Without trying too hard, it is possible to get cheap Kentucky Auto Insurance. As a resident in the state of Kentucky, you have a lot of control over how much you will be charged on your car insurance. But it is up to you to make sure you don't pay too much. It is important to know that it isn't difficult to find affordable auto insurance; you just have to know how to find it. Although all these principles are quite basic, most people have no idea about them. With this knowledge, you will be able to effectively and quickly find cheap Kentucky auto insurance. The first step you should take in saving yourself money on your insurance is going to your insurance agent and making sure you are getting all the possible discounts. There are many different discounts out there, and if you work with your agent to give him all the information possible, you will be able to save money each month on your insurance. You can get a good discount for being a member of the military. If you are younger, you can get a discount for having good grades. Other discounts include having a clean driving record, having a safe car, and things as insignificant as having a bank account or having an email address. As you set your deductible, know that the price you decide on weighs heavily upon the prices you will be offered by the insurance company. They are correlated inversely; the higher you set your deductible the lower your premiums will be. As long as you have enough in savings to pay a higher deductible in the case of an accident, you should raise your deductible to save yourself significant cash. Perhaps the largest factor on the prices you receive for insurance are the levels of liability you choose. If you live in the state of Kentucky, it is required that you have a minimum of $25,000/$50,000 $10,000. This will be the cheapest way to insure your car, but it is definitely not the most intelligent. It is smart to raise your limits of liability in order to better protect yourself in the case of an accident. If you already own your car, or if it isn't worth much, you might decide to change your coverage. If you change your coverage from comprehensive to liability, you will save hundreds of dollars a year. However if you are currently paying off your car, your lender won't allow this.