Tightwads Instructions on Saving on Ashland City Auto Insurance

Overpriced auto insurance can drain your savings account, especially in this economy. Shopping your coverage around is free, only takes a few minutes, and is a good way to make sure you're not throwing money away.

Lots of contend for your insurance dollar, and because of this it can be hard to compare and get the best coverage at the lowest rate

It's important to get comparison quotes yearly because prices are constantly changing. Just because you had the best deal a year ago you will most likely find a better rate today. So ignore everything you know about auto insurance because you're going to get a crash course in the only way to save on auto insurance.

Are you getting all your discounts?

Car insurance can cost a lot, but companies offer discounts that you may not even be aware of. Certain discounts will be triggered automatically at the time of purchase, but lesser-known reductions have to be specifically requested prior to receiving the credit.

  • Good Student Discount - Performing well in school can get you a discount of up to 25%. The discount lasts until age 25.
  • Multi-policy Discount - If you have multiple policies with one insurance company you could get a discount of up to 20% off your total premium.
  • Air Bag Discount - Vehicles with factory air bags or automatic seat belts can get savings up to 30%.
  • Low Mileage - Driving fewer miles can qualify you for discounted rates on garaged vehicles.
  • Own a Home - Being a homeowner can help you save on auto insurance because owning a home requires personal responsibility.

Keep in mind that most discount credits are not given to your bottom line cost. Most only cut the cost of specific coverages such as medical payments or collision. So despite the fact that it appears it's possible to get free car insurance, it just doesn't work that way. But any discount will cut the cost of coverage.

Tennessee auto insurance

Tailor your coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone's needs are different so your insurance should reflect that For instance, these questions can help discover whether you will benefit from professional help.

  • Should I buy only the required Tennessee minimum liability coverage?
  • What are the best liability limits?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my vehicle covered for flood damage?
  • Does my policy cover my teen driver if they drive my company car?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my dog or cat covered if injured in an accident?

If you're not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

How can State Farm and Allstate save drivers who switch?

Companies like State Farm and Allstate constantly bombard you with ads on television and other media. All the ads make an identical promise that you can save if you switch your policy. How do they all claim to save you money?

All companies have a preferred profile for the right customer that earns them a profit. An example of a preferred risk might be between the ages of 40 and 55, has no prior claims, and has excellent credit. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and as a result will probably cut their rates substantially.

Potential customers who are not a match for the "perfect" profile will be charged higher prices and ends up with the customer not buying. The ad wording is "people who switch" not "everybody who quotes" save that kind of money. This is how insurance companies can make those claims.

That is why you should quote coverage with many companies. It's impossible to know which insurance companies will have the lowest rates.

More information is available on the website for the Tennessee Department of Commerce and Insurance through this link. Visitors are able to file complaints about a company, view agent and company licensing information, discover disciplinary actions, and read industry bulletins.

Tennessee auto insurance quotes

Do the work, save more money

We covered some good ideas how you can reduce auto insurance prices online. The key thing to remember is the more you quote, the better likelihood of reducing your rate. Drivers may discover the lowest priced auto insurance comes from an unexpected company. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as .

While you're price shopping online, you should never buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice comprehensive coverage or liability limits to discover at claim time they didn't purchase enough coverage. Your goal should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

Affordable auto insurance is available both online in addition to many Ashland City insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some companies do not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.