Compare Doyle Auto Insurance Prices With These Tips

Are you intimidated by the dozens of auto insurance options in Doyle? You have a lot of company. You have so many choices that it can turn into a real challenge to find better rates.

How much can you save with discounts?

Companies that sell car insurance don't list every discount in a way that's easy to find, so we researched both the well known and also the lesser-known auto insurance savings.

  • Pay Upfront and Save - If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • Clubs and Organizations - Being a member of a civic or occupational organization could qualify you for a break when shopping for auto insurance.
  • Use Seat Belts - Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
  • No Accidents - Drivers with accident-free driving histories pay much less when compared to drivers who are more careless.
  • No Charge for an Accident - A handful of insurance companies allow you one accident before your rates go up if your claims history is clear for a certain period of time.
  • Save with a New Car - Buying coverage on a new vehicle is cheaper compared to insuring an older model.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. Some only apply to specific coverage prices like liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, auto insurance companies aren't that generous.

compare Doyle auto insurance rates

You have some control over your rates

Smart consumers have a good feel for some of the elements that come into play when calculating the rates you pay for auto insurance. Having a good understanding of what impacts premium levels enables informed choices that will entitle you to better auto insurance rates.

  • Save money with special equipment - Choosing a vehicle with a theft deterrent system can help bring down rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.
  • Liability coverage protects you - The liability section of your policy provides coverage when you are found liable for causing damage or personal injury in an accident. It provides legal defense up to the limits shown on your policy. Liability insurance is quite affordable compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Never go without insurance - Driving your car without having proper coverage is against the law and your next policy will cost more because you let your insurance lapse. Not only will rates go up, but not being able to provide proof of insurance can result in a steep fine or even jail time.
  • Rates may be higher depending on your occupation - Careers like judges, architects and dentists tend to have the highest average rates due to high stress levels and long work hours. Other occupations like actors, historians and the unemployed receive lower rates.
  • Marriage brings a discount - Having a wife or husband actually saves money when buying auto insurance. Having a significant other means you're more responsible and statistics show being married results in fewer claims.
  • Please use or commuting - The more you drive in a year the higher your rate. Most insurance companies charge to insure your cars based upon how you use the vehicle. Vehicles that are left in the garage receive lower rates compared to those used for work or business. Verify your auto insurance policy is rated on the correct driver usage, because improper ratings can cost you money.

Save 15 percent in 15 minutes? Is it for real?

Auto insurance providers like State Farm, Allstate and GEICO regularly use television and radio advertisements. They all say the same thing about savings if you move to their company. How can each company 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. For instance, a driver they prefer might be between 30 and 50, has no driving citations, and drives newer vehicles. A customer getting a price quote who fits that profile will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Potential insureds who don't meet the requirements will be quoted more money which usually ends up with the customer not buying. The ad wording is "customers who switch" but not "drivers who get quotes" save that much. That's the way companies can truthfully claim big savings. This emphasizes why drivers should get quotes from several different companies. It's impossible to know which auto insurance company will give you the biggest savings.

Even more information is located at the Tennessee Department of Commerce and Insurance website. Visitors are able to view a list of available companies, find out which companies have the most complaints, and find a variety of consumer forms.

Affordable insurance is out there

Consumers who switch companies do it for a variety of reasons including extreme rates for teen drivers, questionable increases in premium, being labeled a high risk driver and even high rates after DUI convictions. It doesn't matter what your reason, finding a new auto insurance company is less work than it seems.

Cheap auto insurance is definitely available both online and also from your neighborhood Doyle agents, so compare prices from both to have the best chance of lowering rates. A few companies may not provide you the ability to get quotes online and these small, regional companies work with independent agents.

When trying to cut insurance costs, it's a bad idea to skimp on coverage in order to save money. There have been many situations where someone sacrificed liability coverage limits only to discover later that it was a big mistake. The proper strategy is to get the best coverage possible at the best price while still protecting your assets.