Cheap Car Insurance Louisville KY
We are an independent insurance agent in Louisville Ky. It is important as a consumer to shop for car insurance to find the best rate for your situation. Ask you agent about auto Liability insurance and other auto insurance coverages that may apply to your situation. Call today for a free car insurance quote 502-245-3625 Dick Watts Insurance. Compare auto insurance rates in Louisville KY . It is important to not let your Louisville car insurance lapse. A lapse in auto insurance coverage could lead to another auto insurance rate and cheap car insurance in Louisville KY
Wednesday, May 30, 2012
The 2012 Butchertown Art Fair is Saturday June 2nd from 10am-7pm in Butchertown Louisville KY . The takes place this Saturday on East Washington Street between Shelby and Wenzel. . This year the Art Fair will partner with Edge Outreach. Everyone is encouraged to bring all old worn out shoes or new shoes that you would like to donate.
There will be food, art, and jewelry. There will also be off site pet adoptions, if you would like to adopt a pet this weekend in Louisville KY
Butchertown Neighborhood Association
Rental Car Insurance Louisville KY
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The third annual Germantown Schnitzelburg Blues Festival Louisville is all about having fun. The festival takes place in Louisville this weekend June 1 and June 2 2012 . The Festival is in memory of the late John Carby and a portion of the proceeds will go to the American Caner Society. There will be booths and live entertainment. Check's Cafe is located nearby and will be offering fun food and pizza. The festival is located at East Burnett Ave in Louisville KY. If you have time this weekend stop by and ejoy the Germatown Schnitzelburg Blues Festival in Louisville KY.
Germatown Schnitzelburg Blues Festival
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Dick Watts Insurance
12200 Shelbyville Rd 112
Louisville, KY 40243
Monday, May 28, 2012
At the Rental Car CounterSince insurance is state regulated, the cost and coverage will vary from state to state. Consumers, however, can generally choose from the following coverages:
- Loss Damage Waiver (LDW) Also referred to as a collision damage waiver outside the U.S., an LDW is not technically an insurance product. LDWs do, however, relieve or “waive” renters of financial responsibility if their rental car is damaged or stolen. In some cases, waivers also provide coverage for “loss of use,” in the event the rental car company charges the renter for the time a damaged car can not be used because it is being fixed. It may also cover towing and administrative fees. These are some general guidelines every rental contract is different. Review your own contract to determine the contents.
Waivers, however, may become void if the accident was caused by speeding, driving on unpaved roads or driving while intoxicated. If you already have comprehensive and collision coverage on your own car, check with your personal auto insurer to make sure you are not duplicating coverage you already have. Should you decide it is necessary, this coverage generally costs between $9 and $19 a day. Auto insurance quote Louisville KY
- Liability Insurance
According to some state laws, but not all, rental companies must provide the state required amount of liability insurance. Generally, these amounts are low and do not provide much protection. If you have adequate amounts of liability protection on your own car, you may consider forgoing additional liability protection. If you want the supplemental insurance, it will cost between $7 and $14 a day.
Those who do not own their own car and are frequent car renters, can also consider purchasing a non-owner liability policy. This not only provides liability protection when you rent a car, but also when you borrow someone else’s car.
- Personal Accident Insurance
Personal Accident Insurance offers coverage to you and your passengers for medical and ambulance bills for injuries caused in a car crash. If you have adequate health insurance or are covered by personal injury protection under your own car insurance, you may not need this additional insurance. It usually costs about $1 to $5 a day.
- Personal Effects Coverage
Personal Effects Coverage provides insurance protection for the theft of items in your car. If you have a homeowners or renters insurance policy that includes off-premises theft coverage, you are generally covered for theft of your belongings away from home, minus the deductible. If you purchase this coverage through the rental car company, it generally costs between $1 and $4 a day.
If you frequently travel with expensive items such as jewelry, cameras, musical equipment or sports equipment, it may be more cost-effective to purchase a personal articles floater under your homeowners or renters insurance policy. With such a floater, your valuable items are protected at home as well as while traveling anywhere in the world and the coverage is broader.
Other Things to ConsiderStates have minimum age requirements for renting a car and most major rental car companies refuse to rent a car to someone who is under 21 and in some cases under 25. In addition, some rental car companies now investigate your driving record and/or credit history so check with the rental car company before picking up the car.
If you are planning to rent a car abroad there may not be any insurance coverage, contact both your insurance agent and travel agent to find out what you need to do to be properly insured. Those driving a rental car from the U.S. into Mexico may find it progressively more difficult to rent a car as U.S. rental car companies are increasingly concerned about the rising crime rates in that country. The minimum required insurance coverage to drive in Mexico is civil liability insurance which covers you in case you cause injury or damage. Your American liability insurance is not valid in Mexico for bodily injury, though some American insurance policies will cover you for physical damage—check with your agent or insurance company representative. You can also buy Mexican car insurance in several American border towns; there are generally several storefronts selling Mexican car insurance near the border. Cheap Car Insurance Louisville KY . Every auto insurance policy is different, review your own auto insurance policy first to determine if there is auto insurance coverage for a rental.
Call your insurance agent first before Renting a vehicle. Every insurance policy is different, your auto insurance policy may not cover a rental vehicle. If you would like more information about auto insurance contact Dick Watts Insurance 12200 Shelbyville Road Louisville KY 40243 502-245-3625
Tuesday, May 1, 2012
Oaks night May 04, 2012
The Galt House Grand Ballroom
The Julep which benefits the James Brown Graham Cancer center is May 4 at the Galt House.
Some of the many celebrities scheduled for the event are Doris Roberts, Star Jones, and Fred Willard.
For more information on the Julep
or The Julep A Party with a Purpose
Thank you for visiting
Dick Watts Insurance
Louisville Car Insurance
12200 Shelbyville Rd 112
Louisville KY 40243
Kentucky Derby Festival
Monday, April 30, 2012
Saturday night's hail left some homes and cars damaged in Louisville. Some viewers say it was the size of quarters, and some even say the size of golf balls. Sunday, we got a good look at some of the damage near Eastern Parkway and Bradley Avenue. Some cars have dents in them, and some windows were broken out. Some homes were also impacted. "It started out pea-sized hail and kept getting bigger. It got up to golf ball Hail Storm
Recent hail claim in Louisville KY on Saturday April 28, 2012 . Please let us know if you have hail damage and need to report a claim to your insurance company. Here is a list of insurance claims phone numbers Progressive Insurance 1-800-274-4499 Safeco Insurance 1-800-332-3226 Travelers Insurance 1-800-252-4633 Motorists Insurance 1-800-876-8766 Please call us if you have any questions Dick Watts Insurance 12000 Shelbyville Rd 112 Louisville, KY 40243 502-245-3625 502-365-5132