7 Tips to Save on Car Insurance in Collierville

Are you sick and tired of robbing Peter to pay Paul each month for car insurance? You are no different than the majority of other car owners in Tennessee. Lots of contend to insure your vehicles, so it's not easy to compare every to get the lowest price

It's important to price shop coverage before your policy renews since rates are constantly changing. Despite the fact that you may have had the lowest rates on your last policy you can probably find a lower rate today. Starting right now, forget all the misinformation about car insurance because we're going to show you the tricks you need to know to lower your annual insurance bill.

If you have a current car insurance policy or need new coverage, you can follow these tips to shop for the lowest rates while maintaining coverages. Finding affordable coverage in Collierville is quite easy. Tennessee drivers only need an understanding of the proper way to compare rates over the internet.

Collierville car insurance quote

Cheap Collierville Car Insurance Comparisons

Cutting your Collierville car insurance rates can be surprisingly simple. Consumers just need to spend a few minutes to compare rate quotes from different insurance companies. This is very easy and can be done in a couple of different ways.

  • The recommended way consumers can make multiple comparisons is a comparison rater form click to view form in new window. This method saves time by eliminating separate quote forms to each individual car insurance company. In just a few minutes this one form will get you rate comparisons from many national carriers.
  • A more time consuming way to shop for car insurance online requires you to visit the website for each individual company to complete a price quote. For examples sake, let's assume you want rates from , and . To find out each rate you need to take the time to go to each site and enter your policy data, which is why most consumers use the first method.

    For a list of links to companies insuring cars in Collierville, click here.
  • The least efficient way to get comparison rates is driving around to insurance agents' offices. The ability to buy insurance online has reduced the need for local agents unless you prefer the professional guidance only provided by licensed Collierville agents. You can, however, get the lowest quotes online but buy from a local insurance agent and we'll cover that in a bit.

Whichever way you use, ensure you're using the exact same coverage information for every company. If you use unequal deductibles or liability limits it will be next to impossible to decipher which rate is best in Collierville.

Policy discounts you shouldn't miss

Companies that sell car insurance don't necessarily list every available discount in an easy-to-find place, so we break down both the well known and the more hidden car insurance savings. If they aren't giving you every credit available, you're paying more than you need to.

  • Multi-policy Discount - When you combine your home and auto insurance with one company you will save approximately 10% to 15%.
  • Employee of Federal Government - Being employed by or retired from a federal job may qualify you for a discount with certain companies.
  • Senior Citizens - Mature drivers may be able to get a discount up to 10%.
  • Multiple Vehicles - Buying insurance for multiple vehicles on the same car insurance policy could earn a price break for each car.
  • Save with a New Car - Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.
  • Payment Method - If you pay your bill all at once instead of paying each month you could save 5% or more.
  • Discount for Life Insurance - Larger companies have lower rates if you buy auto and life insurance together.

It's important to understand that most of the big mark downs will not be given to the entire cost. Most only apply to the cost of specific coverages such as comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, it doesn't quite work that way.

To see a list of providers who offer car insurance discounts in Collierville, follow this link.

Learn more today

More tips and info about car insurance can be found at the Tennessee Department of Commerce and Insurance website. Visitors are able to read consumer alerts, read industry bulletins, read enforcement actions against agents and companies, and report car insurance fraud.