Insurance

Best Car Insurance for Seniors in Kentucky [2021 Discounts]

We know that there are plenty of car insurance companies to choose from. But when it comes to your security and well-deserved peace of mind, you deserve the ideal car insurance. And it sure is difficult to choose simply one that guarantees you and your family will be safe when––and if––misfortune hits you while driving. 

Thankfully, we’ve done the research and enlisted the best car insurance for seniors in the state of Kentucky, so you won’t have to. In this post, you will find car insurances that guarantee great service at an affordable rate. Also, we have included some discounts you can get if you’re. a senior citizen. Those are the perks of retirements and you earned them! So if you weren’t aware of the multiple benefits some car insurances provide to senior citizens like yourself, then we’ve got you covered. We promise that after reading this article, you’ll find the ideal car insurance for your protection and your loved ones. 

Now, it’s time to take action if you’re not covered because of the mandatory insurance initiative. Owners of vehicles that don’t have car insurance can receive a notice, warning them that their registrations can be canceled if they don’t show proof of car insurance or acquire one. 

You have your right to enjoy retirement to the fullest. So, now it’s a perfect moment to be aware of your budget and whether you’re receiving what you deserve for your well-earned money. In this case, your car insurance has to provide you suitable coverage and a policy that guarantees the perks and discounts that you’ve earned based on your driving history. 

There are so many car insurances out there and in this post, we will jump into the factors that benefit senior citizens. In this article, we have gathered the best car insurance with your interest at heart. Not only the best but also affordable car insurances for those who fall in the fifty or older age range.

Affordable Car Insurance for Seniors in Kentucky

The city where you live affects your car insurance rate, so we have to keep this in mind. If you take a look at the chart below, we can notice that some cities are indeed more expensive than others. 

Even though Kentucky’s average income per capita was reported to be between $33,237 to $32,202, Kentucky rates are a bit higher than nearby states. However, these rates can vary and it all depends on your profile and the background of the policyholder. Some car insurance companies take into consideration that experience comes with age. They understand that the younger you are, the more likely the young driver could get into a car accident. In your case, if you’re 50 years of age or older, then you must have driving experience. Luckily, for you, this means that your car insurance rate decreases the older you get with a clean record. 

Kentucky Farm Bureau

Kentucky Farm Bureau

Since 1943, Kentucky Farm Bureau Insurance has provided safety to families. No doubt you’ve heard of Kentucky Farm Bureau because it’s one of the largest insurance companies in Kentucky. They can provide in-person service just as well as phone and web customer service.

They have been awarded by the A.M. as the Best Company, acknowledging their consistency and outstanding performance over the past five years. This insurance company is highly rated and well-respected. If you’ve considered this auto insurance in the past, then this is a sign for you. 

With multiple policies and discounts to choose from, the Kentucky Farmer Bureau esteems all drivers. With their Defensive Driving Course Discounts, they honor drivers of 55 years of age or older who favorably achieve a certified security program. Just send them or provide your certificate of achievement, and the company will save you some money.

Kentucky Farm Bureau Insurance offers the following auto insurance coverages:

This coverage covers bodily injury liability, property damage liability, and auto physical damage coverage. 

  • Auto Physical Damage Coverage

This coverage covers collisions and all regarding collisions.

  • Coverage for Added Protection

This one covers uninsured motorists and includes personal injury protection.

If you’re looking for other coverages, then this one covers medical expenses, towing, and labor costs. In addition to rental reimbursement and transportation expenses. 

Their official webpage doesn’t offer detailed information about these coverages. So, we recommend that you visit their pages or call them to receive service and quotations that meet your wants and needs. 

Pros

  • Multiple coverages to choose from
  • Discounts to Seniors
  • Defensive Driving Course Discounts
Cons

  • Not convenient to those who plan to move out of Kentucky

Progressive 

Progressive

Progressive claims that many people trust them to help with any expense relating to their car because they have multiple savings offers. One thing is for sure: you can get insurance quotes in a couple of minutes. This insurance is an excellent choice for senior drivers because based on our research, it has one of the best common rates.  Drivers aged 50 to 74 have the lowest prices for their rates in many states. However, these rates can be affected by several other factors, like driving history and location.

With years of driving experience in their belt, senior drivers often have safe driving routines and abide by the road’s rules. Progressive doesn’t ignore this but instead trusts that senior citizens will drive safely and mindfully.  

On their site, you can see that Progressive offers the following car policies:

This coverage pays expenses related to car damage and harm you’ve caused to others while driving. This coverage helps you pay court and attorney expenses as well.

