AUTO Insurance
Protecting Your Vehicle & Your Peace of Mind
Your vehicle is an essential part of your daily life—make sure it’s fully covered with an auto insurance policy that fits your needs. Whether you drive a car, truck, SUV, or motorcycle, we offer flexible coverage options that keep you protected on the road.

At our company, we help drivers across Kentucky, and surrounding states find reliable, affordable auto insurance. From accidents and theft to liability protection, we ensure you and your vehicle have the coverage you need.
What Does Auto Insurance Cover?
Auto insurance is designed to protect you from financial loss in case of an accident, theft, or damage to your vehicle. While every policy is different, standard coverage typically includes:
Liability Coverage
Covers bodily injury and property damage if you’re at fault in an accident.
Collision Coverage
Pays for repairs or replacement if your car is damaged in a crash.
Comprehensive Coverage
Protects against theft, vandalism, natural disasters, and more.
Uninsured/Underinsured Motorist
Covers your medical bills and vehicle repairs if hit by an uninsured driver.
Medical Payments (MedPay)
Helps cover medical costs for you and your passengers after an accident.
Personal Injury Protection (PIP)
Covers medical expenses, lost wages, and more, regardless of fault.
Types of Auto Insurance We Offer
Car Insurance
Covers accidents, theft, and liability to keep your vehicle protected on Lexington’s roads.
Truck Insurance
Provides customized coverage for pickups, work trucks, and heavy-duty vehicles.
Motorcycle Insurance
Specialized coverage for motorcycles, scooters, and touring bikes, keeping you safe on every ride.
Recreational & Classic Car Insurance
Tailored policies for classic cars, RVs, and specialty vehicles, ensuring full protection.
Common Questions About Auto Insurance
How does auto insurance work?
Auto insurance protects you financially by covering repairs, medical expenses, and liability if you’re involved in an accident. Policies vary based on your coverage limits, deductibles, and risk factors. If you file a claim, your insurance company will assess the damage and either pay for repairs or compensate you based on your policy terms
What type of auto insurance do I need in Kentucky?
Kentucky requires minimum liability coverage to legally drive, including:
- $25,000 per person and $50,000 per accident for bodily injury.
- $25,000 per accident for property damage.
- Personal Injury Protection (PIP) for medical costs.
Additional coverage, such as collision, comprehensive, and uninsured motorist protection, is recommended for full financial security.
Does auto insurance cover rental cars?
Most auto policies extend coverage to rental cars, but this depends on your insurer. If you frequently rent vehicles, consider rental reimbursement coverage to avoid extra costs.
Does my credit score affect my auto insurance rate?
Yes, credit scores can impact auto insurance rates in Kentucky. Insurers use credit-based insurance scores to determine risk levels, so maintaining good credit may help lower premiums.
Can I bundle auto and home insurance for a discount?
Yes! Bundling auto and home insurance with the same provider often results in significant savings. Ask about our multi-policy discounts to lower your insurance costs.
