Tightwads Instructions on Saving on Dyersburg Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Trust us when we tell you there are many people just like you. Lots of contend for your business, so it can be very hard to choose a and uncover the absolute lowest rate

It's important to compare prices every six months because prices are constantly changing. Just because you found the lowest rates two years ago there is a good chance you can find better rates now. So just block out anything you think you know about auto insurance because you're going to get a crash course in the tricks you need to know to find lower rates on auto insurance.

If you have a current auto insurance policy or are shopping for new coverage, you will benefit by learning to find better prices while maintaining coverages. Finding affordable coverage in Dyersburg is easy if you know what you're doing. Tennessee vehicle owners just need to know how to compare rates over the internet.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of some of the elements that help determine the rates you pay for auto insurance. Understanding what controls the rates you pay enables informed choices that can help you get much lower annual insurance costs.

The following are a few of the "ingredients" auto insurance companies consider when setting your rates.

Cautious drivers pay less - Your driving record impacts your car insurance rates tremendously. Careful drivers have lower premiums compared to drivers with tickets. Just one ticket can boost insurance rates forty percent or more. Drivers who get flagrant violations like reckless driving, hit and run or driving under the influence may be required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.
Liability coverage is peace of mind - Liability coverage provides coverage in the event that you are found liable for causing damage or personal injury in an accident. It provides for a legal defense which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.
Marriage brings a discount - Having a spouse can get you a discount when buying auto insurance. Marriage means you're more mature than a single person and it's proven that being married results in fewer claims.
Add-on coverages can add up - There are a ton of extra coverages you can purchase when buying auto insurance. Coverages like vanishing deductibles, better glass coverage and term life insurance are examples of these. They may seem like a good idea when you first buy your policy, but if they're wasting money get rid of them and save.
Women pay lower rates - Statistics demonstrate that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. Both sexes have accidents in similar percentages, but men have costlier accidents. Men also get cited for more serious violations like DUI and reckless driving. Teenage male drivers are most likely to cause an accident and are penalized with high auto insurance rates.
Choose a safe vehicle and save - Vehicles with high crash test scores are cheaper to insure. Safer cars reduce injuries and any reduction in injury severity means lower claim amounts and lower rates for you.

How to Compare Auto Insurance Quotes in Dyersburg, Tennessee

Reducing your insurance rates doesn't have to be difficult. Consumers just need to take a few minutes comparing price quotes from different insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

The fastest way to compare a lot of rates at once is a comparison rater form click here to open form in new window. This method eliminates the need for multiple quote forms for each company you want a rate for. Filling out one form gets you price quotes from multiple low-cost companies.
A slightly less efficient method to shop for auto insurance online requires visiting each company website and request a quote. For sake of this example, we'll pretend you want to compare rates from , and . To get each rate you have to spend time on each company's site and enter your policy data, which is why the first method is more popular.

For a list of links to companies insuring cars in Dyersburg, click here.
The least efficient method to get comparison rates to insurance agents' offices. Buying insurance online eliminates the need for an insurance agent unless you require the personal advice that only a license agent can provide. You can, however, find lower rates online but buy from a local insurance agent. We'll cover that shortly.

Which method you use is up to you, but ensure you are comparing the exact same quote information with every price quote. If each company quotes mixed coverages it's not possible to find the best deal in Dyersburg.

Policy discounts you shouldn't miss

Companies offering auto insurance don't list every available discount in an easy-to-find place, so we break down both the well known as well as the least known auto insurance savings. If they aren't giving you every credit possible, you are paying more than you should be.

Discount for Good Grades - This discount can earn a discount of 20% or more. This discount can apply well after school through age 25.
Multiple Vehicles - Buying insurance for multiple vehicles with the same company may reduce the rate for each vehicle.
E-sign - A few companies may give you up to $50 for buying a policy and signing up on their website.
Low Mileage - Fewer annual miles can earn lower rates on the low mileage vehicles.
No Charge for an Accident - A few companies will forgive one accident before hitting you with a surcharge if you are claim-free for a set time period.
Senior Citizens - If you're over the age of 55, you may be able to get better auto insurance rates.
Driver Safety - Successfully completing a defensive driving course could possibly earn you a 5% discount if your company offers it.
Save with a New Car - Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
Use Seat Belts - Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.

Consumers should know that most credits do not apply to all coverage premiums. Some only apply to individual premiums such as medical payments or collision. Even though it may seem like adding up those discounts means a free policy, companies don't profit that way.

To choose providers who offer auto insurance discounts in Dyersburg, follow this link.

Save $429 a year? Really?

Consumers in Tennessee can't ignore all the ads that promise big savings by State Farm and Allstate. All the ads say the same thing that you'll save big after switching to their company.

How do they all claim to save you money?

Insurance companies are able to cherry pick for the driver that makes them money. For example, a preferred risk might be over the age of 40, has no driving citations, and chooses high deductibles. A customer getting a price quote who fits that profile will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.

Potential customers who don't qualify for the "perfect" profile will be charged a more expensive rate which usually ends up with the customer not buying. The ad wording is "customers that switch" but not "drivers who get quotes" save that much. That's the way companies can state the savings. That is why you need to get as many quotes as possible. It's impossible to know which auto insurance company will give you the biggest savings.

More detailed Tennessee auto insurance information can be found at the Tennessee Department of Commerce and Insurance website. Visitors are able to file complaints about a company, find out which companies have the most complaints, get help finding coverage, and discover disciplinary actions.

In the end, you save

We covered a lot of information how to compare auto insurance prices online. The most important thing to understand is the more you quote, the better your chances of lowering your rates. You may be surprised to find that the lowest premiums are with the least-expected company. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like .

Discount auto insurance can be sourced both online and also from your neighborhood Dyersburg agents, and you need to comparison shop both to have the best rate selection. Some insurance companies may not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.

When buying insurance coverage, you should never reduce coverage to reduce premium. There have been many cases where someone sacrificed uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your goal should be to get the best coverage possible at a price you can afford, not the least amount of coverage.