Tightwads Guide for Saving on Atoka Car Insurance

No one in their right mind looks forward to paying for car insurance, especially when their premiums are through the roof.

Insurance companies such as GEICO and Progressive constantly bombard you with TV and radio ads and it is difficult to sift through the bull and do the work needed to find the best deal.

It's important to compare prices occasionally because rates are constantly changing. Just because you had the lowest rates a year ago you can probably find a lower rate today. Starting now, forget anything you know (or think you know) about car insurance because you're going to learn the tricks you need to know to find lower rates on car insurance.

Tennessee car insurance quotes

Atoka Car Insurance Quote Comparison

There are several ways to compare quotes from different Atoka insurance companies. The best method to find competitive insurance rates is to perform an online rate comparison. This can be done in a couple of different ways.

  • The recommended way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This method keeps you from doing repetitive form submissions for each company you want a rate for. A single form will return quotes from multiple companies.
  • Another way to compare rate quotes is to take the time to go to the website for each individual company and fill out their own quote form. For example, let's assume you want to compare , and . To get each rate you have to visit each site and enter your information, which is why the first method is more popular.

    To view a list of companies in Atoka, click here.
  • The least efficient method to compare rates is driving to different agent offices. Buying insurance online has reduced the need for local agents unless you require the trained guidance that only a license agent can provide. You can, however, get the lowest quotes online and still use a local agent and we'll talk about that later.

Which method you use is up to you, but make absolute certain that you use exactly the same coverages and limits for each comparison quote. If you have different deductibles it's impossible to determine the lowest rate in Atoka. Just a small difference in coverages may cause a big price difference. And when quoting car insurance, remember that obtaining a wide range of quotes will improve the odds of getting a lower rate.

Take advantage of discounts

Companies that sell car insurance do not advertise all their discounts in a way that's easy to find, so we break down some of the more common as well as the least known car insurance savings.

  • Bundle and Save - When you combine your home and auto insurance with the same company you may earn at least 10% off all policies.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
  • Passive Restraint Discount - Factory air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Federal Employees - Being employed by or retired from a federal job could cut as much as 10% off with select insurance companies.
  • Good Student - A discount for being a good student can earn a discount of 20% or more. This discount can apply until age 25.
  • Homeowners Savings - Owning a house in Atoka may trigger a car insurance policy discount because owning a home is proof that your finances are in order.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Some only reduce individual premiums such as collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, you won't be that lucky.

To see a list of companies offering car insurance discounts in Atoka, follow this link.

How to know if you need help

When choosing adequate coverage for your vehicles, there really is not a best way to insure your cars. Everyone's situation is a little different and a cookie cutter policy won't apply. These are some specific questions might point out whether your personal situation would benefit from professional advice.

  • What is the difference between comprehensive and collision coverage?
  • Does my insurance cover a custom paint job?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered if I drive in a foreign country?
  • Do I need to file an SR-22 for a DUI in Tennessee?
  • Does my policy cover my teen driver if they drive my company car?
  • Is rental equipment covered for theft or damage?

If you don't know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, fill out this quick form or you can go here for a list of companies in your area.

For more Tennessee car insurance information

Even more information can be found at the Tennessee Department of Commerce and Insurance website. Consumers can view agent and company licensing information, find out industry alerts, download brochures, and get help finding coverage.