6 Ways You Can Buy Car Insurance for Less in Bells Tennessee

Comparison shopping for Bells car insurance is a challenge for consumers not familiar with comparing rates online. You have so many choices that it can be a lot of work to find lower rates in Bells.

It's important to do rate comparisons before your policy renews since rates are constantly changing. Just because you found the lowest rates a few years ago there is a good chance you can find better rates now. So just forget all the misinformation about car insurance because we're going to show you the tricks you need to know to remove unneeded coverages and save money.

This article will let you in on how to get online quotes. If you have car insurance now, you will be able to lower your premiums substantially using this information. Although Tennessee car owners do need to know the way insurance companies sell online and use this information to your advantage.

Cheap Bells Car Insurance Comparisons

The are a couple different ways to compare rate quotes and find the best price. One of the best ways to find competitive insurance rates is to perform an online rate comparison. This is very easy and can be done using a couple different methods.

  1. The fastest way to get the best comparison quotes is a comparison rater form click to view form in new window. This type of form eliminates the need for separate quotes for every car insurance company. In just a few minutes this one form gets you price quotes instantly. It's definitely the quickest method.
  2. A different way to shop for car insurance online requires visiting each individual company website to complete their respective quote request forms. For instance, we'll assume you want rates from , and . To get rate quotes you would need to go to every website and enter your policy data, which is why most consumers use the first method. For a list of links to companies insuring cars in Bells, click here.
  3. The most time-consuming way to get comparison rates is driving to different Bells agent offices. The internet eliminates the need for an insurance agent unless you prefer the trained guidance of a local Bells agent. It is possible to find lower rates online but buy from a local insurance agent and we'll cover that in a bit.

However you get your quotes, ensure you're using identical quote information on every quote you get. If you use mixed coverages it will be impossible to determine which rate is truly the best in Bells. Slightly different coverages can mean a large discrepancy in price. And when price shopping your coverage, more quotes helps you find the best offered rates.

Policy discounts you shouldn't miss

Insuring your vehicles can cost a lot, but you may find discounts that you may not know about. Larger premium reductions will be automatically applied when you quote, but lesser-known reductions have to be manually applied prior to getting the savings.

  • Homeowners Pay Less - Owning a house in Bells can save you money due to the fact that maintaining a home is proof that your finances are in order.
  • Accident Free - Claim-free drivers can save substantially as compared to accident-prone drivers.
  • One Accident Forgiven - Certain companies permit an accident before hitting you with a surcharge as long as you don't have any claims prior to the accident.
  • Bundle and Save - If you insure your home and vehicles with one company you will save up to 20% off your total premium.
  • Anti-lock Brakes - Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
  • Anti-theft Discount - Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.

A little note about advertised discounts, some of the credits will not apply to the entire cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.

To choose companies who offer car insurance discounts in Tennessee, click here.

Save $429 a year? Really?

Car insurance companies such as State Farm, GEICO and Progressive continually stream television and radio advertisements. They all seem to have a common claim about savings after switching to them. How does each company make the same claim?

All companies can use profiling for the type of driver that makes them money. For example, a desirable insured could be a mature driver, is a homeowner, and drives less than 7,500 miles a year. Any new insured that hits that "sweet spot" is entitled to the best price and is almost guaranteed to save when switching.

Potential customers who don't qualify for these standards will have to pay a higher premium and this can result in business going elsewhere. Company advertisements say "people who switch" but not "drivers who get quotes" save money. That's why companies can truthfully advertise the way they do.

Because of the profiling, you need to get a wide range of price quotes. It's just too difficult to predict the company that will provide you with the cheapest rates.

Additional information can be found on the Tennessee Department of Commerce and Insurance website through this link. Consumers can report car insurance fraud, read industry bulletins, and get help finding coverage.

Other informative sites include this page for Tennessee car insurance and this page for help finding agents in Bells, TN.

The best insurance company isn't always the cheapest

The cheapest car insurance can be sourced from both online companies and with local Bells insurance agents, and you need to price shop both to have the best rate selection. Some car insurance companies do not offer online price quotes and most of the time these regional insurance providers sell through independent agents.

Drivers change insurance companies for many reasons like an unsatisfactory settlement offer, high rates after DUI convictions, policy non-renewal or even policy cancellation. No matter why you want to switch, finding the right car insurance provider is easier than you think.

When shopping online for car insurance, make sure you don't reduce coverage to reduce premium. In many cases, an accident victim reduced uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy enough coverage at an affordable rate.