Proven Ways to Save on Erin Auto Insurance

No one in their right mind cherishes buying auto insurance, especially knowing they are paying too much.

There is such a variety of to buy insurance from, and even though it's nice to have a choice, so many choices can make it hard to compare rates.

It's important to get comparison quotes periodically since insurance rates are constantly changing. Just because you had the lowest price on your last policy you may be paying too much now. There is a lot of bad information regarding auto insurance on the web, but we're going to give you some great ways to slash your auto insurance rates.

This article will familiarize you with the best way to quote coverages and some money-saving tips. If you have car insurance now, you stand a good chance to be able to cut costs considerably using these methods. Nevertheless, Tennessee vehicle owners do need to know how companies sell insurance online because it can help you find the best coverage.

How to Get Erin Auto Insurance Comparison Quotes

There are several ways of comparing rate quotes from different Erin insurance companies. The recommended way to compare insurance prices consists of obtaining rate quotes online. This can be accomplished using a couple different methods.

The first (and easiest) way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This method prevents you from having to do separate quote forms for every auto insurance company. Just one form will return quotes from many national carriers.

A less efficient way to get quotes online is to take the time to go to each company website to request a price quote. For instance, we'll pretend you want to compare , and . To get rate quotes you would need to go to every website and enter your information, which is why the first method is more popular. To view a list of companies in Erin, click here.

It doesn't matter which method you choose, just be sure to compare identical coverages and limits for each price quote. If you use different deductibles it's impossible to truly determine the lowest rate in Erin. Just a small difference in coverage limits could mean much higher rates. Keep in mind that having more price comparisons helps locate a lower rate.

Understand what determines the rate you pay

It's important that you understand some of the elements that go into determining auto insurance rates. Knowing what determines base rates helps enable you to make changes that can help you get lower auto insurance prices.

Listed below are a partial list of the pieces that factor into your rates.

More performance means more cost - The type of car you drive makes a significant difference in the rate you pay. The lowest rates are for economy passenger vehicles, but there are many factors that impact the final cost.
Traffic citations inflate rates - Even a single citation may increase your cost by as much as thirty percent. Drivers with clean records have lower premiums than bad drivers. Drivers who get serious violations like hit and run, DWI or reckless driving convictions may be required to file a SR-22 with the DMV in their state in order to continue driving.
Frequent auto insurance claims increase rates - Insurance companies in Tennessee provide lower rates to policyholders who do not rely on their insurance for small claims. If you tend to file frequent claims, you can pretty much guarantee either higher rates or even cancellation. Auto insurance is intended to be relied upon for larger claims.
Your occupation can affect rates - Did you know your auto insurance rates can be affected by your occupation? Occupations like judges, architects and financial analysts are shown to have higher average rates because of job stress and lengthy work days. Conversely, professions such as scientists, engineers and homemakers pay the least.

Save big with these discounts

Car insurance can cost a lot, but companies offer discounts that you may not even be aware of. Some trigger automatically when you get a quote, but a few must be inquired about before you will receive the discount.

Early Signing - Some insurance companies reward drivers for signing up before your current policy expires. This can save 10% or more.
Good Student - Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
Drivers Education - Require your teen driver to take driver's ed class in school.
No Claims - Good drivers with no accidents pay much less compared to frequent claim filers.
E-sign - Certain companies give back up to $50 simply for signing over the internet.
Accident Forgiveness - Certain companies will forgive one accident without raising rates if you are claim-free prior to the accident.
Discount for Life Insurance - Larger companies have a discount if you purchase a life insurance policy as well.

It's important to understand that most credits do not apply to the entire policy premium. Most only apply to individual premiums such as medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, it doesn't quite work that way. Any qualifying discounts will bring down your overall premium however.

For a list of providers offering auto insurance discounts in Tennessee, follow this link.

But I don't know anything about car insurance

When it comes to choosing the best auto insurance coverage for your vehicles, there isn't really a one size fits all plan. Everyone's situation is a little different and a cookie cutter policy won't apply. These are some specific questions may help highlight if your situation would benefit from an agent's advice.

Does my car insurance cover rental cars?
Do I need to file an SR-22 for a DUI in Tennessee?
Is my cargo covered for damage or theft?
Will I be non-renewed for getting a DUI or other conviction?
Does my liability insurance cover pulling a trailer or camper?
Does my policy cover me when driving someone else's vehicle?

If you don't know the answers to these questions, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

Additional auto insurance information is located on the website for the Tennessee Department of Commerce and Insurance located here. Tennessee drivers can learn about specific coverages, file complaints about a company, download brochures, and read industry bulletins.

Final considerations

In this article, we covered a lot of tips how to lower your auto insurance rates. The key thing to remember is the more you quote, the better your chances of lowering your rates. You may be surprised to find that the most savings is with some of the lesser-known companies. Smaller companies can often provide lower rates in certain areas than their larger competitors like .

Low-cost auto insurance is available on the web in addition to many Erin insurance agents, so you should compare both to have the best chance of lowering rates. There are still a few companies who do not provide online quoting and many times these small, regional companies only sell through independent insurance agents.