  • Comprehensive and Collision Coverage

This coverage pays costs of unforeseen car repairs or replacements if it was vandalized, stolen, hitting an animal, fire, or acts of nature.

On the other hand, collision coverage helps you pay for any car damage done in an accident regardless of who’s at fault. 

  • Uninsured and Underinsured Motorist

This coverage protects you from uninsured drivers who can’t pay for damages. 

We mentioned earlier that Progressive has insightful tools and one of them is the ‘Name Your Price’ tool. With this tool, you can enter the budgeted amount you’re willing to pay for your vehicle insurance and it will show you the type of coverage that falls under that price range. That way you can review what your options are and find a combination of price and coverage that fits your needs.

Pros

  • Offers better rates for drivers aged 50 to 74
  • Name Your Price tool matches coverage to your budget
Cons

  • Snapshot programs may increase rates for high-risk drivers

GEICO

GEICO

GEICO claims to help people save money for more than seven decades now with their car insurance. Because they deliver cheap car insurance rates, we believe this is one of the best car insurance for seniors in the state of Kentucky.  GEICO claims to provide an exceptional policy with great coverage and top-rated customer service. These two factors are what make so many car owners trust this insurance in case they’re hit by unexpected events on the road.

Prime Time discounts help you save money if you’re 50 years old or older. You also qualify if in the past 3 years you didn’t have any accidents or violations and if your car is not used for business. But you can’t let individuals with 25 years or less drive your vehicle. Luckily, Prime Time is available in the state of Kentucky, but if you’re planning to move out to another state, make sure to see if it’s available there. 

All in all, GEICO is one of the car insurances for seniors that provides more coverage options and discount choices. This is it’s the top pick, becoming the best car insurance for seniors in Kentucky. 

On their site, GEICO offers the following car policies:

This type of coverage helps you pay for repair expenses if your vehicle was hit by another vehicle. This coverage also helps you pay repair expenses if you were hit by another vehicle or object. Unlike some other coverages, you don’t have to set a limit because their coverage is based on the actual cash value of your car. However, collision coverage provides coverage for damages to your vehicle but doesn’t cover another person’s car or property. This coverage also doesn’t cover damages done to your car such as vandalism, theft, fire, floods, and if your car hit an animal.

This type of coverage covers expenses of damages done to your vehicle if you’re involved in an accident not caused by a crash. Comprehensive coverage does cover damages like hail, vandalism, hitting an animal, and theft.  theft, vandalism, hail, and hitting an animal. This type of coverage doesn’t require a limit because it’s based on the actual cash value of your car.

This type of coverage is optional in some states but required in other states. Also known as ‘med pay’, this coverage helps cover medical and funeral expenses related to harm caused by a car accident. This optional coverage covers medical expenses regardless of who caused the car accident if you were involved in an accident while in someone else’s car, or you were hit as a pedestrian. The damages that this type of coverage covers x-rays, chiropractic services, ER visits, and doctor visits.

  • Emergency Roadside Assistance Coverage

With this type of coverage, you can save time and stress whenever you’re stuck in the middle of the road with a flat tire or even a broken windshield. You can call them 24/7 or request assistance via your phone with their GEICO Mobile app. 

  • Rental reimbursement Coverage

This type of optional coverage covers rental expenses if you’re not able to use your own car after a covered claim. 

With GEICO, you can get personalized car insurance rates with excellent customer service via online or phone call in more or less than 15 minutes.
This is an insurance company that guarantees financial help and protection to you and your loved ones.

Pros

  • Guaranteed renewal plan for drivers over age 50
  • A long list of discounts
Cons

  • Customer service mostly online and by phone; few in-person options

Allstate

Allstate

Undoubtedly, with their agents and their advanced tools, Allstate helps drivers with a broad range of policies. We’ve all seen their hilarious commercials starring Dean Gerard Winters as a personified ‘Mayhem’ that asks if we’re in good hands. As an extension or pay per use, Allstate offers 24/7 roadside assistance to your policy.

This nationwide trusted insurance company provides more than just a common auto policy. They provide insightful tools to help you manage your policy easier. Plus, other additional benefits such as deductible rewards and accident forgiveness. Moreover, Allstate can assist you online, by phone, and through local agents. Unfortunately, purchasing your policy through a local agent is more expensive than purchasing the same policy online. This is something to consider if you’re on a budget, but it’s great that Allstate offers you both options to choose from.

Allstate offers the following policies:

This Covers expenses related to the damage or destruction of your vehicle from an accident or other collision

This coverage covers expenses regarding damages done to your vehicle. For instance, any damage caused by theft, hail, fallen trees, and vandalism.

