Get Affordable Monticello, KY Auto Insurance Quotes (2024)

UPDATED: Jun 14, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jun 14, 2023Fact Checked

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Heidi Mertlich

Licensed Insurance Agent

Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...

Licensed Insurance Agent

Travis Thompson

Licensed Insurance Agent

Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...

Licensed Insurance Agent

UPDATED: Jun 14, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Jun 14, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jun 14, 2023Fact Checked

Are you looking for the best auto insurance rates in Monticello? If so, check out our list of auto insurance agents below. To get rates for your vehicle, contact these agents directly. If you would like to compare auto insurance rates in Monticello online, please enter your Monticello zip code at the top of this page to get the cheapest car insurance quotes in the area.

Lakeland Insurance Group
100 Access Dr Ste E, Monticello, KY 42633
(606) 3485300

Jack Shearer Insurance Agency
1293 N Main St Ste 114, Monticello, KY 42633
(606) 3489334

Kentucky Farm Bureau Insurance
1720 N Main St, Monticello, KY 42633
(606) 3486651

Upchurch Insurance & Financial Services
181 W Highway 90 Byp, Monticello, KY 42633
(606) 3489585

Melinda Esau
4179 S Highway 76, Russell Springs, KY 42642
(270) 8662345

McKinney & Blair
66 Shelby St, Jamestown, KY 42629
(270) 3433144

Jack & Jack Insurance Agency
2395 N Main St, Jamestown, KY 42629
(270) 3435363

KY Insurance
901 S Highway 27, Somerset, KY 42501
(606) 6769797

Kenneth Ramsey
Po Box 431, Monticello, KY 42633
(606) 3489292

L Ramsey Hicks Insurance Agency
Po Box 437, Monticello, KY 42633
(606) 3409424

Frequently Asked Questions

Why is auto insurance important in Monticello, KY?

Auto insurance is crucial in Monticello, KY, and everywhere else, as it provides financial protection in case of accidents, vehicle damage, theft, or injuries to yourself or others. It is also a legal requirement to have a minimum amount of auto insurance coverage in Monticello, KY.

What factors affect the cost of auto insurance in Monticello, KY?

Several factors can influence the cost of auto insurance in Monticello, KY, including your driving record, age, gender, type of vehicle, coverage options, deductible amount, credit history, and the area where you live. Insurance providers consider these factors to assess risk and determine premiums.

How can I find affordable auto insurance quotes in Monticello, KY?

To find affordable auto insurance quotes in Monticello, KY, you can take the following steps:

  1. Compare quotes: Shop around and compare rates from multiple insurance providers to find the best options.
  2. Assess coverage needs: Evaluate the coverage options you require and adjust them accordingly to avoid paying for unnecessary coverage.
  3. Maintain a good driving record: A clean driving record can help you qualify for lower insurance premiums.
  4. Bundle policies: Some insurers offer discounts if you bundle your auto insurance with other types of coverage, such as home or renters insurance.
  5. Inquire about discounts: Ask about available discounts for factors like safe driving, good student grades, or installing safety features in your vehicle.

Can I get auto insurance if I have a poor driving record or previous accidents?

Yes, you can still get auto insurance coverage in Monticello, KY, even if you have a poor driving record or previous accidents. However, insurance providers may consider you a higher risk and charge higher premiums. Some insurers specialize in providing coverage for high-risk drivers, so it’s advisable to explore different options and compare quotes.

How can I lower my auto insurance premiums in Monticello, KY?

Here are some ways to potentially lower your auto insurance premiums in Monticello, KY:

  • Increase your deductible: Opting for a higher deductible can lower your premium, but ensure you can afford to pay the deductible amount if needed.
  • Maintain a good credit score: In some states, including Kentucky, insurers may use credit history to determine premiums, so maintaining a good credit score can help.
  • Drive safely: Avoid accidents and traffic violations to maintain a clean driving record, which can lead to lower premiums over time.
  • Inquire about discounts: Ask your insurance provider about available discounts for factors like safe driving, low mileage, vehicle safety features, or bundling policies.

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Heidi Mertlich

Licensed Insurance Agent

Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...

Licensed Insurance Agent

Travis Thompson

Licensed Insurance Agent

Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Free Auto Insurance Comparison

Compare over 200 auto insurance companies at once!

secured lock Secured with SHA-256 Encryption