Easy Tips to Pay Less on Dickson Auto Insurance

Comparison shopping for Dickson auto insurance is nearly impossible for consumers new to shopping for insurance online. There are so many companies to choose from that it can quickly become more work than you anticipated to compare prices in Dickson.

It's important to compare rates before your policy renews because prices are constantly changing. Even if you think you had the best deal a few years ago you will most likely find a better rate today. Starting right now, forget all the misinformation about auto insurance because you're going to get a crash course in the only way to properly buy coverages and cut your premium.

Buying the lowest cost auto insurance in Dickson is simple if you know the tricks. In a nutshell, every vehicle owner who is required by state law to have auto insurance should be able to save money. But Tennessee drivers do need to know how the larger insurance companies market insurance on the web and take advantage of how the system works.

Policy discounts you shouldn't miss

The cost of insuring your cars can be expensive, but there could be available discounts to help bring down the price. Certain discounts will be triggered automatically when you get a quote, but lesser-known reductions have to be manually applied before you will receive the discount.

  • Save over 55 - If you qualify as a senior citizen, you may receive better auto insurance rates.
  • No Accidents - Claim-free drivers can earn big discounts as compared to drivers who are more careless.
  • Safety Course Discount - Completing a course in driver safety could save 5% or more if you qualify.
  • Auto/Life Discount - Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
  • Multiple Cars - Buying insurance for all your vehicles on one policy could earn a price break for each car.
  • Discount for New Cars - Adding a new car to your policy is cheaper since new cars are generally safer.
  • Service Members Pay Less - Having a family member in the military could be rewarded with lower premiums.
  • Air Bag Discount - Factory air bags may earn rate discounts of more than 20%.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.

Consumers should know that most discount credits are not given to the entire cost. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like you can get free auto insurance, companies don't profit that way. But all discounts will bring down the amount you have to pay.

Dickson auto insurance comparison

Save $429 a year? Really?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm consistently run television and radio advertisements. They all seem to make the same claim that you'll save big if you change to their company. How does each company make almost identical claims?

All companies can use profiling for the driver that earns them a profit. An example of a desirable insured could possibly be between the ages of 40 and 55, is a homeowner, and has a short commute. A customer getting a price quote who matches those parameters will qualify for the lowest rates and is almost guaranteed to save when switching.

Drivers who don't qualify for these standards will have to pay higher premiums which leads to the driver buying from a lower-cost company. The ad wording is "people who switch" but not "drivers who get quotes" save that much. That's why companies can make the claims of big savings.

Because of the profiling, you should get a wide range of price quotes. It's impossible to know the company that will fit your personal profile best.

Much more information about auto insurance in Tennessee is available on the Tennessee Department of Commerce and Insurance website through this link. Tennessee consumers can learn about insurance regulations, read industry bulletins, and discover disciplinary actions.

Also read more on this Car Insurance FAQ and this page of insurance agents in Dickson.

Affordable insurance is out there

As you shop your coverage around, make sure you don't buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible at an affordable rate.

Insureds leave their current company for many reasons like denial of a claim, high rates after DUI convictions, delays in responding to claim requests and even delays in paying claims. No matter why you want to switch, finding the right auto insurance provider is less work than it seems.

Discount auto insurance is attainable online and also from your neighborhood Dickson agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance providers may not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.