Louisville, Kentucky…..Instant Online Insurance Quotes

Louisville, Kentucky home to the fastest two minutes in sports

Louisville, Kentucky is known around the globe for being home to the fastest two minutes in sports. Similarly, TruePoint Insurance in Kentucky is known for rapid real-time, online, insurance quotes.

TruePoint, home of the most enjoyable five minutes in insurance

We often find ourselves boasting that our real-time online quotes are the most enjoyable five minutes in insurance.  While this may sound like hype, we can support our claim.  Typically online quotes are anything but online quotes.  If you don’t believe me, go ahead and give it a try.  Take the next 10 to 15 minutes of your life and complete the online form.  When you have reached the final page, what do you see?  Or should I ask, what don’t you see?  Probably not a quote.

What makes our quotes different? 
Online insurance quotes in real-time
Insurance Quotes:
Online and in Real-Time

You have set your self up for 4, 8, maybe even 12 calls over the coming days.  Insurance agents all hoping to give you what the original ad promised; an insurance quote. Why did you go online for your insurance quote? 

  • Convenience, the promise of information at a time that fits into your busy day. 
  • Insurance Agents, If you have ever tried to buy insurance, you get this one.

Odds are, you were trying to avoid talking with an insurance agent.  You are going to get pretty frustrated.  Now, instead of one insurance agent, there will be a dozen. 

TruePoint online quotes recognize your needs and time constraints.  When you finish our online form you will have a quote for your car insurance, home insurance or maybe a quote.  More importantly, we’ve made the agent disappear. 

Ok, so the thing about the agent disappearing is our Hype!  But the truth is, the ball is in your hands.  To issue a policy you will need to talk with an agent.  

What horse won finished first in the 2019 Kentucky Derby?

Ok, maybe we are not as well known as the derby,  but we give you real-time home and auto insurance quotes without a Racing Steward.  That doesn’t make us the best insurance agency for everyone, but with our customer-focused approach, the number two agent isn’t going to beat us.  

While others are spending their time trying to make insurance interesting, we are making every effort to simplify the process by putting information at your fingertips.  Instead of trying to make insurance exciting, our client portal places all your important insurance information in one convenient location giving you more time for things that are a little more exciting than insurance.

While some might disagree, we know that insurance is ready for  Prime-Time and our clients can attest to that.  While others are taking time away from their work or otherwise busy schedule, our clients are interacting with us through our online client portal.  While others are watching Dancing with the Stars, our clients are online adding their new car to their insurance policy.

It’s that simple.  Our client-focused approach is how we Justify asking you for your business.

Instant online insurance quotes in real-time

TruePoint Insurance, on target


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Car Insurance Quotes Kentucky


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Car Insurance Quotes Kentucky

Decision making, in the most logical form, is nothing more than simple math.  A series of pluses and minuses that when summed lead to an affirmative or negative answer to the dilemma at hand.   A good example would be “why do I want to live in Kentucky?  My top five reasons would be:

Our Small Towns: For me, the small towns represent the soul of Kentucky.  Two of my personal favorites are Augusta and Danville.  On the Ohio River, about forty miles from Cincinnati you will find the small town of Augusta.  One of Kentucky’s many small-town treasures; Augusta was the childhood home of George Clooney.  Traveling just under an hour south of Lexington you will find the birthplace of Kentucky.  Danville was the first Capital of Kentucky.  The state’s first constitution was drafted and signed here.  Danville is the home of Centre College a Liberal Arts College that consistently ranks among the top fifty Colleges in the U.S.  Centre has been a site for to two recent Vice Presidential debates.  For me, the small towns are the soul of Kentucky.

Horses: Churchill Downs in Louisville and in Lexington, Keeneland; both rank among the top horse racing tracks in the world.  Many of Kentucky’s biggest stars reside in the Bluegrass Region.  Paris, Midway, Versailles, Lexington, Georgetown, Winchester and Lexington are home to the four-legged elite of Kentucky.

Basketball:                There is one thing that Kentucky residents will agree on; “Basketball is King in the Bluegrass.”  College basketball in Kentucky is a year-round spectacle and the rivalry between the University of Kentucky and the University of Louisville is second to none.

Bourbon:                           For generations Kentucky folk have been the butt of jokes, many of which have brought our intelligence into question.  Look who gets the last laugh.  The world has somehow figured out what Kentuckians have known for eons.  For those of you just discovery Kentucky Bourbon, consider yourself lucky that we have enough to share.  From Wild Turkey and Four Roses in Lawrenceburg to Bullitt Counties Jim Beam and many others scattered all across the Commonwealth, Kentucky distillers are working hard to insure that there is enough bourbon for all of us.

