5 Discounts Blountville Shoppers Forget when Shopping for Car Insurance

Searching for affordable Blountville car insurance on the web is somewhat difficult for beginners to online price comaprisons. With so many choices of companies in the marketplace, how can consumers have a chance to compare every one to find the cheapest rates?

It's important to take a look at other company's rates yearly since rates are constantly changing. If you had the best rates a few years ago there is a good chance you can find better rates now. There is a lot of bad information regarding car insurance on the web, but I'm going to show you some great ways to reduce your car insurance bill.

Compare Car Insurance Today

All major car insurance companies such as Progressive, GEICO, Allstate and State Farm provide coverage prices online. Getting quotes is pretty painless as you just type in your required coverages as detailed in the form. After the form is submitted, their rating system will obtain your credit score and driving record and returns a price quote based on many factors.

Quoting online helps simplify price comparisons, but the time required to go to several different sites and type in the same information can be a bit repetitive. But it's very important to compare as many rates as possible if you want to find the best price on car insurance.

The preferred way to compare car insurance pricing is to use a quote form that gets price quotes from more than one company. The form is fast, reduces the work, and makes online quotes much more enjoyable. As soon as you send your information, it gets priced and you are able to buy any of the resulting price quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. The whole process can be completed in less than 10 minutes and you'll know if lower rates are available.

To find out if lower rates are available, click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you input the coverage information identical to your current policy. This makes sure you will have comparison quotes for the exact same coverage.

Are you getting all your discounts?

Car insurance companies don't always list all their discounts in an easy-to-find place, so the following is a list of some of the more common and the harder-to-find ways to save on car insurance.

College Student - Any of your kids living away from home attending college without a vehicle on campus can be insured at a reduced rate.
New Car Discount - Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
Pay Upfront and Save - If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
More Vehicles More Savings - Buying coverage for multiple cars or trucks with the same company qualifies for this discount.
Braking Control Discount - Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like all the discounts add up to a free policy, car insurance companies aren't that generous.

To choose companies with the best car insurance discounts in Blountville, click this link.

How can Progressive, GEICO, Allstate and State Farm save drivers who switch?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use ads on television and other media. They all seem to make the same claim about savings if you move to their company. How do they all make the same claim? This is how they do it.

All companies have a preferred profile for the driver that makes them money. A good example of a desirable insured could be a mature driver, has no prior claims, and drives less than 7,500 miles a year. Any new insured who matches those parameters is entitled to the best price and as a result will probably cut their rates substantially.

Consumers who are not a match for the "perfect" profile will have to pay higher prices which leads to business going elsewhere. Company advertisements say "drivers who switch" not "everybody who quotes" save that much. This is how companies can truthfully advertise the way they do. Because of the profiling, you need to compare as many rates as you can. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

Tailor your coverage to you

When buying coverage for your personal vehicles, there is no "perfect" insurance plan. Everyone's situation is unique.

For instance, these questions can help discover whether you would benefit from professional advice.

Do I pay less if my vehicle is kept in my garage?
Who is covered when they drive my vehicle?
Do I have any recourse if my insurance company denies a claim?
Am I covered when driving on a suspended license?
Do I need PIP (personal injury protection) coverage in Tennessee?
Why does it cost so much to insure a teen driver in Blountville?
Does my policy cover me when driving someone else's vehicle?

If it's difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Even more information can be read at the Tennessee Department of Commerce and Insurance website. Consumers can read enforcement actions against agents and companies, file complaints about an insurance agent or broker, and view a list of available companies.

Final considerations

When shopping online for car insurance, never reduce coverage to reduce premium. There are many occasions where consumers will sacrifice full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy enough coverage for the lowest price.

Insureds who switch companies do it for any number of reasons including not issuing a premium refund, delays in paying claims, extreme rates for teen drivers or even lack of trust in their agent. Regardless of your reason for switching companies, switching car insurance companies is easier than you think.

Cheap car insurance is possible from both online companies and also from your neighborhood Blountville agents, and you need to price shop both in order to have the best price selection to choose from. Some car insurance companies may not provide online price quotes and most of the time these small insurance companies sell through independent agents.