7 Tricks to Save on Car Insurance in Bristol

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me when I say there are lots of people in the same boat.

Lots of contend for your hard-earned dollar, so it can be very hard to choose a to discover the definitive lowest price

It's important to compare rates every six months since rates are constantly changing. Despite the fact that you may have had the best rates a couple years back a different company probably has better rates today. There is a lot of bad information regarding car insurance on the web, but I'm going to show you some great ways to find cheap car insurance.

If you currently have car insurance, you will most likely be able to reduce your rates substantially using these methods. Buying car insurance in Bristol is quite easy. Nevertheless, Tennessee consumers do need to know the way companies compete online.

Take advantage of discounts

Companies don't always publicize all their discounts in an easy-to-find place, so the following is a list of both the well known as well as the least known savings tricks you should be using.

  • Senior Citizens - If you qualify as a senior citizen, you may be able to get better car insurance rates.
  • Multiple Vehicles - Insuring multiple vehicles on one policy may reduce the rate for each vehicle.
  • Life Insurance - Larger companies have lower rates if you buy life insurance from them.
  • Drive Less and Save - Fewer annual miles could qualify for discounted rates on garaged vehicles.
  • Clubs and Organizations - Being a member of certain professional organizations is a good way to get lower rates on car insurance.
  • No Accidents - Drivers with accident-free driving histories pay less as compared to drivers who are more careless.
  • Sign Online - Some insurance companies may give you up to $50 simply for signing on their website.

It's important to understand that most discounts do not apply to all coverage premiums. Most only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like you could get a free car insurance policy, it doesn't quite work that way.

Bristol car insurance comparison

Are car insurance companies telling the truth?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream ads on TV and radio. They all seem to make an identical promise of big savings after switching to their company. How do they all claim to save you money?

Different companies are able to cherry pick for the driver that earns them a profit. A good example of a desirable insured might be between the ages of 30 and 50, has no driving citations, and drives less than 10,000 miles a year. Any new insured who meets those qualifications is entitled to the best price and most likely will cut their rates substantially.

Potential insureds who don't qualify for the "perfect" profile will have to pay more money and ends up with the customer not buying. The ads state "customers that switch" not "people who quote" save that much. That's the way insurance companies can confidently advertise the way they do. Because of the profiling, drivers should compare many company's rates. It's just too difficult to predict which car insurance company will provide you with the cheapest rates.

More tips and info about car insurance can be read at the Tennessee Department of Commerce and Insurance website. Visitors are able to read enforcement actions against agents and companies, report car insurance fraud, view agent and company licensing information, and find disaster information.

Do the work, save more money

As you go through the steps to switch your coverage, never skimp on coverage in order to save money. There are many occasions where someone sacrificed full coverage and found out when filing a claim that the savings was not a smart move. Your aim should be to buy a smart amount of coverage at a price you can afford.

Low-cost car insurance can be bought both online and also from your neighborhood Bristol agents, and you should compare price quotes from both in order to have the best chance of saving money. Some car insurance companies may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.