance to offset these costs. The total number of stolen vehicles in Bowling Green was 158 back in 2013. This is a thankful drop from recent years. If you don’t feel your car is a likely target for theft, you might be able to reduce your monthly payment by reducing your Comprehensive coverage.
Your Credit Score
Take a look at the chart below. Did you notice that drivers with poor credit have to pay at least double the monthly rate as everyone else? Your credit score carries a lot of weight when insurance companies determine your premium. So make sure you do everything you can to keep it high.
Insuring a younger driver, whether you’re paying for your own insurance or you’re the parent of a driving teenager, is expensive (As the chart shows). But getting good grades and taking driver’s Ed courses can really help you lower such expensive premiums.
Your Driving Record
Serious citations on your driving record, such as Reckless Driving or DUI violations, will significantly increase your premiums and may make finding coverage impossible. But for drivers with a relatively clean record, Accident Forgiveness discounts can help you save if you have a minor citation or two on your record.
Take a look at the chart below. That spike in monthly premiums isn’t just from driving a more expensive car. It’s mostly from the fact that such a vehicle requires more types of coverage, and in larger amounts, than your typical compact sedan. And extra insurance costs money.
Minor Car Insurance Factors in Bowling Green
Of course, there are also these other premium-altering factors:
Your Marital Status
If you’re married, then you get to take advantage of bundling discounts which single drivers don’t have access to. And it doesn’t stop at auto insurance. If you are currently covered by a major provider, ask and see if they offer other forms of insurance, such as homeowners, to bundle with as well.
Did you know that an increasing number of insurance companies are charging the exact same rates regardless of gender? You may believe that men and women are from different planets, but according to the data gathered on planet Earth, there is statistically no difference in driving risk between genders.
Your Driving Distance to Work
Driving to and from work every day can be expected to take an average of 14-21 minutes if you live in Bowling Green. About three-quarters of all drivers use their own vehicle to get to work, whereas anywhere from 3-21% of motorists might decide to carpool.
Is your vehicle registered for business use? That’s unfortunate, because it means you’re paying 11% higher premiums than if you were driving a personal vehicle. Speaking of personal vehicles, did you know that lowering your mileage will only save you a few dollars each month on premiums? Don’t worry, though, because there are other ways to save money.
Your Coverage and Deductibles
Thinking about raising your deductible? It’s not a bad idea; as a matter of fact, it’s a great way to lower your monthly insurance payments. Make sure you save a little extra money away for a rainy day, however, because you will have to pay that deductible if you find yourself filing a claim.
Education in Bowling Green, KY
Many insurance providers have started offering lower rates to drivers who have some sort of higher education. However, nearly 65% of motorists in Bowling Green either have a high school diploma or less than a full high school education. Therefore, it stands to reason that going back to school and getting an advanced degree (or using the one you already have) could save you a bundle on your car insurance. It seems hard to believe, but this will get you an even better discount than your career or having a high salary.
There are a handful of institutions available to those wishing to further their education. Western Kentucky University is a public school which also happens to be one of the largest universities in the state. For a more specialized degree, you can look into Daymar College, which is a career training center, or Bowling Green Technical College, which offers two-year degrees.
Determining your own personal financial risk can be quite difficult or impossible for the common insurance shopper. Insurance companies have an advantage over consumers due to their statistics and experiential knowledge. Learn what insurance companies don’t want you to know.
How We Conducted Our Car Insurance Analysis
*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
Calculate YOUR auto insurance risks by entering your Zip Code into the calculator below.