Top Ways to Save on Dowelltown Auto Insurance

I can't think of anyone who looks forward to buying auto insurance, particularly when their premiums are too high.

You have multiple to buy insurance from, and although it's a good thing to have a selection, having more makes it harder to compare rates.

It's important to do rate comparisons occasionally because prices are constantly changing. Even if you got the lowest price two years ago you can probably find a lower rate today. Block out anything you think you know about auto insurance because we're going to demonstrate the tricks you need to know to find the best coverage while lowering your premiums.

Dowelltown auto insurance comparison

Automobile Insurance Quotes in Dowelltown, TN

There are several ways of comparing rates from different Dowelltown insurance companies. The best method to find competitive insurance rates is to perform an online rate comparison. This can be done in just a few minutes using one of these methods.

  • The recommended way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This form prevents you from having to do multiple quote forms to each individual auto insurance company. A single form gets rate comparisons from multiple low-cost companies.
  • A slightly less efficient method to compare rate quotes is spending the time to visit each company's website to complete their respective quote request forms. For sake of this example, let's assume you want to compare , and . To find out each rate you need to spend time on each company's site and enter your policy data, and that's why the first method is more popular.

    To view a list of companies in Dowelltown, click here.

It doesn't matter which method you choose, just make absolute certain that you use identical information on every quote you get. If you enter higher or lower deductibles it will be very difficult to determine which rate is truly the best in Dowelltown. Having just a slight variation in coverages can mean a large discrepancy in price. And when quoting auto insurance, remember that more quotes helps locate the best price.

Take advantage of discounts

Companies that sell car insurance do not advertise all their discounts very clearly, so we researched both the well known and the harder-to-find ways to save on auto insurance.

  • College Student - Any of your kids who are attending college and do not have access to a covered vehicle may qualify for this discount.
  • Braking Control Discount - Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Auto/Life Discount - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Accident Forgiveness - Certain companies will allow you to have one accident before raising your premiums as long as you don't have any claims for a particular time prior to the accident.
  • Multiple Vehicles - Insuring multiple vehicles on the same auto insurance policy qualifies for this discount.
  • Save with a New Car - Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, you won't be that lucky.

To see a list of companies who offer auto insurance discounts in Tennessee, click this link.

How to know if you need help

When choosing the best auto insurance coverage for your vehicles, there isn't really a perfect coverage plan. Everyone's situation is unique so this has to be addressed. These are some specific questions might point out whether your personal situation will benefit from professional help.

  • What are Tennessee no-fault laws?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When does my teenage driver need to be added to my policy?
  • Why does it cost so much to insure a teen driver in Dowelltown?
  • Does my policy cover me when driving someone else's vehicle?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered if I wreck a rental car?

If it's difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

For more Tennessee car insurance information

Even more information is located at the Tennessee Department of Commerce and Insurance website. Visitors are able to read enforcement actions against agents and companies, find out industry alerts, view agent and company licensing information, and learn about insurance regulations.