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With its lavish horse derbies and competitive college sports rivalries, Kentucky is an exciting state, to say the least. With the excitement comes risk, however, and risk needs protection, which is where insurance agencies come into play. From automobile insurance to life insurance, insurance companies in the state of Kentucky offer many products to its residents.

Before you finalize your car insurance purchase, it’s helpful to know the following tips. Try to compare the benefits of the various policies that companies offer.

  • Shop for what you need: Some car insurance companies specialize in offering policies to drivers with poor driving records or DUIs, for example.
  • Collision Coverage: Keep your eyes peeled for collision coverage. Some policies, while significantly cheaper than others, will only offer half or 1/3 of the value of needed repairs, in the event of a car accident.
  • Incentives: Many automobile insurance companies provide incentives to good drivers if they maintain an excellent driving record for a period of time. These incentives can be monetary or in other forms.

Here are just a few auto insurance companies to consider in Kentucky:

Al Torstrick Insurance Agency

Al Torstrick Insurance Agency is a locally owned and operated insurance agency in the city of Lexington. Its services include a range of premium insurance products, such as automobile, life, home, and business coverage. Al Torstrick offers the products of some of the nation’s most reputable insurance carriers, such as United Healthcare and Guardian. The agency serves the residents of the city of Lexington.

Dick Watts Insurance Company

With more than 25 years of company experience, Dick Watts Insurance Company is an independent insurance agency that operates in a large city with a small-town approach. Primarily catering to local residents of Louisville, Dick Watts Insurance Company makes available insurance policies from some of the nation’s leading insurers. Dick Watts Insurance Company specializes in automobile insurance policies.

Dennis Sinor Insurance Agency

Dennis Sinor Insurance Agency is a company that offers competitive insurance policies to the city of Bowling Green. In addition to Bowling Green, Dennis Sinor operates in the city of Goodlettsville, Tennessee. They offer a wide range of products, such as auto insurance, homeowners insurance, and business/commercial insurance to their customers. They’re family owned but provide the experience and service of a large insurance corporation.


Al Torstrick Insurance Agency and Dick Watts Insurance Agency are independent insurance companies that offer top-tier automobile insurance policies, as well as other forms of insurance. Dennis Sinor Insurance Agency offers a flexible range of insurance products and services and has two locations.