Vehicle
Personal
This category includes your personal use, private vehicle: automobiles, pick-ups, SUV’s, etc. Discounts apply for multi-vehicle policies, home ownership, clean driving records and prior insurance.
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Commercial
This category applies to vehicles used by a business entity. Commercial vehicles are generally the same types of vehicles used for ‘personal use’, however, they are used in business (i.e., construction, delivery, livery, sales, etc.). Discounts apply for multi-vehicle policies, clean driving records and prior insurance. (Note: Motor Vehicle Records are checked on all listed drivers.)
Coverage available only in Kentucky at this time.
Classic / Antique
This category applies to vehicles 15-years and older. Certain restrictions apply: Vehicle must be driven less than 2500 miles per year; must be stored in a locked garage; minimum of 10 years driving experience; no more than 1 accident/violation per driver-maximum of 2 per household; must be in 90% condition. Due to the restrictions placed on these vehicles, premiums are held down.
