3103 Breckenridge Ln
Louisville, KY 40220
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The Palacio Miller Family of agencies -
Proudly Serving a five-state area!

Auto Insurance FAQ

Everyone wants to save money. At Palacio Miller Agency serving Louisville, KY and the surrounding areas, we can help you better understand how to get the best deals on insurance products. If you have questions about auto insurance, we can help. 

Am I Required By Law To Carry Auto Insurance?

In the state of Kentucky, it is required by law that you carry a minimum auto policy in order to operate a vehicle. A minimum auto policy would only include liability coverage.

Is Liability Coverage Enough?

Just because the legal minimum is liability coverage, does not mean that is necessarily all you need. You can operate your vehicle legally, but if you are in an accident, a liability policy will not pay for repairs to your car, or replacement of your car if it is totaled. This type of policy also will not help to pay for any medical bills that may result for you if you are injured during an accident. Liability-only coverage can leave you financially vulnerable should you be in an accident. 

How Can I Get The Best Deal On Auto Insurance?

You can keep your insurance costs low by maintaining a clean driving record. This is one of the best ways to avoid rate increases. You can also qualify for discounts when you bundle different insurance products from the same company. For instance, homeowners and auto policies. 

It is also important to talk with an insurance representative so that you can best understand which vehicles should be listed as primary vehicles on your policy. 

If you would like to learn more about our auto insurance or any of our other insurance services, please contact us at Palacio Miller Agency serving Louisville, KY, and the surrounding areas. 


  1. We are locally owned and operated!

  2. We provide coverage through multiple carriers!

  3. We can combine coverage to save you money!

  4. We offer friendly customer service!

  5. You have 24-hour access to your policy info!


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