Bromley Auto Insurance Rates, Quotes, Agents & Reviews in KY

Bromley, KY Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Bromley, KY, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Latest Car Insurance Rates in Bromley, KY

Car insurance rates are constantly fluctuating, and drivers in Bromley, KY may be interested in the latest updates. In recent years, car insurance rates across the country have been on the rise, but there are always changes happening in specific areas. Bromley, KY, is no exception to this trend, and local drivers may want to keep up-to-date on the latest rates to ensure they are getting the best deal possible. The average cost of car insurance in Bromley, KY, is $1,878. This article will explore the latest car insurance rates in Bromley, KY, and provide insights on how to find the most affordable coverage. Whether you're a new driver or a seasoned veteran, understanding the car insurance landscape in Bromley, KY, can save you hundreds of dollars each year.

Credit History

Your credit history is a significant factor affecting car insurance rates in Bromley, KY. Insurance companies often use credit scores as a factor in determining premiums. Generally, the better your credit score, the lower your premiums will be. For example, in Bromley, KY, car owners with exceptional credit scores have to pay $1,611, while those with poor credit must pay $3,063. Therefore, the lower the vehicle insurance rates in Bromley, KY, the higher the credit score.

Age of the Driver 

Another significant factor that affects car insurance rates in Bromley, KY, is the age of the driver. Younger drivers typically have higher rates, while older drivers tend to have lower rates. This is because younger drivers are considered at higher risk due to their lack of experience and the higher likelihood of accidents. Teenagers in Bromley, Kentucky, pay $6,094 for auto insurance, while drivers over the age of 40 pay $1,788.

Driving Habits 

Driving habits also play a significant role in car insurance rates in Bromley, KY. Drivers who have a history of accidents or violations, such as speeding tickets or DUIs, are considered higher risk and can expect to pay higher premiums. Drivers who have a clean driving record and practice safe driving habits, such as avoiding distractions and obeying traffic laws, are considered lower risk and can expect to pay lower premiums. For example, in Bromley, Kentucky, car insurance rates increase by +$438 and +$1,266 for drivers who run red lights or have expired

Factors that can influence the cost of car insurance in Bromley, KY are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Bromley, KY Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Bromley, KY with that of other cities in and around Bromley.

Bromley Fort Wright Delshire Fort Mitchell Ludlow Crescent Springs
Average Insurance Rates $1,878 $2,046 $1,045 $2,144 $1,915 $2,089

Bromley, KY Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Bromley, KY based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Bromley $1,347 $1,138
Ludlow $1,427 $1,205
Park Hills $1,681 $1,420
Crescent Springs $1,376 $1,162
Delshire $1,043 $881
Fort Mitchell $1,398 $1,181
Villa Hills $1,470 $1,241
Fort Wright $1,747 $1,476

Bromley, KY Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Bromley, KY usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $6,094
20 Years $2,413
30 Years $1,859
40 Years $1,788
50 Years $1,656
60 Years $1,679
70 Years $1,954

Bromley, KY Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Bromley, KY can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $3,230 $526
3 Vehicles $4,845 $789
4 Vehicles $6,460 $1,052

Savings on 2 Vehicles bundle:$526

Savings on 3 Vehicles bundle:$789

Savings on 4 Vehicles bundle:$1,052

Bromley, KY Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Bromley, KY.

Location Average Insurance Cost Post DUI Insurance Rate
Bromley $1,878 $3,127
Ludlow $1,915 $3,188
Park Hills $2,042 $3,400
Crescent Springs $2,089 $3,478
Delshire $1,045 $1,691
Fort Mitchell $2,144 $3,570
Villa Hills $2,072 $3,450
Fort Wright $2,046 $3,407

Bromley, KY Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,611
Excellent (740-799) $1,839
Good (670-739) $1,957
Average (580-669) $2,553
Poor (300-579) $3,063

Bromley, KY Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Tri-City Insurance Services, Inc. None 234 Main St, Florence, 41042 (859) 308-1104
Garrick Straub State Farm 4135 Alexandria Pike Ste 107, Cold Spring, 41076-6801 859-442-7342
Burkhart Insurance Agency Travelers 803 SCOTT STREET STE 2, COVINGTON, 41011 859-292-8080
Newman & Tucker Ins Agency Liberty Mutual Independent 3617 ALEXANDRIA PIKE, COLD SPRING, 41076 859-441-2886
Roeding Group Companies Liberty Mutual Independent 2734 Chancellor Dr Ste 300, CRESTVIEW HILLS, 41017 (859) 341-0202
Michael Sadouskas Allstate 6785 Houston Rd Ste 200, Florence, 41042 (859) 282-2886
Jack Lillie Insurance Agency Inc Liberty Mutual Independent 1788 PETERSBURG RD, HEBRON, 41048 859-586-8580
Zahler & Associates Travelers 2216 DIXIE HWY STE 200-A, FORT MITCHELL, 41017 859-331-8588
C K Ash & Associates Inc Liberty Mutual Independent 8620 Us Highway 42, Florence, 41042 None
Garrick Straub Lutcf State Farm 4135 Alexandria Pike, Cold Spring, 41076-1819 859-442-7342

Bromley, KY Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$83 $1,961
Driver's Failure In Showing Documents +$182 $2,060
Driving With An Expired Registration +$193 $2,071
Driving At A Considerably Slow Pace +$408 $2,286
Using A Cellphone While Driving +$430 $2,308
Running A Red Light +$438 $2,316
Speeding +$460 $2,338
Driving A Vehicle Without The Required Permission +$584 $2,462
Driving With An Expired/Suspended License +$1,266 $3,144

Bromley, KY Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,803
Active Disabling Device $1,803
Tracking Device $1,765
Passive Disabling Device $1,747