Easy Tips to Pay Less on Bethel Springs Auto Insurance

Finding the best price on Bethel Springs auto insurance can be a challenge if you're new to online quotes. But don't let that discourage you because there is an easy way to compare rates.

It's important to get comparison quotes periodically since insurance rates are constantly changing. Even if you got the lowest price last year you can probably find a lower rate today. There is a lot of wrong information about auto insurance on the web, but we're going to give you some great ways to find affordable auto insurance.

Buying car insurance in Bethel Springs is easy if you know what you're doing. If you have a current auto insurance policy or need new coverage, you can follow these tips to shop for the lowest rates while maximizing coverage. Tennessee vehicle owners just need to know the best way to get comparison rates over the internet.

Tennessee auto insurance

How to Get Bethel Springs Auto Insurance Comparison Quotes

Cutting your Bethel Springs auto insurance rates is not a difficult process. You just have to invest a few minutes getting comparison quotes from different insurance companies. This can be accomplished in a couple of different ways.

  • The recommended way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This type of form prevents you from having to do separate forms for every auto insurance company. Just one form gets rate comparisons from several companies. Just one form and you're done.
  • A harder way to get quotes online is spending the time to visit each company website to request a price quote. For examples sake, let's assume you want to compare , and . To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why most consumers use the first method.

    To view a list of companies in Bethel Springs, click here.

Whichever method you choose, be sure to compare apples-to-apples information for each price quote. If the quotes have higher or lower deductibles it will be impossible to truly determine the lowest rate in Bethel Springs.

Save big with these discounts

Companies that sell car insurance don't always advertise every available discount very well, so we researched some of the best known and the more hidden discounts you could be receiving. If you don't get every credit you qualify for, you're paying more than you need to.

  • Early Switch Discount - A few companies offer discounts for signing up before your current expiration date. It's a savings of about 10%.
  • Good Student - A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Multi-policy Discount - When you combine your home and auto insurance with the same company you may earn up to 20% off your total premium.
  • Air Bag Discount - Vehicles with factory air bags or motorized seat belts can receive discounts of more than 20%.
  • Seat Belt Usage - Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off the personal injury premium cost.
  • Federal Employees - Being employed by or retired from a federal job can save as much as 8% with certain companies.
  • Life Insurance Discount - Select insurance companies reward you with a break if you buy a life insurance policy as well.
  • E-sign - Certain companies give back up to $50 for buying a policy and signing up online.
  • New Vehicle Savings - Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
  • Low Mileage - Fewer annual miles could be rewarded with a substantially lower rate.

Drivers should understand that some credits don't apply to the entire policy premium. Most only reduce the cost of specific coverages such as medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, companies wouldn't make money that way.

To see a list of providers who offer auto insurance discounts in Tennessee, click here.

But I don't know anything about car insurance

When choosing the best auto insurance coverage for your vehicles, there really is no single plan that fits everyone. Everyone's needs are different.

These are some specific questions may help highlight if your situation will benefit from professional help.

  • Does my car insurance cover rental cars?
  • Should I buy only the required Tennessee minimum liability coverage?
  • What are the best liability limits?
  • Should I drop comprehensive coverage on older vehicles?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered if I drive in a foreign country?

If you can't answer these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Additional Tennessee consumer information

More detailed Tennessee auto insurance information is located at the Tennessee Department of Commerce and Insurance website. Tennessee drivers can learn about specific coverages, file complaints about a company, and view agent and company licensing information.

Additional helpful sites include III.org's auto insurance page and this directory of insurance agents in Bethel Springs Tennessee.