{"id":607,"date":"2018-08-17T13:07:50","date_gmt":"2018-08-17T19:07:50","guid":{"rendered":"https:\/\/www.insuringky.com\/blog\/?p=607"},"modified":"2018-08-17T13:07:50","modified_gmt":"2018-08-17T19:07:50","slug":"car-insurance-quotes-are-not-a-commodity","status":"publish","type":"post","link":"https:\/\/www.insuringky.com\/blog\/car-insurance-quotes-are-not-a-commodity\/","title":{"rendered":"Car Insurance Quotes are not a Commodity"},"content":{"rendered":"<p style=\"text-align: left;\"><a href=\"http:\/\/www.insuringky.com\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-475 alignleft\" src=\"https:\/\/www.insuringky.com\/blog\/wp-content\/uploads\/2018\/06\/TruePoint-Insurance-Insights-300x200.png\" alt=\"on target to reducing the cost of insurance. TruePoint Insurance, we are insuringky.com\" width=\"213\" height=\"142\" srcset=\"https:\/\/www.insuringky.com\/blog\/wp-content\/uploads\/2018\/06\/TruePoint-Insurance-Insights-300x200.png 300w, https:\/\/www.insuringky.com\/blog\/wp-content\/uploads\/2018\/06\/TruePoint-Insurance-Insights.png 576w\" sizes=\"auto, (max-width: 213px) 100vw, 213px\" \/><\/a>I\u2019ve heard it said the car insurance quotes are the same, the only thing different is the price.\u00a0 I don\u2019t think that is true but my thoughts are not important.\u00a0 You alone should be the one to decide how to insure the risk that is created by owning an automobile.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Consider the following questions:<\/strong><\/p>\n<ul>\n<li>Do you know how much liability coverage your current auto insurance policy provides?<\/li>\n<li>Do you think having Kentucky car insurance that includes coverage for uninsured or underinsured motorist is important?<\/li>\n<li>Is your car insured?<\/li>\n<\/ul>\n<p>The third question is easy.\u00a0 If you answered anything other than Yes, then I certainly hope that it is parked.\u00a0 Unfortunately, there are lots of individuals in Kentucky that are driving cars that do not have insurance coverage in place.\u00a0 The number is alarming; <strong>it is estimated that over 15% of Kentucky cars on the road have no insurance.\u00a0 <\/strong><\/p>\n<p>This is a good segway into question two.\u00a0 If you think that the number of uninsured drivers is alarming, how many underinsured vehicles are on the road.\u00a0 The answer to that is, potentially everyone.\u00a0 The state minimum requirements for bodily injury are $25,000 per individual capped at $50,000 if multiple<\/p>\n<p>I\u2019ve heard it said the car insurance quotes are the same, the only thing different is the price.\u00a0 I don\u2019t think that is true but my thoughts are not important.\u00a0 You alone should be the one to decide how to insure the risk that is created by owning an automobile.<\/p>\n<p><strong>Before moving consider the following questions:<\/strong><\/p>\n<ul>\n<li>Do you know how much liability coverage your current auto insurance policy provides?<\/li>\n<li>Do you think having Kentucky car insurance that includes coverage for uninsured or underinsured motorist is import?<\/li>\n<li>Is your car insured?<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-thumbnail wp-image-609 alignleft\" src=\"https:\/\/www.insuringky.com\/blog\/wp-content\/uploads\/2018\/08\/uninsured-motorist-150x150.jpg\" alt=\"uninsured motorist, underinsured motorist\" width=\"150\" height=\"150\" \/>The third question is easy.\u00a0 If you answered anything other than Yes, then I certainly hope that it is parked.\u00a0 Unfortunately, there are lots of individuals in Kentucky that are driving cars that do not have insurance coverage in place.\u00a0 The number is alarming; <strong>it is estimated that over 15% of Kentucky cars on the road have no insurance.\u00a0 <\/strong><\/p>\n<p>This is a good segway into question two.\u00a0 If you think that number of uninsured drivers is alarming, how many underinsured vehicles are on the road.\u00a0 The answer to that is, potentially everyone.\u00a0 The state minimum requirements for bodily injury are $25,000 per individual capped at $50,000 if multiple<img loading=\"lazy\" decoding=\"async\" class=\"alignright size-thumbnail wp-image-608\" src=\"https:\/\/www.insuringky.com\/blog\/wp-content\/uploads\/2018\/08\/drug-costt-150x150.jpg\" alt=\"Rising medical cost making car insuance more expensive\" width=\"150\" height=\"150\" \/> individuals are injured.