People:                               Cross the state line into Kentucky and it won’t take long for you see what truly sets our state apart.   It’s us, are people.  Kentuckians make Kentucky.  Total strangers greeting you like a lifelong friend.  Kentuckians are loving people that truly care about you.  You see it, you will sense it, and if you listen, you will hear it.  You will hear us ask; “How Y’all doing?”   This is followed by a question mark and is not to be confused with the more rhetorical “how are you doing.”  If it seems a bit dim-witted, then you need to hear it first-hand.  Only then will you see the compassion behind the question, “how Y’all?”   A question with purpose! A question asked with the intent to insure your well-being.

Online car insurance quote Kentucky provided in real time by TruePoint Insurance
Click here for an instant online auto insurance quote provided in real-time by TruePoint Insurance

Although you may not hear them as often, there are also many reasons that make it less appealing to call Kentucky home.  We pay more for our insurance than most.  Don’t believe me?  Take some time to get a Kentucky car insurance quote. 


Car Insurance in Kentucky

Auto insurance in Kentucky is expensive when compared to most other states.  In recent years people relocating to the state were quiet shocked to find that their car insurance quote in Kentucky was considerably higher than before.  For an extended period of time, a Kentucky auto insurance quote would have been one of the ten most expensive states for auto insurance.  Even today, Kentucky ranks in the twenty most expensive states for car insurance.  Car insurance in Kentucky is more expensive than Maryland, New Jersey, New York, Florida and several other states that would seem to represent a higher risk for the auto insurance companies.

Before pointing the finger at the car insurance companies, consider the following factors that are driving the Kentucky auto insurance premiums higher:

  • The number of Kentucky deaths related to auto accidents is appalling. Kentucky has the second most deaths per miles driven and is almost 150% of the national average.
  • Kentucky is one of twelve states with no-fault insurance laws. Critics suggest that this form of insurance is:
    • Leading to widespread car insurance fraud in Florida and as a result, many auto insurance companies are reducing their business there. Evidence points to similar issues that are leading to higher auto insurance quotes in Louisville.
    • These laws were adopted to prevent abuse and discourage ambulance chasers. Unfortunately, there have been serious negative consequences that revolve around, fraud and increased medical cost without a significant reduction in lawsuits.
    • New York’s no-fault auto insurance system is near the breaking point which could lead to significant changes in the near term.
  • Uninsured and Underinsured Motorist represent another issue that is putting upward pressure on Kentucky car insurance quotes. Kentucky ranks in the middle of the pack among all states regards uninsured motorist.  While this most likely has little if any impact on your car insurance quote Kentucky, it is highly likely that car insurance for Kentucky residents is higher due to the higher number of underinsured motorist.  Who is an underinsured motorist?  I am, the guy has the lowest premium auto insurance, and you.  Even Warren Buffet could be considered an underinsured driver.   Since awards for damages are ultimately in the hands of a judge or jury, it is possible that any of us are underinsured.


My logic is that the states with the lowest minimum mandatory auto liability coverage are the states with the greatest exposure to underinsured drivers.  Only eleven states have lower state minimum auto liability coverages than Kentucky, which is my reasoning why underinsured motorist have an upward bias when it comes to car insurance for Kentucky.

At this point, my plus/minus matrix is five to one for staying put.  I will keep paying a little extra for my car insurance because I love the people and the basketball.  Y’all have a great day, ya hear?


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Family Feud-The Insurance Addition:

100 people surveyed

Reasons people overpay for Home & Auto Insurance:

The #1 Answer:  I Don’t Know

The #2 Answer: Unwilling to talk to an Insurance Agents

Afraid of insurance agents?
Taking control of your insurance starts with finding an agent that you can trust


Maybe it’s time to experience TruePoint’s Customer Service.  Visit our site at www.insuringky.com for an instant online home, auto or home & auto package quote.  Instant insurance quotes in real-time, 24/7 without an agent.

Our customer focused approach puts you in the drivers seat.  In addition to instant online quotes, our clients have online access to all of their important personal insurance documents.  Stop worrying about getting pulled over by police with an expired certificate of insurance.  As long as you have a cell phone you can deliver acceptable proof of insurance any time night or day.  Maybe you have water standing in your basement.  You want to check your insurance policy but it has been ruined by the water.  Don’t go all weekend worrying if you have water backup coverage, visit the TruePoint Customer Portal to access the information that you need.  TruePoint provides full service insurance and risk management assistance to individuals and businesses in Kentkucky, Southern Indiana, the South Carolina Low Country and Coastal Georgia.


 Residents in Kentucky and Indiana should call:      (502) 410-5089
Residnets in Georgia or South Carolina shouild call:     (912) 330-1265
or visit our website at www.insuringky.com

or visit our website at www.insuringky.com