Top Ways to Save on Crossville Car Insurance

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us, you're not the only one. Consumers have many to buy insurance from, and even though it's nice to have multiple companies, it can be more difficult to compare rates.

It's important to compare rates every six months due to the fact that insurance rates are constantly changing. Even if you got the lowest rates a few years ago a different company probably has better rates today. Starting right now, block out anything you think you know about car insurance because I'm going to teach you the tricks you need to know to properly buy coverages and cut your premium.

Finding affordable coverage in Crossville is not that difficult. If you have insurance now or are shopping for new coverage, you can learn to find better prices while maintaining coverages. Tennessee drivers only need an understanding of the most effective way to shop their coverage around online.

More discounts equal less premium

The price of auto insurance can be rather high, but there could be available discounts that many people don't even know exist. Larger premium reductions will be automatically applied at the time you complete a quote, but lesser-known reductions have to be manually applied prior to getting the savings. If you're not getting every credit possible, you are throwing money away.

Life Insurance Discount - Larger companies have a discount if you purchase life insurance.
Multi-car Discount - Having more than one vehicle on one policy can get a discount on all vehicles.
Anti-lock Brakes - Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
College Student - Youth drivers who attend school more than 100 miles from home and do not have a car may be able to be covered for less.
Homeowners Discount - Owning a house in Crossville can save you money because owning a home is proof that your finances are in order.
Discount for Good Grades - Performing well in school can earn a discount of 20% or more. This discount can apply until age 25.
Passive Restraints - Factory air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.

It's important to understand that some credits don't apply to all coverage premiums. The majority will only reduce specific coverage prices like collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, it doesn't quite work that way. Any qualifying discounts will bring down your premiums.

You have some control over your rates

Smart consumers have a good feel for the factors that go into determining the rates you pay for car insurance. Knowing what determines base rates enables informed choices that may reward you with much lower annual insurance costs.

Where do you drive? - The more miles you rack up on your car in a year the more you will pay for car insurance. Most insurance companies charge to insure your cars determined by how the vehicle is used. Cars used primarily for pleasure use qualify for better rates as compared to vehicles used primarily for driving to work. Double check that your car insurance policy shows how each vehicle is driven.
Do you know your deductibles? - Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply would be collision with another vehicle, damage from fire, and burglary. The deductibles are how much you are willing to pay if you file a covered claim. The higher the amount you are required to pay out-of-pocket, the less your car insurance will be.
Consolidate policies to earn discounts - Most insurance companies will give a discount to insureds who buy several policies from them in the form of a multi-policy discount. If you currently are using one company, it's still a good idea to compare other company rates to ensure the best deal. You may still be able to find a better deal by buying car insurance from a different company.
Older drivers pay less - Youthful drivers in Tennessee are statistically proven to be more careless when behind the wheel so they pay higher car insurance rates. Older insureds are viewed as being more responsible, statistically cause fewer accidents and tend to be better behind the wheel.
More people means more accidents - Choosing to live in small towns and rural areas can be a good thing when talking about car insurance. Urban drivers tend to have much more traffic and longer commute times. Fewer people translates into fewer accidents.
Claim-free discounts can add up - If you tend to file frequent claims, you can pretty much guarantee either policy cancellation or increased premiums. Car insurance companies in Tennessee generally give lower rates to policyholders who are claim-free. Your insurance policy is intended for the large, substantial claims.

Switch companies and save? Really?

Consumers in Tennessee get pounded daily by advertisements that promise big savings by GEICO, State Farm and Progressive. They all seem to have a common claim of big savings if you switch to their company.

How does each company claim to save you money? It's all in the numbers.

Insurance companies are able to cherry pick for the driver that earns them a profit. For example, a desirable insured might be a mature driver, has no driving citations, and drives less than 7,500 miles a year. Any driver that hits that "sweet spot" gets the lowest rates and therefore will save when switching.

Potential customers who do not match these standards will have to pay a more expensive rate and this can result in the customer not buying. Company advertisements say "customers who switch" not "everyone that quotes" save that much. That's the way insurance companies can confidently advertise the way they do.

Because of the profiling, drivers should get a wide range of price quotes. You cannot predict which car insurance company will provide you with the cheapest rates.

Learn more about Tennessee car insurance

Additional car insurance information can be found on the website for the Tennessee Department of Commerce and Insurance found here. Visitors are able to file complaints about an insurance agent or broker, report car insurance fraud, read consumer alerts, and read enforcement actions against agents and companies.

And the best car insurance company is...

When shopping online for car insurance, it's very important that you do not skimp on coverage in order to save money. In many instances, someone sacrificed uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy the best coverage you can find at the best price.

Low-cost car insurance can be found both online and also from your neighborhood Crossville agents, and you need to price shop both to have the best rate selection. Some car insurance companies may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.