Action Insurance:

Auto Insurance

  • Your journey to cheaper car insurance is a click away!

    We are Bowling Green born and raised and know exactly how to save our Western Kentucky clients on their auto insurance. Get your Bowling Green and Western Kentucky car insurance quote:

    Get Quote
  • Bowling Green Kentucky Aerial Photo

    Aerial photo of Bowling Green, KY

Ways To Save Checklist

We’ve compiled a list of ways to save on your next insurance policy. These are things you should know and strive to “check off” with your next policy.

  • check Carriers give you discounts after two years, but don’t stay too long, these discounts max out at 5 years!

  • check Multiple policies means more savings. Combine coverages for Home, Apartment, Motorcycle, Boat, etc.

  • check Owning your home will net you a huge discount.

  • check Maintaining coverages for more than a year makes you an appealing client, coverages will be cheaper.

  • check Staying accident-free for 3 to 5 years will net you large discounts.

  • check Driving less than 12,000 miles per year will lower your auto policy rates.

  • check Keeping liability limits at $100k/$300k will save you money in the long run.

Get A Quote scheduleSchedule A Call
  • Action Insurance Auto Note Icon Action Insurance Auto Note Icon
  • Interesting Notes:

    • check_box You have an “insurance score” just like you have a credit score. And your credit history plays a large part. The better your credit, the better your rate.

    • check_box The higher your liability limits, the less you will pay for insurance.

    • check_box If your vehicles are paid off, you’ll pay less.

    • check_box You have to have $250k/$500k in order to have an umbrella policy.

What’s covered?

Liability Coverage

Liability coverage includes both bodily injury and property damage liability coverage and is required in most states. Basically, if you cause an accident, hurt someone or damage someone’s property, it can pay for covered damages and to defend you if a lawsuit results.

Comprehensive Coverage

Comprehensive coverage helps pay for damage to your vehicle that is not caused by a collision. For example, theft, vandalism, hitting a deer or other animal, storms and certain natural disasters.

Collision Coverage

Collision coverage helps pay for damage to your vehicle if your car hits another car or object, gets hit by another car or if your vehicle rolls over. This coverage is generally required if your car is financed or leased.

Personal Injury Protection

Personal injury protection (PIP), also called no-fault insurance, is available in certain states. It pays medical expenses, and in some cases lost wages and other damages regardless of who is at fault in an accident.

Uninsured/Underinsured Motorist Coverage

Uninsured or underinsured motorist coverage can help pay for damages and medical costs resulting from an accident caused by someone who has no insurance or inadequate insurance coverage.

Deductibles and Limits

Your car insurance deductible is the amount you’ll pay out of pocket before your insurance kicks in. The lower the deductible, the less you’ll pay out of pocket if an accident occurs. Selecting a higher deductible may lower your auto insurance premium. Your car insurance coverage limits, also referred to as limit of liability, are the most your insurance will pay if you have a claim. Choosing a higher coverage amount provides you additional protection if an accident occurs. The available coverage limits may vary by coverage type and state. It is important to choose limits that meet your needs.

We’re available to answer any additional auto insurance questions you might have:

schedule Schedule A Call