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There are many auto insurance companies in Kentucky that claim to have cheap auto insurance. The best thing to do is get a lot of quotes, the good thing about the Internet is that you can ask for quotes without leaving your house. But I would really recommend you creating a email address that will only be used for this. I recommend this because once you start requesting quotes you are going to get a lot of emails. Not only from the insurance company but other sites advertising other stuff.

You have to realize that insurance companies can't just offer you a quote, there are many things they have to take into consideration first. Those things depend on how much you will be paying for your auto insurance. These things are your past driving record, your credit history, where you may live, and may be a few others that they use to calculate what you will pay.

• Past driving record is pretty self explanatory, depending on your past driving habits they may consider you high risk and charge you more money. They may even decline you all together meaning that they feel you are too much of a risk to have you as their client.

• Credit history is another one that they use, they use this and if you happen to have a bad credit history they may think that you are irresponsible and may charge you a higher rate. This one isn't as critical as your driving history but it still can raise your insurance.

• Where you live is something else they may take into consideration. If you happen to live in a bad area they may feel that your car is at more of a risk there then if you had lived somewhere else.

But don't worry there are things that will lower you insurance premium also, some of these things could be your car having electric seat belts, ABS (Anti-lock Braking System), and air bags also. There are some other things depending on the insurance company. There are also things like being a full time student, being under your parents policy, taking defensive driving classes, and some other things you can do.

• Full time students can sometimes help lower you insurance premium, not only that but some insurance companies give you discounts if you are on the honor roll, or if you are part of a fraternity, you can also get discounts if you are a member of AAA.

• Under parents policy is a good way to get discounts, for one if you are under theirs they will usually get a multi car discount, and they figure if you are under your parents policy you will be more responsible when driving. The only thing with this is you have to live under your parents house.

• Defensive driving classes can lower your insurance premium as well. They feel that if you are willing to learn defensive driving habits you will be safer on the road then someone that hasn't. You will be more aware of other drivers that someone that hasn't taken that class.

• Area of Residency is a factor in helping lower your insurance as well as make it higher. If you live in a area that the insurance company deems as safe it could lower your insurance premiums.

• Multiple cars can also lower how much you pay in car insurance, they also offer deals if you get your renters insurance or your home owners insurance through them as well. They also lower your renters or home owners insurance drastically if you are insured through them with your car.
  

Needless to say there are many ways you can get your insurance cheaper, as well as make it more expensive. Just be safe and responsible, and in time you will be able to find cheap auto insurance in Kentucky.