There are many drivers in Kentucky that sacrifice coverage and service just to get the cheapest premiums. In fact, there are a lot of ways that drivers can get great rates without having to compromise. All they need to do is spend some time researching and asking people for recommendations. Sometimes, the best car insurance deals do not come from the most prominent companies. There are many smaller insurance providers in Kentucky that offer affordable rates with favorable coverage and service.Getting Started with Kentucky Car InsuranceBefore jumping into car insurance shopping, residents should take time learning the basics. They should familiarize themselves with current car insurance laws in Kentucky.Kentucky car insurance laws state that all drivers should have liability coverage, uninsured and underinsured motorist coverage and personal injury protection. Kentucky drivers need to carry $25,000 in bodily injury liability coverage per person, $50,000 per accident and $10,000 for damages to other peoples' property per accident. Kentucky is a no-fault state, and drivers are required to carry $10,000 in PIP coverage.Drivers may also obtain comprehensive and collision coverage for additional protection. If a Kentucky policy holder gets into an accident, their insurance company will pay for all the damages. The other party's insurance company will also cover them up to their policy limits. Alternatively, drivers can always sue whoever they feel is responsible for the accident.Take Advantage of Cheap Car Insurance in KentuckyBy knowing the minimum requirements for car insurance in their state, drivers can start searching for the cheapest rates. They can opt to purchase the minimum coverage to get lower premiums.Searching online is always the best way to come up with the cheapest rates. It is important that residents always go with a licensed insurance provider. They should obtain quotes and compare prices while keeping coverage amounts in mind. Not all cheap policies offer good coverage. Residents should always opt for policies with higher coverage limits and lower premiums.Furthermore, drivers should gather all the information needed before choosing a policy. This includes available discounts, coverage details and deductibles. They should also be aware that premiums can go even lower when they take advantage of discounts. Most importantly, they should answer questions honestly to ensure that they get the most precise premium estimates.