Best 7 Ways You Can Buy Car Insurance for Less in Greenback Tennessee

Have you had enough of paying out the nose each month for car insurance? You're in the same situation as millions of other consumers.

Because you have many online and local companies to choose from, it's difficult to locate the cheapest provider.

It's important to check car insurance prices before your policy renews since rates are constantly changing. Just because you found the best deal a year ago you will most likely find a better rate today. So just forget all the misinformation about car insurance because we're going to show you the proper way to save money, get proper coverage and the best rates.

Don't pay full price with these seven discounts

Car insurance can cost a lot, but there are discounts available that you may not know about. A few discounts will automatically apply when you purchase, but some must be specifically requested before being credited.

  • Air Bag Discount - Vehicles with factory air bags can receive discounts of 20% or more.
  • Accident Free - Claim-free drivers can earn big discounts compared to drivers who are more careless.
  • One Accident Forgiven - Some insurance companies permit an accident before your rates go up if you are claim-free for a set time period.
  • Anti-lock Brakes - Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
  • Multi-policy Discount - If you have multiple policies with the same insurance company you will save at least 10% off all policies.
  • Low Mileage - Fewer annual miles can qualify you for a substantially lower rate.
  • Payment Method - By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.

A little note about advertised discounts, some of the credits will not apply to the entire cost. A few only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will help reduce your premiums.

Tennessee car insurance

The car insurance bait and switch

Companies like State Farm and Allstate continually stream ads in print and on television. All the ads have a common claim about savings after switching to them. But how can every company claim to save you money?

Insurance companies can use profiling for the type of driver that earns them a profit. An example of a preferred risk might be between 30 and 50, is a homeowner, and has excellent credit. Any new insured that hits that "sweet spot" receives the best rates and therefore will save a lot of money.

Consumers who don't measure up to this ideal profile will be charged higher prices and this can result in the customer not buying. Company advertisements say "people who switch" not "everyone that quotes" save money. That's why companies can truthfully make those claims.

That is why you should get a wide range of price quotes. It's just too difficult to predict the company that will have the lowest rates.

Learn more today

Additional information is available on the website for the Tennessee Department of Commerce and Insurance through this link. Visitors are able to find out industry alerts, read industry bulletins, learn about insurance regulations, and view agent and company licensing information.

Also read more on NAIC.org's Understanding your Policy and this directory of Greenback insurance agents.

Do the work, save more money

We just covered a lot of techniques to reduce car insurance prices online. The most important thing to understand is the more you quote, the better chance you'll have of finding lower rates. Consumers may even find the best prices are with an unexpected company. Regional companies may cover specific market segments cheaper as compared to the big name companies such as .

Cheaper car insurance can be sourced both online and with local Greenback insurance agents, so compare prices from both in order to have the best price selection to choose from. Some companies do not offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.