Compare Counce Auto Insurance Prices With These Tricks

Are you intimidated by the number of auto insurance companies in Counce? You're not the only one! There are so many options that it can turn into a challenge to compare prices.

It's important to take a look at other company's rates every six months because prices are constantly changing. Just because you found the best deal a year ago a different company probably has better rates today. Starting now, block out anything you think you know about auto insurance because you're going to get a crash course in the only way to reduce your cost while increasing coverage.

More discounts equal less premium

The price of auto insurance can be rather high, but you can get discounts that you may not know about. Most are applied at quote time, but lesser-known reductions have to be specifically requested in order for you to get them.

Auto/Life Discount - Companies who offer life insurance give lower rates if you buy life insurance from them.
Clubs and Organizations - Being a member of certain professional organizations could trigger savings on auto insurance.
Multiple Cars - Having all your vehicles on one policy can get a discount on all vehicles.
Senior Citizens - If you qualify as a senior citizen, you may receive better auto insurance rates.
Safety Course Discount - Taking a defensive driving course could possibly earn you a 5% discount if you qualify.
Federal Government Employee - Active or retired federal employment can earn a discount up to 10% with select insurance companies.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most only reduce specific coverage prices like collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, you won't be that lucky. Any amount of discount will cut your premiums.

Counce Rates are Influenced by These Factors

Smart consumers have a good feel for the rating factors that play a part in calculating the rates you pay for auto insurance. Understanding what impacts premium levels enables informed choices that may reward you with better auto insurance rates.

Shown below are some of the factors auto insurance companies consider when setting rates.

Where do you drive? - The higher the mileage driven in a year the more you will pay for auto insurance. Most insurance companies charge to insure your cars based upon how you use the vehicle. Autos that are left in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Verify your auto insurance declarations sheet is showing the correct usage for each vehicle, because it can save money.
Liability coverage is cheap - Your policy's liability coverage provides coverage if ever you are found liable for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should carry high limits.
Discounts for married couples - Being married helps lower the price on your auto insurance policy. It means you're more responsible and statistics show being married results in fewer claims.
Do you need the policy add-ons? - There are quite a few extra coverages that you can buy when buying auto insurance. Coverages like personal injury protection, towing coverage and term life insurance may be wasting your money. These may sound like a good investment initially, but if they're wasting money get rid of them and save.
Males pay more for insurance - Statistics demonstrate that men are more aggressive behind the wheel. Now that doesn't mean men are worse drivers. Men and women cause accidents at about the same rate, but the males tend to have more serious accidents. They also have more aggressive citations like DUI and reckless driving.
You might want pay the small claims yourself - If you frequently file small claims, you can pretty much guarantee either higher rates or even cancellation. Car insurance companies in Tennessee give better rates to insureds who are claim-free. Car insurance is intended for the large, substantial claims.

Switch companies and save? Really?

Auto insurance companies such as GEICO, State Farm and Progressive consistently run ads in print and on television. They all seem to make the same claim about savings if you change to their company. How do they all claim to save you money? It's all in the numbers.

Different companies are able to cherry pick for the driver that earns them a profit. An example of a desirable insured might be over the age of 40, has no driving citations, and has excellent credit. A customer getting a price quote who matches those parameters will get the preferred rates and therefore will cut their rates substantially.

Potential insureds who do not match the "perfect" profile will have to pay more money which leads to the customer not buying. The ads state "customers who switch" not "everyone that quotes" save that much. That's the way companies can truthfully make those claims.

Because of the profiling, drivers should compare as many rates as you can. It's impossible to know which auto insurance company will have the lowest rates.

Additional information is available on the Tennessee Department of Commerce and Insurance website found here. Visitors are able to file complaints about an insurance agent or broker, find out which companies have the most complaints, and get help finding coverage.

Do the work, save more money

While you're price shopping online, never skimp on coverage in order to save money. In many instances, someone sacrificed comprehensive coverage or liability limits to discover at claim time they didn't purchase enough coverage. The ultimate goal is to get the best coverage possible at the best price.

Cheaper auto insurance can be sourced both online and also from your neighborhood Counce agents, and you need to comparison shop both in order to have the best chance of saving money. Some companies may not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

Insureds leave their current company for a variety of reasons including delays in paying claims, questionable increases in premium, lack of trust in their agent and even denial of a claim. It doesn't matter why you want to switch finding a new auto insurance company is less work than it seems.