9 Ways You Can Buy Car Insurance for Less in Germantown Tennessee

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Trust us, there are a lot of people in Germantown just like you who feel imprisoned by their car insurance policy.

Having so many choices, it's nearly impossible to find the cheapest insurer.

It's important to shop coverage around every six months since rates are constantly changing. Just because you found the best deal two years ago you can probably find a better price now. So block out anything you think you know about car insurance because we're going to show you the proper way to find better rates and still maintain coverage.

Save big with these nine discounts

The price of auto insurance can be rather high, buy you may qualify for discounts that you may not know about. Certain discounts will be triggered automatically when you quote, but some must be specially asked for before you get the savings.

Auto/Life Discount - Companies who offer life insurance give a break if you buy auto and life insurance together.
Multiple Vehicles - Insuring multiple vehicles with the same company qualifies for this discount.
No Charge for an Accident - Some insurance companies will allow you to have one accident before hitting you with a surcharge as long as you don't have any claims for a particular time prior to the accident.
Braking Control Discount - Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
Lower Rates for Military - Having a family member in the military may qualify for rate reductions.
Driver's Ed - Cut your cost by having your teen driver complete a driver education course if it's offered in school.
Federal Government Employee - Employees or retirees of the government may qualify you for a discount with select insurance companies.
Organization Discounts - Being a member of a professional or civic organization could trigger savings on car insurance.
Early Switch Discount - Select companies give a discount for buying a policy prior to your current policy expiration. It's a savings of about 10%.

As a disclaimer on discounts, many deductions do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, car insurance companies aren't that generous. Any amount of discount will help reduce your overall premium however.

To choose companies who offer car insurance discounts in Tennessee, click this link.

Car insurance ads bend the truth

Car insurance companies such as GEICO, State Farm and Progressive continually stream ads on TV and radio. They all seem to make the same claim about savings after switching your coverage to them. But how can every company claim to save you money? This is how they do it.

All the different companies are able to cherry pick for the type of customer that makes them money. An example of a desirable insured might be between the ages of 40 and 55, has no driving citations, and chooses high deductibles. Any new insured who matches those parameters receives the best rates and most likely will save a lot of money.

Drivers who fall outside this ideal profile will have to pay a higher premium which leads to the customer not buying. Company advertisements say "drivers who switch" not "people who quote" save that much money. That's the way companies can truthfully state the savings.

Because of the profiling, you should get as many comparisons as possible. It's just too difficult to predict which car insurance company will give you the biggest savings.

Learn more about Tennessee car insurance

Additional information is available on the website for the Tennessee Department of Commerce and Insurance. Click here for link. Visitors are able to file complaints about an insurance agent or broker, find out which companies have the most complaints, learn about insurance regulations, and find out industry alerts.

Other informative sites include Auto Insurance 101 and this page where you can research Germantown insurance agents.

Shop smart and save

When buying insurance coverage, do not buy poor coverage just to save money. In many instances, someone sacrificed liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy enough coverage for the lowest price.

Cheap car insurance can be sourced both online as well as from independent agents in Germantown, so you should be comparing quotes from both to have the best selection. Some insurance companies don't offer online price quotes and most of the time these smaller companies sell through independent agents.