Tightwads Guide to Saving on Cleveland Car Insurance

Having to pay for overpriced car insurance can overdraw your savings account and force you to make sacrifices. Comparing price quotes is a great way to reduce premiums and put more money in your pocket. Because you have many car insurance companies to choose from, it is very difficult to locate the lowest price provider.

Finding affordable coverage in Cleveland is quite easy. If you are paying for car insurance now, you will be able to cut costs considerably using this information. Tennessee drivers only need an understanding of the most effective way to compare company rates online.

Be sure to get all your discounts

Auto insurance companies don't always list all available discounts very well, so we researched both the well known and the more hidden discounts you could be receiving. If you don't get every credit you deserve, you are throwing money away.

  • More Vehicles More Savings - Buying insurance for multiple cars or trucks on one policy could earn a price break for each car.
  • Senior Citizens - If you qualify as a senior citizen, you can possibly qualify for better car insurance rates.
  • Service Members Pay Less - Being deployed with a military unit can result in better rates.
  • Good Student Discount - Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
  • Student in College - Youth drivers who are attending college without a vehicle on campus can receive lower rates.
  • Life Insurance Discount - Larger companies have a break if you buy auto and life insurance together.
  • Fewer Miles Equal More Savings - Keeping the miles down could be rewarded with a substantially lower rate.

It's important to understand that some of the credits will not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, it doesn't quite work that way.

How do I know if I need professional advice?

When it comes to buying the best car insurance coverage for your personal vehicles, there really is no perfect coverage plan. Each situation is unique and your policy should reflect that. For example, these questions may help you determine whether or not you would benefit from professional advice.

  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Should I buy additional glass protection?
  • Do I have coverage when using my vehicle for my home business?
  • Do I need to file an SR-22 for a DUI in Tennessee?
  • Do I pay less if my vehicle is kept in my garage?
  • When does my teenage driver need to be added to my policy?
  • What happens if I owe more than my vehicle is worth?
  • Is my dog or cat covered if injured in an accident?

If you can't answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It's fast, doesn't cost anything and can provide invaluable advice.

Is there truth in advertising?

Consumers in Tennessee get pounded daily by advertisements for car insurance savings by Allstate, GEICO and Progressive. All the companies have a common claim of big savings if you move to their company.

But how can every company claim to save you money?

All the different companies have a preferred profile for the driver that earns them a profit. For instance, a profitable customer might be a mature driver, insures multiple vehicles, and has a high credit rating. Any driver that hits that "sweet spot" will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Drivers who don't measure up to this ideal profile must pay higher premiums and this can result in the customer not buying. The ad wording is "people who switch" but not "drivers who get quotes" save that much. This is how insurance companies can confidently state the savings. This illustrates why you should quote coverage with many companies. You cannot predict which insurance companies will have the lowest rates.

More sites with car insurance information

More tips and info about car insurance is located at the Tennessee Department of Commerce and Insurance website. Visitors are able to report car insurance fraud, learn about insurance regulations, find disaster information, and file complaints about a company.

Also read more on this link for Tennessee car insurance quotes and this page for help finding agents in Cleveland, TN.

Cleveland car insurance comparison

And the best car insurance company is...

Low-cost car insurance is possible both online and also from your neighborhood Cleveland agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies may not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

As you restructure your insurance plan, don't be tempted to buy lower coverage limits just to save a few bucks. In too many instances, drivers have reduced liability coverage limits only to discover later that they should have had better coverage. Your focus should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.