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About Us


Luckett & Luckett Insurance Agency is an independent insurance agency proudly representing several highly respected and top rated carriers such as AAA Insurance, Safeco, Travelers, Progressive and several others. Therefore we are able to offer you the best coverage at the most competitive price.

At the Luckett & Luckett Insurance Agency, you can expect to receive personalized service because we appreciate our clients and the trust they place in us. We have been selling auto/home/motorcycle/boat/business/life/health insurance since 1990 in the Bardstown and surrounding areas.

An Independent Advantage

We are independent agents, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. Luckett & Luckett Insurance represents a carefully selected group of financially strong, reputable insurance companies, therefore, we are able to offer you the best coverage at the most competitive price.

What is an Independent Insurance Agent?

When you decide to buy a car, you wouldn't purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn't have a choice!

The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family's financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, car insurance, home insurance or businessowner policy -- you wouldn't have a choice. The only solution would be going to that one company.

With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.

An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.

When you buy insurance, whether it's for your home, your car or your business, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, it's up to you to make the final choice.

The 2 Types of Insurance Agents

If you were shopping for a television, would you go to a store that only sold XYZ's brand? Or would you shop at a store that sold XYZ's brand as well as other manufacturers?

Would you buy insurance from an agent that only represents one specific company or one that can offer you insurance from several different companies?

This is the difference between the two types of insurance agents.

The one that can only sell from one specific insurance company is called a Captive agency.

The other kind is an Independent agent. They can do the shopping for you by comparing the rates and coverage options of these companies. As a result you can make a better, informed decision.