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Old 09-23-2016, 09:03 AM
6,342 posts, read 11,089,409 times
Reputation: 3090


Originally Posted by eok View Post
I wonder if rates depend on the person's age. I know they partly depend on what car they drive. My insurance is liability only. I'm too frugal to drive an expensive car, so it wouldn't make sense for me to pay for collision and comprehensive insurance, when all I really need is liability.

I've heard they also take into account your credit scores, and whether you've had accidents or tickets. Also you can save some money by paying six months at a time. My monthly rate is around $35, from dividing my six month premium by six.

Part of why Kentucky is more expensive than other states might be that part of the premium is for taxes.

Geico is actually cheaper for me, if I only take car insurance into account. But State Farm gives discounts for having more than one kind of insurance with them. And that makes them cheaper for me overall.
I have a friend that owns a insurance agency and asked him if he knew why and he can't figure it out either.

I'm middle aged, clean record (no tickets or at fault accidents) and my credit score is good. The rates I ran for Covington which is a suburb of Cincinnati is about 30 to 40% higher than the Ohio side, Pittsburgh and Missouri when I ran rates at various locations in those areas. Indianapolis is a bit higher than the others but around 30% less than Covington.

But Louisville? Essentially twice as high compared to all but Covington. And about 60% higher than Covington.
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Old 09-23-2016, 09:05 AM
6,342 posts, read 11,089,409 times
Reputation: 3090
Originally Posted by censusdata View Post
Louisville has small ZIP codes and if you move to a more urban ZIP you insurance goes up quite a bit. In my early 20s and car insurance in Lyndon was a bit more than Lexington. It went up a lot when I moved to the Highlands and then was sky high in Old Louisville. In hindsight I wouldn't live in Old Louisville just because my car insurance - despite a perfect driving record and having a cheap non sports car - was $150 a month or more. That's one hidden advantage living in the Victorian parts of New Albany IN has over a place like the Highlands, in Indiana the insurance is already cheaper (no fault state) and the ZIP codes cover each entire small city so you aren't punished for living in an urban area.
Thanks. That probably explains it then. I was running rates in urbanized areas of the city. It's of little consolation though since there does not seem to be a way to get around it other than to find a smaller city or rural area. And the No Fault issue is likely a factor as well.
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Old 09-28-2016, 12:06 PM
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You are so right. I recently moved from one of the places where you previously lived, and thought the exact same thing just about 2-3 weeks ago.

People here cannot drive. End of story.
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Old 09-28-2016, 01:42 PM
5 posts, read 8,590 times
Reputation: 15
Default Car Insurance

Originally Posted by ServoMiff View Post
My car insurance DOUBLED when moving to Louisville from downtown San Francisco. Crazy. Everything you said is 100% accurate. The cloverleafs PLUS fewer freeway lanes are the biggest issue. Are they actually going to fix those things once they get the bridge and spaghetti junction projects done, or is it more of the same?
Did you learn what I think is the primary reason for the higher insurance? NO FAULT INSURANCE. So people can just drive around crashing into people and they never really have to answer for it. They just deal with their own insurance for the damage to their own vehicle.
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