This one covers costs corresponding to injury, property damage, or death of others if you’re found responsible.

  • Medical Payments Coverage

This coverage covers medical payments if you or your passengers are injured in a car accident.

  • Uninsured and Underinsured Motorist Coverage

This coverage helps you pay expenses if you were involved in a car accident with an uninsured driver and if they are at fault.

This one covers any expenses you may have if you have to replace stolen or damaged audio and video gear.

This is great coverage for common unexpected events on the road like tire changes and jump-starts and it provides 24/7 assistance.

  • Personal Injury Protection

This coverage covers costs regarding injuries you sustained in a covered car accident.

Just like the insurances above, we recommend that you visit their pages or call them to receive service and quotations that meet your wants and needs.

Pros

  • Claim satisfaction guarantee
  • Senior Adult discount
Cons

  • Buying a policy from a local agent may cost more than buying online
  • Policies increase

USAA

USAA

We wanted to start with USAA because it’s one of the best car insurances in the country. But, to qualify either, you or your spouse must have served in the military. If you don’t qualify, we recommend you to scroll down and read about the rest of the car insurances that are as great if not better for you. Now, if you do qualify, this car insurance is the ideal one for you and your family. 

This insurance company provides the lowest rates available at the moment. For this and many other reasons, this company ranks high in customer gratification and claim process. Luckily, USAA offers a flexible payment that adapts to your schedule. Moreover, when you start your policy, you don’t have to pay right away. Also, if you’re planning to move out of the state for retirement, USAA is a convenient option because it covers all 50 states. And if you happen to require rideshare coverage because you drive for Uber or Lyft, USAA has policies with a low-cost of $6 per month to guarantee you peace of mind when you’re on the road.

USAA provides several coverage options to guarantee your satisfaction:

Comprehensive coverage will help you pay for a replacement or repairment of your damaged vehicle that suffers from an incident such as fire, flooding, glass damage, and hail. If you’re leasing or financing your car, this policy is often required. 

This coverage assists you financially if your vehicle is engaged in an incident while driving, such as collisions with stationary objects and collisions with other vehicles. If you’re leasing or financing your car, this policy is often required. 

If you hit and hurt another driver, this coverage protects your assets if you’re legally responsible for their injury or death. It also helps to pay for the other driver’s car repair or replacement.

  • Uninsured and Underinsured Coverage

If you’re in a car accident with a hit-and-run driver or an uninsured driver, then this coverage helps you pay for injuries caused to you and your passengers, as well as property damage.

This coverage isn’t just one type of coverage, but instead ‘full coverage’ is a combination of coverages like comprehensive, liability, and collision. True, it’s more expensive, but it covers more unexpected events and saves your green. 

While USAA doesn’t have insurance agents, you can get a quote on their website for free. If you’re not comfortable with websites, the company offers a fast customer service team by phone. Only accessible to active military members, vets, and their families, USAA is affordable and ideal car insurance that guarantees your satisfaction. 

Pros

  • Family discount
  • Flexible Payments
  • No payment when starting your policy
Cons

  • Only veterans and families can qualify

Affordable Car Insurance for Seniors in Kentucky

Should Seniors Only Care About the Lowest Price?

Car insurance for seniors is indeed a bit pricier because senior drivers are prone to be involved in car accidents than their other aged motorists. The medical expenses could be more expensive to insurance companies than their middle-aged counterparts’ medical bills. But this doesn’t mean you can’t look for an affordable rate that will still protect you and give you peace of mind. Luckily, even though the rates can increase because of age, many car insurance companies provide plenty of excellent discounts.

Retirement brings a lot of great changes and one of its perks is an auto insurance premium. Since after retirement you won’t need to commute to work and you’ll drive less. Because of this, any risk of an accident decreases so you don’t have to pay as much for your car insurance. This discount is the premium service you deserve. Now that you know about this, make sure to ask if there are any other discounts that you could qualify for. Fortunately for you, we have found the best discounts for seniors some of the above-listed car insurances offer. 

Is it possible that insurance premiums rise just because you’re a senior citizen? Even if you’ve never even been in car accidents or received a speeding ticket? Well, that depends on the car insurance company that you choose. And, yes, it’s possible. 

Insurance rates are not only established by the age group you belong to, but also by your driving record. Your car model and color might influence your rates as well.

Cheapest Car Insurance Providers in Kentucky

Now, the state of Kentucky demands drivers to have car insurance. And unfortunately, car insurance in Kentucky can be expensive compared to other states. The average annual premium in Kentucky will cost drivers $3,000 a year. But if you’re on a tight budget, then you’re looking for the cheapest car insurance. You deserve great and affordable car insurance that doesn’t drain your pocket.

