Auto Insurance Experts in Louisville Kentucky

Good Drivers are Responsible Drivers

Having proper Auto Insurance provides protection you need in the event of an occurrence. Damages to your vehicle and or another party, personal injuries, hit-and-runs, and theft, are examples of coverages that are available on an Auto policy.

Why Auto Insurance?

If you are involved in an accident without car insurance, you are looking at high out-of-pocket costs and possible legal issues.

Keeping your vehicle insured is the responsible thing to do. Auto Insurance can help reduce or cover property damage costs, personal injury expenses and legal expenses as a result of at fault accidents, medical expenses from injuries, road-side assistance, and much more. Since policies vary with protection options, it is important to talk to a specialist at Red Ox Insurance Agency to create a policy that protects your needs.

We provide car insurance to drivers near Louisville Kentucky.

Auto Insurance

What you need to know

If you were ever involved in an accident, and found to be at-fault for someone else’s bodily injuries, you could literally lose everything if you’re not properly insured.

What a lot of people don’t realize is, having great coverage doesn’t necessarily mean having higher insurance premiums.

Because Red Ox Insurance Agency is 100% independent, we can take your current coverages and compare them with a wide range of insurance providers to see who offers you the best deal possible.

The best part? It doesn’t cost you a penny more to use us. We are compensated by the insurance carriers directly, and work on your behalf to properly cover your needs and exposures, and make sure that there are no hidden gaps in your policy.

Common Auto Insurance Rating Variables


Insurance companies use your age in their overall rating algorithms. Drivers who are under 25, and over 65 typically don’t get preferred rates because statistics show that those two age demographics have the most loss frequency and are therefore more at risk for financial loss due to an auto accident.


Credit is a metric that has been used in insurance scoring for many years. The better your credit, the more favorable your rates will usually be.


The type of car, engine size, safety features, etc.. are all part of determining the rate.

Driving History

Your driving record and loss history plays a substantial role in the price. If you have a spotty driving history, or multiple moving violations or accidents, chances are, you won’t get a preferred rate until those things are at least 3 years old.


Insurance companies underwrite at the household level, meaning they try to judge based on the entire household, what the probability of loss will be. If there are multiple drivers in the house who are under the age of 25, that will impact everyone’s pricing in the household.

Start your auto quote

Red Ox Insurance Agency will work with you to develop a custom policy to meet your needs.