Tightwads Instructions on Saving on Gordonsville Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Believe me when I say you are not the only one feeling buyer's remorse.

Lots of contend to insure your vehicles, so it can be very hard to choose a and uncover the absolute lowest rate

If you currently have a car insurance policy, you stand a good chance to be able to save some money using this information. Finding affordable coverage in Gordonsville is easy if you know what you're doing. But Tennessee consumers do need to know the methods companies use to price insurance differently and take advantage of how the system works.

How to Compare Auto Insurance Quotes in Gordonsville, Tennessee

There are several ways to compare auto insurance prices and some are less labor-intensive and much quicker. You could spend your day driving to agents in Gordonsville, or you could save time and use online quoting to get pricing more quickly.

All the larger companies enroll in a system that allows shoppers to send in one quote, and each participating company returns a competitive quote for coverage. This eliminates the need for repetitive form submissions to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The only drawback to comparing rates this way is that you can't choose which companies to get quotes from. If you prefer to choose from a list of companies for rate comparison, we have a page of auto insurance companies in Tennessee. Click to view list.

Which method you use is up to you, but ensure you are comparing the exact same information on every quote you get. If you use higher or lower deductibles it's impossible to determine which rate is truly the best in Gordonsville. Just a small difference in insurance coverages may cause a big price difference. Just remember that obtaining a wide range of quotes will increase your chances of finding the best price.

Gordonsville Rates are Influenced by These Factors

It's important that you understand 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 will entitle you to much lower annual insurance costs.

The following are some of the factors auto insurance companies consider when setting prices.

Do you have a high stress job? - Did you know your occupation can influence how much you pay for auto insurance? Careers like doctors, architects and accountants tend to have higher rates than average because of stressful work requirements and long work days. On the flip side, occupations like actors, athletes and performers receive lower rates.
Do you know your deductibles? - Your deductibles define the amount you are required to spend before a claim is paid by your company. Physical damage coverage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some instances where coverage would apply would be running into the backend of another car, damage caused by hail, or theft. The more money you are required to pay out-of-pocket, the less your auto insurance will be.
Proper usage rating affects rates - Driving more miles in a year the higher your rate. Most insurance companies charge to insure your cars based on how the vehicle is used. Vehicles used primarily for pleasure use can get a lower rate compared to those used for work or business. Double check that your auto insurance coverage is showing the proper vehicle usage, because it can save money.
Extra coverages can waste money - There are a ton of extra coverages that can waste your money when buying auto insurance. Coverages like vanishing deductibles, accident forgiveness 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.
Marriage brings a discount - Being married can get you a discount when buying auto insurance. Having a significant other means you're more mature than a single person and it's proven that being married results in fewer claims.
Older drivers save more - Older insureds are more cautious drivers, statistically cause fewer accidents and are safer drivers. Youthful drivers are known to be careless and easily distracted when behind the wheel therefore auto insurance rates are much higher.

Be sure to get all your discounts

Companies that sell car insurance don't always list every discount in an easy-to-find place, so here is a list both the well known as well as the least known auto insurance savings.

No Accidents - Drivers with accident-free driving histories can earn big discounts when compared to frequent claim filers.
Multiple Vehicles - Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
Discount for Life Insurance - Select insurance companies reward you with lower rates if you buy life insurance.
Low Mileage Discounts - Fewer annual miles can qualify you for lower rates on the low mileage vehicles.
Paperwork-free - A few companies may give you up to $50 for buying a policy and signing up on their website.
Distant Student - Children who live away from home and do not have access to a covered vehicle can receive lower rates.
Driver Safety - Successfully completing a defensive driving course could possibly earn you a 5% discount depending on where you live.
Save with a New Car - Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
Federal Government Employee - Simply working for the federal government could cut as much as 10% off with a few auto insurance companies.
Senior Citizens - Older drivers may be able to get better auto insurance rates.

Drivers should understand that most credits do not apply to all coverage premiums. Most only apply to individual premiums such as comp or med pay. So even though they make it sound like all the discounts add up to a free policy, companies wouldn't make money that way.

For a list of insurance companies who offer auto insurance discounts in Gordonsville, follow this link.

More detailed Tennessee auto insurance information is available at the Tennessee Department of Commerce and Insurance website. Visitors are able to read industry bulletins, report car insurance fraud, file complaints about an insurance agent or broker, and discover disciplinary actions.

Final considerations

Budget-conscious auto insurance can be purchased both online and also from your neighborhood Gordonsville agents, and you need to comparison shop both to have the best selection. There are still a few companies who may not provide online quoting and these smaller companies work with independent agents.

When you buy insurance online, you should never reduce needed coverages to save money. There are too many instances where someone sacrificed comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your strategy should be to buy a smart amount of coverage at a price you can afford while still protecting your assets.