Shepherdsville, KY Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Shepherdsville, 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.
Ways to Reduce the Cost of Auto Insurance in Shepherdsville, KY
The average cost of auto insurance in Shepherdsville, KY, is $1,953. This is higher than neighboring locations such as Brooks and Bullitt County but much lower than nearby locations like Shepherdsville Northwest, Hebron Estates, and Fox Chase. The cost of auto insurance can vary from one neighborhood to another. Residents of Shepherdsville should compare multiple auto insurance quotes and reviews before deciding on the one that best suits their needs. Here are some ways to reduce the cost of insurance in Shepherdsville, KY.
Multi-Car Insurance:
Car owners in Shepherdsville, KY, can reduce insurance costs by insuring their vehicles with the same auto insurance company. Insurers offer discounts on multi-car insurance policies. Bundling is another way of increasing your savings. Car owners can insure their life, auto, and home insurance with the same insurer in order to get added benefits.
The cost of insuring two cars under a multi-car insurance policy in Shepherdsville, KY, is $3,398, which helps to save $508. Further, insuring three cars costs $5,097, which helps you save $762. The savings on multi-car insurance also depends on the make and model of the vehicle.
Credit Scores:
Having an “excellent” or “good” credit score will also help car owners to reduce the cost of auto insurance in Shepherdsville, KY. Several auto insurance companies provide discounts to the car owner that have a higher positive credit score. Car insurance companies use the Credit Score of car drivers to determine suitable car insurance rates.
Driving Violations:
Different types and number of driving violations often lead to increased costs of auto insurance. These driving violations stay on the driver record for a considerable amount of time, leading to higher auto insurance rates. It is the severity of violations that determine how long it will stay on record.
Residents of Shepherdsville, KY, can save on auto insurance by avoiding driving violations and having a clean record. Below are examples of some common driving violations and their cost effect on auto insurance.
Anti-Theft Feature:
Car owners in Shepherdsville, KY, can also save more on auto insurance by equipping their vehicles with anti-theft features. Cars equipped with safety devices are less prone to thefts, and as a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. However, these discounts on auto insurance depend on the type and number of safety devices installed in the vehicle.
Factors that can influence the cost of car insurance in Shepherdsville, 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.
- Shepherdsville, KY Auto Insurance Rates
- Shepherdsville, KY Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Shepherdsville, KY
- Multi Vehicle Insurance Savings in Shepherdsville, KY
- How Credit Score Affects Car Insurance Rates in Shepherdsville, KY
- How DUI Affects Auto Insurance Premiums in Shepherdsville, KY
- Top Auto Insurance Agents Near Shepherdsville, KY
- How Driving Violations Affect Auto Insurance Rates in Shepherdsville, KY
- Shepherdsville, KY Auto Insurance Discounts on Anti Theft Feature
Shepherdsville, KY Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Shepherdsville, KY with that of other cities in and around Shepherdsville.
| Shepherdsville | Brooks | Bullitt County | Shepherdsville Northwest | Hebron Estates | Fox Chase | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,953 | $1,924 | $1,407 | $1,961 | $2,054 | $2,098 |
Shepherdsville, 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 Shepherdsville, 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) |
|---|---|---|
| Shepherdsville | $1,667 | $1,408 |
| Bullitt County | $1,579 | $1,334 |
| Shepherdsville Northwest | $1,434 | $1,211 |
| Hillview | $1,955 | $1,651 |
| Fox Chase | $2,172 | $1,835 |
| Hebron Estates | $1,848 | $1,561 |
| Shepherdsville Southeast | $1,826 | $1,543 |
| Brooks | $1,949 | $1,646 |
Shepherdsville, KY Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Shepherdsville, 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 | $6,337 |
| 20 Years | $2,509 |
| 30 Years | $1,933 |
| 40 Years | $1,860 |
| 50 Years | $1,722 |
| 60 Years | $1,746 |
| 70 Years | $2,032 |
Shepherdsville, KY Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Shepherdsville, 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 | $3,398 | $508 |
| 3 Vehicles | $5,097 | $762 |
| 4 Vehicles | $6,796 | $1,016 |
Savings on 2 Vehicles bundle:$508
Savings on 3 Vehicles bundle:$762
Savings on 4 Vehicles bundle:$1,016
Shepherdsville, 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 Shepherdsville, KY.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Shepherdsville | $1,953 | $3,252 |
| Bullitt County | $1,407 | $2,343 |
| Shepherdsville Northwest | $1,961 | $3,265 |
| Hillview | $1,931 | $3,215 |
| Fox Chase | $2,098 | $3,493 |
| Hebron Estates | $2,054 | $3,420 |
| Shepherdsville Southeast | $1,983 | $3,302 |
| Brooks | $1,924 | $3,203 |
Shepherdsville, 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) | $1,676 |
| Excellent (740-799) | $1,913 |
| Good (670-739) | $2,035 |
| Average (580-669) | $2,655 |
| Poor (300-579) | $3,186 |
Shepherdsville, 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 |
|---|---|---|---|
| David Franck | State Farm | 8217 Shelbyville Rd, Louisville, 40222-5421 | 502-339-1400 |
| Glenn E Martin Insurance | Travelers | 10226 SHELBYVILLE RD, LOUISVILLE, 40224 | 502-245-8870 |
| Richard Deel | Allstate | 3394 Burkland Blvd, Shepherdsville, 40165 | (502) 955-1240 |
| Joe Gottbrath | State Farm | 157 Thierman Ln, Louisville, 40207-5056 | 502-895-9463 |
| Jim Matthews Iii | State Farm | 10250 Hwy 44E, Mt Washington, 40047-0035 | 502-955-8515 |
| Garrett-Stotz Company | Liberty Mutual Independent | 1601 Alliant Avenue (502) 415-7000 Louisville, Jeffersontown, 40299 | (502) 912-9314 |
| Dick Newton | State Farm | 3110 Taylorsville Rd, Louisville, 40205-3134 | 502-458-9543 |
| Patriot Group | None | 620 West Shipp Avenue, Louisville, 40208 | None |
| Heritage Ins Service Inc | Liberty Mutual Independent | 908 LILY CREEK RD STE 201, LOUISVILLE, 40243 | 502-287-0900 |
Shepherdsville, 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 | +$86 | $2,039 |
| Driver's Failure In Showing Documents | +$189 | $2,142 |
| Driving With An Expired Registration | +$201 | $2,154 |
| Driving At A Considerably Slow Pace | +$424 | $2,377 |
| Using A Cellphone While Driving | +$447 | $2,400 |
| Running A Red Light | +$455 | $2,408 |
| Speeding | +$478 | $2,431 |
| Driving A Vehicle Without The Required Permission | +$607 | $2,560 |
| Driving With An Expired/Suspended License | +$1,316 | $3,269 |
Shepherdsville, 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 | $1,875 |
| Active Disabling Device | $1,875 |
| Tracking Device | $1,836 |
| Passive Disabling Device | $1,816 |