Luckily, there are places where to find the cheapest car insurance in Kentucky. But in this article, we wanted to dive into the best car insurances for you and also include different discounts that you can ask about. So, if you scroll down you’ll learn more ways to save and different discounts that other car insurances offer to fill your pocket full of green. 

Automobile Financial Responsibility Limits

State Insurance Required Minimum Liability Limits
Kentucky Bodily Injury Liability; Property Damage Liability, Personal Injury Protection, Uninsured Motorist, Underinsured Motorist 25/50/25 (3)
(This means your car insurance will cover up to $25,000 for each person hurt in a car accident and you’re at fault).

In the charts below, you can see which of the above-listed car insurances are the most affordable based on your budget:

Should Seniors Only Care About the Lowest Price?

How to Get Senior Discounts 

You’re in your prime time to save as much money as possible and if you’re interested in getting more discounts, then you’re in the right place. Even though specific personal determinants such as driving history and area can influence your car insurance expenses, your premiums should decline or settle as you get older.

Make sure to ask your provider whether you are eligible for any of the following discounts or not: 

  • Homeowners discount
  • Good driver discount
  • Military discount
  • Multi-car discount

Even if you don’t qualify for these discounts, there are always ways to save on your car insurance policy. Driving experience, driving less once retired, and fewer claims might help you out getting more discounts. These are determinants to keep in mind when asking for rates. 

Comparing personalized quotes from different insurances enables you to see the bigger picture. This strategy helps you choose the best coverage for you and your loved ones. 

Older adults can save money on car insurance costs by asking if they’re eligible for additional discounts based on:

  • Retirement
  • Age
  • Driver safety courses
  • Mileage
  • Taking minors off the policy

If you don’t qualify for the above discounts, you can do the following activities to reduce your car insurance rates:

  1. Now that you’re retired and driving less, you can inform the car insurance company to see if they reduce your costs. This also depends on what the companies define as  “low mileage”.
  2. You can save green with the Pay Per Mile programs installed in your car that record your mileage and driving conduct.  Now you can save up money by driving safely.
  3. Taking a driving safety class can guarantee you a discount. Fortunately, you can even take the course online that will refresh you on all Kentucky traffic laws and certify you’re a responsible driver.
  4. Buy an anti-theft device or system. This will guarantee you a discount no matter what.
  5. Maintain a clean driving record.
  6. Did you know that if you join an association like AARP can provide a discount? Well, it does and it’s also known as an affinity discount.
  7. Use the umbrella coverage if available by insuring your house as well with the same company. 

Unfortunately, USAA and Progressive don’t provide discounts for seniors. But the Kentucky Farm Bureau does. It provides a Senior Operator Accident Prevention discount that saves you money if you’re a senior citizen 55 years of age or older. But you must complete an approved safety course first to receive the Senior Operator Accident Prevention discount. The Kentucky Farm Bureau has more policies to choose from. For instance, if you’re a member of a farming association, you can also qualify for a Farm Association discount. If you already are insured with this company, you can qualify for the Umbrella Policy discount.

Roadside Assistance

To drive around knowing that you have roadside assistance has no price. This coverage eases up any frustration that could take a hold of you when you’re facing an unexpected event in the middle of the road. This is why the aforementioned car insurance companies include emergency roadside assistance.

The Kentucky Farm Bureau and the USAA provide emergency roadside assistance that includes towing and even assistance if you get locked out of your own car.

Also, Allstate has the roadside coverage that will help you out with whatever car trouble you encounter without costing you too much. It covers everything from tire changes to jump-starts. They even deliver fuel if you’re out of it in the middle of nowhere.

As we mentioned before, GEICO also has roadside coverage that saves you time and stress. You can call them 24/7 or request assistance via your phone with their GEICO Mobile app.

Final Thoughts

To conclude, now that you have retirement near or you’re enjoying it as you read this article, you don’t have to worry about car insurance. It’s possible to find great and affordable car insurance. We have provided reliable and trustworthy sites.

Requesting all the discounts you’re eligible for, keeping a good driving record, and shopping around are some of the best ways to save when you’re an older driver. Car insurance prices may rise in your senior years even if your driving conduct stays the same and your record is clean. Granted, the rates you pay for car insurance change as you age, but you deserve to be financially and physically protected. We hope that with this article, you’re ready to compare the best insurances for you in the Bluegrass State and pick the perfect one for you. 

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