Top 9 Ways to Save Money on Car Insurance in Chattanooga

Having to pay for overpriced car insurance can empty your savings account and force you to make sacrifices. Comparing price quotes is a smart way to help make ends meet. Numerous battle for your hard-earned dollar, and because of this it can be hard to compare and get the definite lowest rate

If you have a policy now or need new coverage, you can follow these tips to get lower rates while maintaining coverages. Buying car insurance in Chattanooga is quite easy. Tennessee drivers only need an understanding of the proper way to get comparison rates on the web.

Save big with these nine discounts

Companies that sell car insurance do not advertise all available discounts in an easy-to-find place, so the following is a list of both the well known as well as the least known car insurance savings. If they aren't giving you every credit you deserve, you're paying more than you need to.

Fewer Miles Equal More Savings - Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
Paperless Signup - Some insurance companies may give you up to $50 simply for signing on their website.
Safety Course Discount - Taking a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
Anti-lock Brake Discount - Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
Save with a New Car - Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.
Pay Now and Pay Less - If you pay your bill all at once instead of paying each month you can actually save on your bill.
Senior Citizens - Mature drivers may receive reduced rates.
Student in College - Children living away from home attending college and don't have a car may qualify for this discount.
Auto/Home Discount - When you combine your home and auto insurance with the same company you could get a discount of 10% to 20% off each policy.

Consumers should know that most credits do not apply to all coverage premiums. Most only reduce individual premiums such as liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, companies don't profit that way.

To see a list of insurers with discount car insurance rates in Chattanooga, follow this link.

Car Insurance Prices in Chattanooga, Tennessee

Finding cheaper car insurance prices is a fairly straight forward process. You just have to spend a few minutes comparing rates online with multiple companies. This is very easy and can be done in a couple of different ways.

The best way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This method eliminates the need for a different quote for each company. One form submission will get you price quotes .
A more time consuming way to get quotes online requires a visit to the website for every company you want to comare and request a quote. For examples sake, let's assume you want comparison quotes from , and . You would have to take the time to go to each site to input your insurance information, which is why the first method is more popular.

To view a list of companies in Chattanooga, click here.

Which method you use is up to you, but ensure you are comparing the exact same coverage limits with every price quote. If the quotes have differing limits it's not possible to find the best deal in Chattanooga.

Car insurance ads bend the truth

Consumers in Tennessee can't get away from ads for car insurance savings by companies like 21st Century, Allstate and State Farm. All the companies say the same thing of big savings if you change to them.

How do they all claim to save you money?

Different companies have a preferred profile for the type of driver that is profitable for them. A good example of a profitable customer might be between 25 and 40, insures multiple vehicles, and drives less than 10,000 miles a year. Any new insured who fits that profile will get the preferred rates and most likely will cut their rates substantially.

Potential customers who fall outside the "perfect" profile must pay a more expensive rate which usually ends up with the customer not buying. The ads state "customers that switch" not "people who quote" save money. This is how insurance companies can confidently advertise the way they do. This illustrates why drivers must get quotes from several different companies. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

And the best car insurance company is...

Cost effective car insurance is attainable both online and with local Chattanooga insurance agents, so you should compare both to have the best rate selection. Some car insurance companies do not offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, you should never reduce coverage to reduce premium. There are a lot of situations where drivers have reduced full coverage and found out when filing a claim that the savings was not a smart move. The proper strategy is to get the best coverage possible at a price you can afford while not skimping on critical coverages.

More tips and info about car insurance can be read at the Tennessee Department of Commerce and Insurance website. Visitors are able to discover disciplinary actions, get help finding coverage, find disaster information, and view agent and company licensing information.