Call us: (606) 677-0717


Excellent insurance agents in Somerset, KY

Contact American Insurance Agency of Somerset, KY today for information about all the policies and products our insurance agents have to offer. Feel free to call us at (606) 677-0717, send us a message using the contact form on this page, or simply drop by if you have the time. We're here to serve you.
A family contacting our insurance agents in Somerset, KY

Contact information

4311 S Highway 27 Ste 2
Somerset, KY 42501

(606) 677-0717


Hours of operation

Monday - Friday: 8 am - 5 pm
Saturday - Sunday: Closed
We accept cash, checks, debit and credit cards

Find us here

Serving Somerset, KY and surrounding areas

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Our Blog 

September 23, 2014
Shedding Light On Car Insurance Savings
It can be easier than you think to put the brakes on high auto insurance rates – as an independent agency, American Insurance can help! We can review your policy and possibly help you find a variety of illuminating ways to save money. Here are some things you may want to consider:

• Ask us to check several companies’ rates. This is the single most important thing you can do to get the best possible rate—and we can do it for you quickly and easily. The difference between the highest and lowest rate available to you from different companies could vary by hundreds of dollars.

• Reduce or drop physical damage coverage on an older car. Depending on your car’s age and where you live, comprehensive and collision coverage may not be worth keeping. We can give you advice on whether it makes sense to reduce or drop this coverage altogether.

• Raise your deductible. According to the Insurance Information Institute, raising your deductible from $200 to $500 could reduce your collision and comprehensive cost by 15 to 30 percent. In addition, because the average driver files a collision claim only once every ten years, odds are that over the lifetime of your car, a higher deductible will save you money. We can show you how raising your deductible will lower your premium.

• Look for discounts. Many insurance companies reduce premiums for certain driver traits or car features. For example: being a homeowner for more than three years, nonsmoker, nondrinker, students with good grades, senior citizens who have taken an approved defensive driving course, people who only drive for pleasure, cars kept in garages, antilock brakes, antitheft devices, air bags, etc. Ask us to check.

• Don’t assume having your car and home insured by the same company is the best option. Because auto insurance rates vary so much from company to company, it may make sense for you to have your car and home insured by separate companies. Let’s talk about it.

September 9, 2014

Pay-as-you-go insurance is on the rise. It is now estimated that over 1 million cars are using this service. These computers monitor your driving habits and then adjust your rate accordingly. What are your thoughts on usage based insurance? Is this something you would ever try personally?

Septeber 2, 2014

Summer driving can be dangerous, from canoes flying off vehicles to being in an accident while towing your boat. It is a good idea to call your insurance agency to make sure that you are covered no matter what happens on the road!

August 26, 2014

According to a recent report Americans now have on average 59% of the life insurance coverage they need. With just over 60% of Americans having policies the numbers are troubling. Is life insurance something you are looking into? We can help you out! Feel free to give us a call or stop by the office! To see the full article go to
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