10 Top Tricks to Cut Car Insurance Costs in Dyer

Nobody looks forward to paying for car insurance, especially when the cost is way too high. Insurance companies such as State Farm, Allstate, GEICO and Progressive persitently shower you with advertising and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to get comparison quotes periodically since rates are constantly changing. Just because you found the best price last year you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because you're about to find out the quickest way to eliminate unnecessary coverages and save money.

Tennessee car insurance

How to Get Dyer Car Insurance Comparison Quotes

There are several ways to shop for car insurance, and some are more efficient than others. You can spend countless hours talking to agents in Dyer, or you could use the web to get rates in a matter of minutes.

The majority of car insurance companies participate in a marketplace that allows shoppers to submit their information once, and at least one company can provide price quotes. This prevents consumers from doing quote forms for each company you want a rate for.

To submit your quote information now, click to open in new window.

One minor caviat to using this type of system is that you can't choose the providers you will receive quotes from. So if you prefer to choose specific providers for rate comparison, we have assembled a list of companies who write car insurance in Tennessee. Click here to view list.

Whichever method you choose, be sure to compare exactly the same quote information on every quote. If you compare mixed coverages then you won't be able to make a fair comparison in Dyer.

How much can you save with these ten discounts?

Auto insurance companies don't always advertise every available discount in a way that's easy to find, so we took the time to find some of the more common and also the lesser-known discounts you could be receiving. If you aren't receiving every discount you qualify for, you're paying more than you need to.

  • Discount for Swiching Early - Some companies give discounts for switching to them before your current expiration date. The savings is around 10%.
  • Good Student - A discount for being a good student can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Memberships - Belonging to a civic or occupational organization may earn a discount on your policy.
  • Military Discounts - Being deployed with a military unit could be rewarded with lower premiums.
  • Multi-policy Discount - When you combine your home and auto insurance with one company you may earn up to 20% off your total premium.
  • Federal Employees - Being employed by or retired from a federal job can save as much as 8% with certain companies.
  • New Car Discount - Insuring a new car can be considerably cheaper since new cars are generally safer.
  • Anti-lock Brakes - Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
  • E-sign - Certain companies will give a small break just for signing your application digitally online.
  • 55 and Retired - Mature drivers may receive a discount up to 10%.

It's important to note that some credits don't apply to the entire policy premium. Most cut specific coverage prices like medical payments or collision. So even though it sounds like all the discounts add up to a free policy, you're out of luck.

To see a list of providers with discount car insurance rates in Dyer, click here.

How much car insurance do I need?

When choosing the right insurance coverage for your vehicles, there really is not a "perfect" insurance plan. Every situation is different and your policy should reflect that. For example, these questions may help highlight if your insurance needs could use an agent's help.

  • Does my car insurance cover rental cars?
  • Why am I required to buy high-risk coverage?
  • Am I getting all the discounts available?
  • Am I covered when pulling a rental trailer?
  • Am I covered when driving in Canada or Mexico?
  • Do I have coverage for damage caused while driving under the influence?

If you can't answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don't have a local agent, complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Additional Tennessee consumer information

Additional detailed information can be found at the Tennessee Department of Commerce and Insurance website. Consumers can learn about specific coverages, file complaints about a company, find out which companies have the most complaints, and view a list of available companies.