\u00a0 Amounts that will not go very far in today\u2019s health care system.<\/p>\n<p>If you answered <strong>NO <\/strong>to the second question, I would suggest you reconsider.\u00a0 With over 15% of Kentucky drivers not insured and even more underinsured, your current car insuance is just that.\u00a0 It\u2019s wrong or at least missing a critical component, like the r in insurance.<\/p>\n<p>With that said, I think we have enough information already to say that you the answer to the first question should be <strong>YES.\u00a0 <\/strong>I will close with this, If you don\u2019t know how your auto liability insurance limits or if and to what level your covered in the event your hit by an uninsured or underinsured driver, then you\u2019re not making your own risk management decisions, and it\u2019s most likely because you\u2019re not being given the opportunity.\u00a0 The risk associated with your home, auto, business or anything else is yours.\u00a0 Click the link below to learn more about TruePoint\u2019s client-focused approach.\u00a0 You deserve an agency that values educating as opposed to selling.<\/p>\n<div id=\"click_to_dial_wrapper\" style=\"display: inline;\"><strong><strong>Give us a call at <a style=\"color: inherit; text-decoration: underline; pointer-events: auto;\" title=\"Click to dial with Communicator\" href=\"glocom:\/\/5024105089\">(502) 410-5089<\/a><\/strong><\/strong><\/p>\n<div style=\"background-image: url('chrome-extension:\/\/omdailfkkflmmjpeijgmepjpkaicbman\/glocom_icon.jpg'); background-size: 100%; background-repeat: no-repeat; width: 12px; height: 12px; margin-left: 5px; display: inline-block;\"><\/div>\n<p><strong><a style=\"color: inherit; text-decoration: underline; pointer-events: auto;\" title=\"Click to dial with Communicator\" href=\"glocom:\/\/5024105089\"><\/a> or click<\/strong><\/div>\n<p><strong><a href=\"http:\/\/www.insuringky.com\">www.insuringky.com<\/a> to learn how you can take control of your personal risk management Today!<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"http:\/\/www.insuringky.com\"><img loading=\"lazy\" decoding=\"async\" class=\"size-thumbnail wp-image-378 alignleft\" src=\"https:\/\/www.insuringky.com\/blog\/wp-content\/uploads\/2018\/07\/click-to-return-to-home-page-150x150.jpg\" alt=\"Return to TruePoint Home Page\" width=\"150\" height=\"150\" \/><\/a><\/p>\n<p><a href=\"http:\/\/www.insuringky.com\/lawrenceburg-location.html\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright  wp-image-262\" src=\"https:\/\/www.insuringky.com\/blog\/wp-content\/uploads\/2018\/06\/Standaes-New-Transparent-logo-1-Slender-300x74.png\" alt=\"TruePoint Insurance Logo\" width=\"292\" height=\"72\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>I\u2019ve heard it said the car insurance quotes are the same, the only thing different is the price.\u00a0 I don\u2019t think that is true but my thoughts are not important.\u00a0 You alone should be the one to decide how to insure the risk that is created by owning an automobile. &nbsp; Consider the following questions: [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[64,565,280,570,267,572,571,270,567,566,568,569],"class_list":["post-607","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","tag-auto-insurance","tag-car-insuance","tag-car-insurance","tag-ky-auto-coverage","tag-ky-auto-insurance","tag-ky-auto-quote","tag-ky-auto-quotee","tag-ky-car-insurance","tag-underinsured-motorisr","tag-underinsured-motorist-insuracne","tag-uninsured-motorist","tag-uninsured-motorist-insurance"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/posts\/607","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/comments?post=607"}],"version-history":[{"count":1,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/posts\/607\/revisions"}],"predecessor-version":[{"id":610,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/posts\/607\/revisions\/610"}],"wp:attachment":[{"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/media?parent=607"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/categories?post=607"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/tags?post=607"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}