Question: I’m looking for good low cost car insurance in Kentucky. I’ve found a couple of companies, but am looking for the best deal out there. Any advice would be appreciated. Thanks a lot.

Answer: The all time best way to find low cost car insurance in Kentucky is advice we’ve given in this column many, many times before. There is a floor to how low insurance policies will cost, but there is also a ceiling. You want to be the consumer that is on the floor. The best ways to accomplish this are to:

• Comparison shop. Call every company you can think of
• Ask around. Friends, neighbors, and coworkers are all resources you can tap into
• Join a club that has negotiated a group car insurance rate for its members
• Inform insurance companies of automatic seatbelts, low annual mileage, and anti-theft devices. All of the above can reduce premiums
• Take a safe driver course

By following the above advice you should be able to find good low cost car insurance in Kentucky. the only edge you have as a consumer is the fact you are willing to shop around for the best price. Don’t get lazy and accept the first price you are given. Good luck in your search and let us know how it turned out.